How to Save on Dental Insurance

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How to Save on Dental Insurance
If you're not already covered though your employer, dental insurance can be really expensive, costing an average of $400 annually for an individual plan and $1200 annually for a family plan. Luckily, there is another budget-friendly option available.

Joining a Dental Price Club will give you access to a large network of dentists at discounted prices, typically up to 60 percent off the market rate. There are no copays. Instead, you pay a membership fee of around $75 to $150 for an individual plan, while family plans will cost about $50 more.

Along with the low prices, there are other distinct advantages: Dental clubs can really save when it comes non-routine services, such as root canals, cavity fillings and tooth extractions. For example, the industry standard for a single tooth extraction runs around $167. Through a club, that same procedure will only cost about $81 dollars. That's a savings of over 50 percent. If you were to do this though dental insurance, you would potentially be paying a copay of up to 60 percent of the total bill, especially for major restorative work.

Joining a club can also get you discounts for cosmetic dental work, which dental insurances typically don't cover. You can typically save up to 25 percent off veneers and braces, while full dentures can be up to 50 percent off, depending on your coverage.

Another bonus with dental clubs is that there's no waiting period. Your coverage begins immediately upon sign up, whereas for dental insurance, you might have to wait anywhere between 3 and 18 months before getting any major work done.

To find a dental plan, check out You can find a great comparison chart of all the top plans including DentalSave, Careington and Brighter. Once you choose your plan, go directly to the provider's website to sign up to avoid paying extra processing fees.

In the end, joining a dental club can potentially save you big, especially if you're looking for more cosmetic and non-routine services. This way you can still take good care of your teeth, and have your budget shine as well.

10 Insurance Policies to Avoid
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How to Save on Dental Insurance -- Savings Experiment
When it comes to insurance, people often think that it's better to be safe than sorry, but often wind up spending more money than they should on coverage they don't need.

Click through our gallery to see 10 of the more common types of insurance that experts believe are a waste of money for most people.

Do you own one of these policies?
Why You Don't Need It:
While losing a child is about the toughest thing that a parent can experience from an emotional standpoint, by in large it does not lead to economic hardship. "No one is depending on the baby's income or the child's income for continued survival," Robert Hunter, director of insurance for the Consumer Federation of America, says. "Economically, it's not an appropriate thing to do."
Why You Don't Need It:
One company selling these types of policies advertises that it provides "essential coverage against enormous risk." Both Hunter and Greg Daugherty, executive editor of 'Consumer Reports,' don't agree with that sentiment, arguing that it's wasteful for consumers to protect themselves against dying in a particular way. "If you are killed, to your family it's a big loss however you are killed," Daugherty said. "You don't need to protect against any particular way of getting killed. You are much better off having a good insurance."
Why You Don't Need It:
Unless someone is in a particularly dangerous profession such as a stunt man, this type of insurance isn't needed. Moreover, most people don't die from accidents, making it unlikely that a person's heirs will ever see the money. Experts recommend having a comprehensive life insurance policy instead. "You wouldn't buy toothpaste a squeeze out of the tube at a time," Hunter said.
Why You Don't Need It:
Most people don't need coverage to protect against a trip cancellation unless they are seriously ill and are worried that a reoccurrence of their disease may hamper their trip plans, Hunter said. This coverage might be worth it for people who are planning a particularly expensive trip that would be difficult to reschedule otherwise.
Why You Don't Need It:
Most people are better off buying term insurance rather than whole life, which includes an investment component that people can borrow against. "We're solidly on the side of term insurance for most people," said Daugherty, adding that people need to make sure that a spouse who doesn't work outside the home also is covered because their death would "create a financial need on the part of the family."
Why You Don't Need It:
Insurance against inconveniences -- having rain on your vacation and losing a pair of contact lenses -- may be annoying but they are hardly the end of the world. Nonetheless, there are policies available for these situations, Hunter said. On a related note, consumers should avoid buying extended warranties on consumer electronics, according to Daugherty.
Why You Don't Need It:
Consumers are increasingly worried that someone will steal their confidential information online. Consumer Reports, though, recommends that people regularly check their credit reports, which are available for free, instead. "We haven't been impressed with what we have seen so far," Daugherty said.
Why You Don't Need It:
It makes no sense to have comprehensive and collision insurance on an old car that's not a classic. The insurance company will only give you the official Blue Book value of the vehicle if it's totaled in an accident, said Carolyn Gorman of the Insurance Institute of America.
Why You Don't Need It:
These are often a waste of money. Most electronics goods of decent quality will not fail while they are under warranty. "We think they are generally not worth the money," said Daugherty of Consumer Reports.
Why You Don't Need It:
These policies will pay your credit cards or mortgage payments in the event someone becomes will or loses their job. Instead, people should make sure that they have enough money saved for a rainy day.
Finding affordable health care is no easy feat -- and it's not getting easier. Seeking out a less expensive plan is obviously the fastest way to cut your insurance costs, but you may end up sacrificing key benefits.

Instead, here are five ways to help lower your health insurance bill without lowering your standard of care.
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Pay Less for Car Insurance

Have you gone shopping for the best car insurance coverage lately? If not, you may be throwing money away. Experts recommend that consumers review car insurance policies every year. Yet, only 20 to 35 percent of people actually do so.

Click through our gallery to see how to make sure you are getting the best deal.
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