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Originally Posted by scfr
We tried an individual dental plan for one year and cancelled. Since insurnce is a business, I think the insurers know how much to charge to make sure they come out ahead.
If you don't have insurance and you pay cash, your dentist will have a lot less paperwork to deal with, so it is fair to ask him or her for a "cash discount." Out dentist discounts our bills 10% for cash payment.
You may also want to look in to a medical savings account, but I cannot comment on that since I know almost nothing about them.
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I will have to ask my dentist if we can pay cash up front for a discount - great idea! Thanks!