Question: I am looking for dental insurance where I am not paying for my dental services in full to my dentist then having to wait to get my money back from the dental insurance company.   Right now that is how my curent dental insurance works. I am willing to drop that plan although it does pay out well so that I am not having to foot the complete bill just to get my dental services done.  What type of plan will let me do that?

Answer: A dental HMO insurance plan is the type of plan, you may want to review if you want to get dental insurance were you are not filing dental claim, and where you pay the amount shown for dental services within the plan.

Dental HMO are fee based plans, showing you your cost for all the different dental services covered under that plan. This type of plan lets you know what your cost for each service covered. You do not have to file claims because the dentist is charging you based on the fee schedule.

Really I see so many web sites stating “Affordable dental plans”  And when I get there that is what they are dental plan not insurance.  I do not want a dental discount plan.  However is that the only thing that is affordable?

The dental insurance web sites  I been to are anything else but afforable.  Well at least to me.  $40 or more a month for a signal person is not affordable.  Is there really any low cost dental insurance plans?  Living in Texas.

Part of keeping your dental cost low is just taking care of your over all oral health.  The better you maintain your teeth care the less likely you will need major dental services that can be very costly even with insurance.

The following tips will helps to maintain clean and healthy teeth for the best dental health.
– Brush teeth every day with a fluoride toothpaste for dental health maintenance.
– Floss your teeth every day for healthy gums and teeth.
– Limit sugary snacks.
– Get enough calcium.
– See your dentist on a regular basis (at least two times a year more if advised to do so by your dentist)

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So what I am looking for is dental insurance where I am not paying for my dental services in full to my dentist then having to wait to get my money back from the dental insurance company.   Right now that is how my dental insurance work that I get though work.

I am willing to drop that plan although it does pay out well so that I am not having to foot the complete bill just to get my dental services done.  What type of plan will yet me do that?