Question: My fiancee has been experiencing a lot of pain when chewing lately, and I suspect he has a cavity.  He does not have any dental insurance and I know fillings can be pricey without insurance. Would it be a good idea to buy dental insurance separately/independently? Do you know of any other affordable options when it comes to needing dental services? Thank you.  

Answer: I would suggest looking to either a low cost HMO dental insurance plan since normally HMO plans will not have any waiting periods.  If your fiancée is past the sign up date and can not wait another month for and HMO plan to start then the next option would be a dental discount plan as they too have no waiting periods but will normally start the next business day from buying the plan online.    

Another option would be to seek out going to either a dental clinic or a dental school. Both then to adjust their cost as to what you can afford to pay but they do not always take everyone and it can be on a walk in bases meaning they do not always make appointments. You would have to call and ask these types of questions to make sure.