Originally Posted by
sweet
Dental insurance is almost useless these days. Sure, they'll cover 100% of 2 cleanings per year but the limits they have on other procedures are almost a joke. For example, they have a limit of $1500/year and over that, it's all on the individual. So maybe one crown a year might be mostly covered and that's that. Hope you can find something out there that works for you.
I AGREE. READ THE POLICIES BEFORE YOU SIGN UP.
My last experience with dental insurance stated in the new policy that it would NOT cover the first crown until after the policy had been in place 2. Years. My husband changed jobs before that went into effect, i needed FOUR crowns to repair and replace a couple of old ones. (Front teeth). I paid out of pocket $3,600 to get this done..worth every penny.
Start a savings plan to take care of dental expenses, work out a payment schedule with your dentist . I found it cheaper to pay as I go vs. monthly premiums esp since the policies are not covering the big ticket items until you pay into the policy for a predetermined wait period.
i found healthcare was cheaper to personally cover my mammograms, PAPS and general lab work and office visits myself vs paying inflated"premiums". We had "catastrophic" individul out of pocket healthcare plans that covered the "what if" we needed ER and/or surgeries. We are, fortunately healthy middle age people...no meds needed. The dirty little secret is that I learned two decades ago that if you paid out of pocket the routine healthcare, you kept the premiums low. And let insurance cover the big $$ occurances if needed. (Indvidual plans...not employer subsidized plans) . But...we all know that may be "history".
Sandy