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Ask Dave

Dental insurance for the kids?

Dental insurance? Dave has a better idea.

QUESTION: Brenda asks if she should keep buying dental insurance for her kids. Dave suggests a better option.

ANSWER: Dental insurance is one of those things where it’s easy to see that they’re charging you for more than you’re getting in return. We’ve had dental insurance proposed to us at my company several times as an employee benefit. When you add up what you pay for it in a year, you’ll rarely spend that much on dentistry.

There’s a dental discount company I highly recommend called That’s worth it. As a member, you get discounted rates on dental work. I’ve gotten to know the folks behind this organization, too, and they’re great people.