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This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

Content is the opinion of the author and does not represent the position of any other person or entity. Information is from sources believed to be reliable but cannot be guaranteed.

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Dental plan for family

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If you notice an error or are in doubt, please send a new question by email or ask for an update. Email

Q: Can you recommend a dental plan for a family of three? Our company does not offer any dental plan but will pay up to $500.00 per year per family. I would like to buy a plan for this amount. I heard about Delta Dental do they offer individual plans?

A: Delta Dental offers group insurance only through employers. Individually purchased dental insurance policies are not a good option for the many reasons discussed here in this column and in other financial media. The best option is a low cost dental discount plan combined with a negotiated payment plan with a dentist. The combination is far more cost-effective than any insurance policy. The nation's largest and most reputable provider is Careington. More information is available online at A no risk trial membership is available so that you can see how the pricing works with your dentist. Most dentists state that they offer their patients who ask a far more attractive payment plan than any dental insurance plan would be able to provide. Your employer could easily set up a dental expense reimbursement plan to allow these expenses to be paid tax free. See the Health Reimbursement Account plan at for details. So speak with your dentist, enroll in a discount pricing plan and forget about the middleman insurance.


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