Question: I am looking for a dental plan that has no restrictions on dental services and is hassle free from having to file and deal with claims forms. I had dental insurance in the past that was not only costly but it was pain having to file out claims and wait for my money to be returned to me. Are there any good alternatives that will help me with my dental care cost.

Reply: I suggest you may want to review either Dental HMO plans. Dental HMO plan there are no claims having to be made as they fee schedule based for services covered. You know your cost up front for the services covered and pay that amount to the dentist, if you have that dental care service provided. Though HMO’s plans do have some restrictions not all dental care services are a covered service.

Another option would be a dental discount plan. Dental discount plans are not insurance but the do provide discounted cost for all services rendered at a dental care provider office.