what insurance is right for just one person?

I am currently applying for dental insurance (HMO) from ANTHEM BLUE CROSS and I don’t know if they are any good, a relative told me she used to have them but they did not really help with anything so she went with kaiser…and she likes it better but i am not looking for lifetime coverage because i am only 18. I just wanted to get a tooth extraction, get some fillings, clean and maybe brieftly whiten, after this is done i plan on cancelling. I also wanted to get health insurance to see a dermatologist because my skin is really bad and i want to correct that. so should i get health insurance from them and just cancel both of them together, also are they any good, i only what the insurance for these things only…because my school takes care of everything else…

I haven’t seen any private dental policy that pays out more than it takes in.

None will pay for whitening, all will have a ‘wait time’ where you have to pay in for a while before you can start putting in claims (yep, you’re not the first person who thought, buy for a month, put in all the claims, then cancel).

Most of the dermatology stuff, if it’s cosmetic, isn’t going to be covered.

Bottom line – you’re probably best off just paying out of pocket.