My individual insurance costs around 00 a year. I expect it to go up. I have friends that pay more on individual plans just for medical. If McCain’s plan were in effect many businesses would no longer be allowed to deduct the costs of the health-care they provide and so would drop them. Anyone that had just about any pre-existing condition would not be able to purchase any reasonable insurance plan. McCain could never find a carrier himself. There are probably at least 50 million "baby-boomers that would not be able to afford insurance because just about everyone over 55 has something that could be called a pre-existing condition.

So, do you think there is affordable insurance available for most Americans based on your experience?
I guess a lot of you do not know what FULL health insurance even is…It includes everything Dental 00 a year limit, medical with 20% max copay…but free annual exam. and vision - a ncomplete pair of glasses every other year and exam and a pair of lenses on the off year.

No way would anyone get dental for 0 a month. Get real.
Note: I have Union insurance - it is similar to what our lawmakers get. We negotiate the cost of our insurance and get better deals than a single person without a group rate. Like I said I know what i would have to pay to continue my insurance, COBRA, but I don’t know if I could BUY it (when or if) Ieft my job. It sounds like most of you do not have comprehensive insurance.
I have NO preconditions. I do not even bother to charge my insurance for my a month thyroid pills…I just stated what my full boat insurance costs. It is probably more now…my insurance comes out of my wages which collects more than we need a month so we have a 12 month buffer in case work gets slow.

I basically maxed out my dental insurance I have with my job because I had my wisdom teeth pulled. I still need different things done like filling cavities and a cap. I need to find another affordable insurance company to sign up for quickly so I do not cause too much harm to my teeth. Ive had painful tooth aches to the point that I have had to get root canals and have teeth pulled so I am really hoping to find something quick before it ever gets that bad. Please help!

I work part time and am a student paying my own way. My teeth need some work and I cant afford it. So i need affordable insurance. Any help is appreciated.

While I am employed, I work at home for a company in another state, and the dental insurance options through my company were not viable. So, of course, I relied on the internet to research my options, and I looked, specifically, for "dental insurance"

Lo and Behold, the stuff that came up, was for Dental Discount Plans. Upon first glance, it seemed like this could actually have been a better deal then anything offered through my firm. The conversation on the websites touted these plans, often with premiums of to per month, to be better than conventional dental insurance in every imaginable way. No issues in applying, no maximums, no deductibles, and no waiting.

So, I am sitting here, reading how in EVERY possible way this is better than insurance, and it strikes me. If something seems to good to be true, maybe it is. If these were so much better than conventional insurance, why did my firm have so much trouble finding affordable insurance; they should have simply joined one of these "discount" programs.

Well, the site even attached me to an "independent" article which BASHED the conventional insurance…Then it struck me…If I was a dentist, would I be happy joining these discount plans and basically getting 50% to 75% less for my services. Yeah Yeah, I am getting my payment up front and not waiting for the insurance to pay me (again, playing the role of the dentist), but is that worth the tremendously discounted amount (does not make sense when you compare the time value of money).

So, I realized that if I were a dentist, I would not want anything to do with these plans…Or would I? Does being a part of these discount programs really bring in enough clients to justify that deep a cut in the fee schedule.

Then I started to think…Is it possible that there is something up with these deeply discounted fee schedules I keep seeing on these sites? Are the fees just being jacked up and then discounted back down to the point where I might as well not be a member of the Discount Program, and just a regular walk in? Can I go to a dentist and ask them for the fee schedule, and then after the fact, compare it to the discount program to see that I am really getting a discount, and it is not some number playing farce.

I would want to know as a dentist whether these discount programs are worth anything. I need some kind of coverage, and for the few self insurance programs I see, the monthly premiums are incredibly high, and yes, when compared to the discount programs, it seems like NO ONE would EVER join these insurance programs since they are more limited and more expensive…Yet….They are still in the insurance business.

Will someone please give me the scoop…I need to have an affordable option here, but don’t want to be duped into joining one of these discount programs.

Thank You
First answer is not what I was looking for. I already know about all the "discount" programs - I won’t reiterate the dissertation I have already given, but I already KNOW about all the programs in my desperate search for something - I want to know if they are legitimate, or just some way to get me to spend monthly premiums for something that is probably not providing a benefit.

I am in need of health insurance and dental and i a in between jobs does anyone out there know a decent affordable insurance company that offers help to people like me thank you in advance