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Message
Advice on Dental Plans/Dental Insurance
Posted on 4/11/17 at 1:13 pm
Posted on 4/11/17 at 1:13 pm
Any of you guys have suggestions on which ones You've had the best overall experiences with ?
12
Posted on 4/11/17 at 1:50 pm to doze4
Curious as well. Everything I've seen makes them not even seem worth it.
Posted on 4/11/17 at 1:53 pm to doze4
IMO, if it's through your employer it's probably a good value. But if your employer doesn't offer a good plan then I wouldn't go seek out a private plan.
Posted on 4/11/17 at 1:54 pm to doze4
Group or individual?
Posted on 4/11/17 at 1:56 pm to doze4
Our company has delta dental. It costs employees about $40/month for entire family. You get 2 cleanings and xrays per year each person and supposedly discounted dental work but we've never used that.
I have no idea about private/individual plans.
I have no idea about private/individual plans.
Posted on 4/11/17 at 1:57 pm to doze4
Mastercard
Posted on 4/11/17 at 1:57 pm to Huey Lewis
I decline my work option it sucks. It's like $30 a pay period and one cleaning a year is exactly $150 cash. Most dental insurance plans have a max $1000 payout, but some have some have more and some have something like a 10% coverage after $1000.
My point being unless you have absolutely horrible teeth or your dental coverage is very cheap, you are better off just paying cash.
My dentist started offering their own "insurance" its $350/ year for patients and includes 2 cleanings, all xrays, 2 fluorides, and a bunch of other stuff along with 10% off all work. Its a pretty solid deal. I would just worry if you need major work they'd job you somehow.
My point being unless you have absolutely horrible teeth or your dental coverage is very cheap, you are better off just paying cash.
My dentist started offering their own "insurance" its $350/ year for patients and includes 2 cleanings, all xrays, 2 fluorides, and a bunch of other stuff along with 10% off all work. Its a pretty solid deal. I would just worry if you need major work they'd job you somehow.
Posted on 4/11/17 at 2:00 pm to The Mick
Every plan I've looked at isn't worth it. $450 for two cleanings a year? No thanks. Even my old dentist office said many plans were bad off.
Posted on 4/11/17 at 2:04 pm to The Mick
quote:
delta dental
they helped a little with my root canal a few years back. was happy with them
Posted on 4/11/17 at 2:04 pm to doze4
quote:Lisa needs braces...
Dental Plan
Posted on 4/11/17 at 2:06 pm to StealthCalais11
If the dental insurance is an employer benefit with a very low premium, take it. Otherwise, be an OT baller and self-insure.
Go brush your teeth, do us and your wallet a favor.
Go brush your teeth, do us and your wallet a favor.
Posted on 4/11/17 at 2:08 pm to doze4
I've debated keeping my dental insurance through Cigna.
Basically, it covers two cleanings per year. The first appointment still runs about $100 to cover any annual x-rays and such. After that, you get ~$1500 in total annual coverage for any work needed.
You don't really have work done every year, so it really worth paying $300 bucks a year? For most people, it's probably cheaper to just pay out of pocket for cleanings and putting the occasional extra work on an interest free Carecredit card.
Basically, it covers two cleanings per year. The first appointment still runs about $100 to cover any annual x-rays and such. After that, you get ~$1500 in total annual coverage for any work needed.
You don't really have work done every year, so it really worth paying $300 bucks a year? For most people, it's probably cheaper to just pay out of pocket for cleanings and putting the occasional extra work on an interest free Carecredit card.
Posted on 4/11/17 at 2:09 pm to doze4
Get a job. It costs $5 a month after that
Posted on 4/11/17 at 2:11 pm to doze4
I've had a few plans over the years. Most suck and are only worth it because the premiums are low and they pay for most preventive maintenance. Most don't pay shite % wise for major orthodontics.
Posted on 4/11/17 at 2:31 pm to athenslife101
I have a wife and 5 kids
plus it pays $2k per kid towards braces.
plus it pays $2k per kid towards braces.
This post was edited on 4/11/17 at 2:38 pm
Posted on 4/11/17 at 2:33 pm to doze4
quote:
Dental Insurance
Is a myth
Posted on 4/11/17 at 2:33 pm to doze4
I have BCBS and I don't know exactly how much I pay for it, but they are paying for 50% of my braces and a huge chunk of my wisdom teeth extraction
ETA:
Diagnostic and preventive services such as exams, X-rays and cleanings 100% of UCR* with no deductible
Annual deductible $100 per person; $300 per family
Basic restorative and periodontic services such as fillings and removal of diseased gum tissue 80% of UCR* after deductible
Supplemental and prosthetic services such as oral surgery and bridges** 50% of UCR* after deductible
Annual maximum benefit for above services $1,500 per person per calendar year
Orthodontia** 50 percent of UCR* after deductible; lifetime maximum benefit of $1,750/person
ETA:
Diagnostic and preventive services such as exams, X-rays and cleanings 100% of UCR* with no deductible
Annual deductible $100 per person; $300 per family
Basic restorative and periodontic services such as fillings and removal of diseased gum tissue 80% of UCR* after deductible
Supplemental and prosthetic services such as oral surgery and bridges** 50% of UCR* after deductible
Annual maximum benefit for above services $1,500 per person per calendar year
Orthodontia** 50 percent of UCR* after deductible; lifetime maximum benefit of $1,750/person
This post was edited on 4/11/17 at 2:36 pm
Posted on 4/11/17 at 2:34 pm to doze4
I don't know what my company plan costs but my two visits a year cost me about $250 which has to be cheaper than any plan out there.
Posted on 4/11/17 at 3:13 pm to Trout Bandit
We pay about $250 a year and get one free cleaning a year each so it's a wash. But why not pay the $250 and get covered for 70% if I need any major surgery for no extra cost? 
Posted on 4/11/17 at 3:16 pm to StrongSafety
quote:
Get a job. It costs $5 a month after that
so mcdonalds gave you dental insurance for 5$ a month?
sounds sweeet brah
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