Which insurance companies offer the best medical and dental insurance plans for private individuals and who have the best rates?

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I have read that many individuals each day who lack affordable dental benefits. Even if they have the good fortune to have dental insurance provided by their employer, often these plans have serious limits on coverage, have waiting periods for pre-existing conditions, and frequently do not provide orthodontic treatment for children or adults. With the high cost of dentistry, a $1,500 per year limit on dental services will not take a family very far. Dental plans provide the consumer with an excellent choice for saving money on dental care. These affordable dental plans are reasonably priced alternatives to expensive dental insurance plans. The right plan at the right price without sacrificing coverage is the key. There are so many insurance and dental plans available.

Answer

I am a Benefits Specialist for the #1 Health Benefits Company Nationwide. If you are looking into Insurance coverage, and not finding what you are looking for, contact your state insurance company

Answer

Most individual health and dental plans are written as seperate policies. As far as which company can offer the best plan for you that really depends on your location and the plans, networks, etc available in your area.

Have you tried requesting quotes on-line? You fill out a quote request and the free quoting service will forward the information that you provide them to agents and companies that do business in your area. In most cases you can expect to start receiving quotes and phone calls from local agents/companies within 24 hours.

Many of the popular insurance consumer sites like http://www.InsuranceEasy.org offer multiple links to some of the more popular insurance quoting services including individual health and dental insurance.

Be careful when requesting dental quotes that you are requesting actual dental insurance and not just a discount plan. Discount plans are very low cost but as their name implies only gets you a discount if you use a dentist who is on the plan.

There are also helpful on-line articles like http://www.saving-hundreds-of-dollars-on-insurance.com/ that offer some common sense advice on how to save money on insurance.

First answer by Steveshorr. Last edit by Healthy mom. Contributor trust: 2 [recommend contributor]. Question popularity: 9 [recommend question]