Affordable Dental Plans in California?

Well i went to the dentist yesterday and he needs to remove a previous crown and re clean a root canal and insert a new crown. The cost is around $2,200 which i cannot afford. Is there any dental plan i can buy that will take effect right away which is affordable somewhat and with good benefits? I plan on using the plan maybe a week after I purchase it so i dont know if that will be a problem with these dental plan providers.

Affordable Dental Plans in California?
I have a great dental plan! It is not Insurance but a great discount plan! Save anywhere from 50% to 80 on most utilized dental procedures such as exams, x-rays, teeth cleanings, fillings, root canal, and even crowns! Even save 25% when you have to go to a specialist. This plan does have their own providers but a very broad selection. Once you enroll for the plan within 24 hours you are issued a member id # so right away you can begin using the plan. Just to give you an example of the savings I went to the dentist and had an exam, x-rays, teeth cleaning and some polishing, my total bill came out to $197 but I only paid $59, so I save $138 bucks on that one visit! The plan is only $11.95 a month for an individual or $19.95 a month for household. You also get 3 additional benefits free with the plan vision, RX, %26amp; chiropractic!





Get more information at:





http://www.wehavebenefits.com





At this same website you will be able to find out what dental providers are in your area that accepts this plan, just click on the tab at the top of the page that says Find a Provider.





Let me know if you can't locate the website or have some questions!
Reply:You need to talk to your dentist about credit terms or put the bill on your Master Card or Visa. If the dentist won't take credit cards, just write yourself a cash advance.





Most of the time, the only way to get really good dental coverage is through your employer. When you buy dental insurance as an individual, there are deductibles and co-pays and annual maximums that you need to analyze in order to figure out when and if you will actually save money by having insurance coverage. Some of the premiums I have seen make it almost impossible to realize any positive cash flow from the related policy. I mean, at $60 a month with $100 deductible and $1,000 annual maximum, you will have to take $820 out of your own pocket before you realize one penny of "profit" or net gain from your dental insurance.





Then you have to calculate the effect of co-payements. Check the figures and do the math yourself.





Be cautious about buying or choosing a plan where you do not have any choice about the dentist you can see, because you just might not like the dentist(s) listed on the plan and then you are stuck for a year until you can get out of it.





Be cautious about buying a so-called "dental discount plan," often mentioned on Yahoo!, since they also have restrictive lists and they really are not dental insurance at all. Just be careful and understand what you are buying.





For many people who just can't get good dental insurance, a regular savings plan sort of like a Christmas Club with $20-25 a month deposited into a dedicated account will pay off when you examine the return over a lifetime. You may run way over your savings at first, but once you get your mouth straightened out, your annual expenses should not be more than a couple hundred dollars most of the time.





For major treatment, dental insurance is no great deal anyhow. They limit you to $1,000-1,500 per year, subject you to deductibles, co-pays, etc. Imagine if you were in a car accident and your carrier said, "Yep, it's a total loss. Here's a check for $1,500. Good luck coming up with enough money to buy a new car." Dental "insurance" should usually be considered a payment arrangement where you give your dollars to a large company who holds onto them until you say the secret word and manage to get a few of them back.