Can I obtain my own dental insurance?

I need dental work done, and I want to buy dental insurance as it is not offered through my company. Can I do that? How much will it cost? What do they look at in writ to decide the cost? Where do I look for dental insurance?


Answers:
Sure you can, but they don't pay out more than they cost. There are heavy deductibles, substantial copays, waiting periods (you usually have to hang around at least 3 - 6 months), and strict limitations on how much they'll pay out. I haven't see any dental plan that pays out more than it takes in.
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Sure. AND, dental insurance can pay out more than it take in. There are waiting periods intrinsically or everyone would wait until they needed a root canal to buy one.

They can run around $40 per month and cover up to $1500 per.

Having said that if you need coverage for work that can't wait 12-18 months afterwards you should get a discount dental plan. Discount dental is very different than discount robustness because nobody's ever gone bankrupt buying a discount dental plan. Dental insurance only covers ~$1500/year so buying a discount dental plan at $100 per year (give or take) can take home a lot of sense.

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