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Dave Ramsey says: Mom questions continuing dental insurance for kids


Dear Dave,

Should I keep buying dental insurance for my kids, or is it just a gimmick?

— Brenda

Dear Brenda,

Dental insurance is one of those things where it’s easy to see that the payout is greater than the return.

We’ve had dental insurance proposed to us at my company several times as an employee benefit, but when you add up what you pay for it, you’ll find you rarely spend that much on dentistry.

In many cases, I advise self-insuring for dental care.

Now, there is a dental discount company I highly recommend called This kind of thing is worth it.

As a member, you get discounted rates on dental work when you visit an in-network provider. I’ve gotten to know the folks behind this organization, too, and they’re great people.

Hope this helps, Brenda!

— Dave

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