Dlp - sorry to hear that your company does not offer a dental benefits plan. The good news is that you have a number of affordable dental options.

First if you company has 10 or more full-time employees suggest to your hr contact to put in a dental plan. A business does not have to "pay" for their employees they may offer the coverage on a voluntary basis. Meaning that employeees pay for the service themselves but beacuse you are insuring a group of people the insurance plan will cost less and have better benefits at lower costs. You may refer to the voluntary infomation on website: nebrokers com

second I would recommend looking for an association dental plan you may be eligible for. Association plan have low rates and fewer limitations then individual dental plans. You should be able to find a plan for yourself and your husband for under $40 a month.

A dental discount plan is another good low cost option. To see how a card works see website- nebrokers com

finally talk to a dentist in person explain them your situation and let them know you are going to be paying cash for the procedure out of your own pocket. Sell the dentist on the benefit that they will not have to go thru an insurance payment and kindly request that they pass on the "network" savings to you for paying out of pocket. Most dentist are understanding and this proves to be a win win.

Hope this helps

Ok, I know that some people are nervous about doing this, but any university that has med school offers a significantly discounted rate for dental work performed by dental students under the supervision of an actual doctor. You may have to pay like 15 bucks for a filling, 25 for an extraction...Etc.... You may want to look into that.