im looking for a dental insurance not discount plan, that…?

has no limit on yearly cap on services, low monthly premium, and very minimum to pay on the dentist visits? Any such dental insurance out there?

Sorry, but what you are looking for doesn’t exist.

You have five options with dental.

1. Go without insurance. If you have good teeth and just want the basics you probably don’t need any plan. A yearly cleaning and exam and even an occasional filling will cost you less without insurance. However, it doesn’t sound by your question that this is an option.

2. Visit a local dental school. You can get many procedures done for a reduced price if you’re willing to let them practice on you. Ask around about the school you might be considering, many people report good results and many people will not ever go back to them again. Expect a 10% to 30% discount off of the average cost.

3. Insurance – Depending upon the policy: cost $30-$60 per month. You pay a $50 deductible first, they have an annual maximum that they’ll pay per year of $750 – $1500, they have a waiting period up to 18 months for major work and then you’re paying 50% of the charges. Example – average cost for a root canal in my area is $829. With insurance you pay $414 after paying 18 months of premium (around $800 or $900). Advantage – you can use any dentist with most plans.

4. Discount plans – Cost – $5-$12 per month. No deductible, no annual maximum and no waiting periods. Also, hardly any dentists will accept the plan and when they do you MIGHT get a 10% discount, which is about the same discount you can get by paying cash. Example – average cost for a root canal in my area is $829. With discount plans you pay around $746. Be very wary of these plans because most are scams. The people that sell these plans have little or no knowledge about health & dental insurance and do not need a license to sell them. The plans are not regulated by the state so you have no recourse when you have problems. Some states are starting to ban these plans from being sold. Here is an informative link http://www.insurancejournal.com/news/west/2006/11/22/74554.htm concerning these plans.

5. Fee for Service discount plans – Cost $7-$15 per month. No deductible, no annual maximum and no waiting periods. Many dentist will accept the plan (check providers first before signing up with any plan). When you use the plan there is a set fee that the dentist will charge you. Example – average cost for a root canal in my area is $829. With fee for service plans you pay as little as $404.

I’m an insurance agent and my personal plan is the fee for service plan. I got mine here http://www.dpbrokers.com/default.aspx?locationid=20349 specifically the Aetna Dental Access plan but which one you get depends upon your area and comparing the fee schedule to find the best for what you need covered.

GUM Soft-Picks-40ct $1.65 The softest pick you will ever use and it’s so much easier than flossing!Unique design features 76 soft rubber bristles.Flexible bristles slide between teeth to remove plaque and food particles.Massages and stimulates gums.Promotes blood circulation for healthy, firm gum tissue.Extremely soft and comfortable between teeth and along gums.Tapered to fit between small spaces.Convenient travel case in…

Comfortably Numb Deep Throat Spray – Spearmint $3.00 Comfortably numb is a flavored desensitizing spray specially formulated to reduce the discomfort associated with oral sex. the refreshing mist contains a mild numbing agent that coats the back of the throat, helping to suppress gag reflex and prevent discomfort during oral sex. discreet enough to take with you wherever you go, this special spritz doubles as a breath freshener as well….

Zila Prodentec Rotadent Classic, White $120.00 Zila Prodentec Rotadent Classic has microfilament brush tips designed to reach underneath the gum line and in-between the teeth. It makes 90,000 filament sweeps per second and features microAccess technology….