Consider discount dental plans instead of dental insurance

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When your dental insurance doesn't manage to pay for itself, consider an inexpensive membership to a dental discount plan. These plans, from companies like AmeriPlan, Careington International, or give members up to a 60 percent discount on dental services from participating providers. You'll pay a monthly or annual membership fee, but probably much less than an insurance plan. You then pay for care out of pocket, but at the discounted rates.

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