Question: I am looking for a low cost dental insurance plan. I want to have the normal cleaning twice a year with X-rays. Since I feel I really only ever need preventive dental care, I do not want to have to spend $30-$50 a month for dental insurance for to get two free cleaning a year. Is there any dental insurance where it has a low monthly rate for people that are really only going to be using it twice a year?

Answer: What you may want to look into would be a dental HMO insurance plan. Generally HMO dental insurance plans offer a low monthly cost. HMO dental insurance plans are good over all dental plans and many do offer free office visits, X-rays, and dental cleaning’s. Make sure you read the policy terms to confirm plans coverage’s.