My sister needs better oral and dental health care. Her teeth look yellow to me, and when I ask if she has seen a dentist, she says she can not afford to see one. Are there cheap dental insurance plans out there? 

Reply: You should review dental HMO insurance plans, as they are cheaper options. Most HMO plans will provide free to low-cost preventive dental care. Under HMO plans, the dental services covered are listed on a fee schedule, so she knows the cost of needed dental care ahead of time. The fee schedule will make budgeting for dental care more manageable.