How do I get individual dental coverage in Wisconsin?
I’m the only employee and it’s very difficult to find a place that offers individual coverage not just discounts. Are there groups I can join to create group coverage?
Tagged with: group coverage
Filed under: Dental Coverage
I’m in WI and not sure what groups you can join but my DH and I are in the same position. We spoke with our dentist who happens to be a close friend. His advice was to skip it. Any individual policy worth purchasing is so expensive that you’re better off going self-pay. You may incur huge expenses one year but next to none in another. We just put extra money away so we’re prepared.
If you have children and your income is within the limit (which I believe is $2200/month or below), you may qualify for Badgercare. Badgercare is a state program that provides health care coverage for uninsured families, including dental care. Go to Badgercare’s website for more details (listed below) or call 1-800-362-3002.
If you’re not eligible for Badgercare, you could look into Humana Dental (they offer individuals and family plans).
I thought Blue Cross Blue Shield of WI offered some form of dental insurance but upon further research, it’s not for individuals….
If you can’t get insurance, you may benefit from a dental discount program. Afterall, a discount program will most likely be quite a bit cheaper than paying full price for services. I’ve listed a dental discount link below which I have found helpful in the past.
Anyway, hope any of this helps. Good luck!
I concur with the first poster. I had an individual policy–and it cost more than paying out of pocket. If you want to check into prices call Blue Cross/Blue Shield and Delta Dental.
Our DDS offers the credit care card. Basically a "health care" credit card, where they pay your dental bill and you can pay them off in X months interest free. But if you don’t pay it off in those months–interest is higher–but not as high as many dental offices charge (12%).
Why do you say it is dificult to get individual dental coverage?
Just go to eHealthInsurance, put in your zip code
and choose among the dental plan options.