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Is dental insurance worth it?

Posted on 6/29/15 at 8:01 pm
Posted by rpg37
Biloxi, MS
Member since Sep 2008
54986 posts
Posted on 6/29/15 at 8:01 pm
I am not suggesting not going to the dentist, but I am paying through Delta Dental $55/month. It pays 100% for two visits a year and then a major bulk for other operations (which I never need). What may be a better option for a single guy trying to save a few bucks?
Posted by DawgCountry
Great State of GA
Member since Sep 2012
33822 posts
Posted on 6/29/15 at 8:03 pm to
Seems steep. I think I pay $10-$15 a month for Delta but I'm glad I have it
Posted by jimbeam
University of LSU
Member since Oct 2011
75703 posts
Posted on 6/29/15 at 8:04 pm to
Heck no. Not at that price
Posted by HoustonChick86
Catalina Wine Mixer
Member since Dec 2009
59332 posts
Posted on 6/29/15 at 8:05 pm to
quote:

What may be a better option for a single guy trying to save a few bucks?

Teeth and a nice smile are very important for a single guy.

I'd shop around at that price though.
Posted by rpg37
Biloxi, MS
Member since Sep 2008
54986 posts
Posted on 6/29/15 at 8:10 pm to
Thanks. I just didn't know what normal price tags were. I could see this price tag making sense with bad teeth and constantly having surgeries, but not for routine cleanups.
Posted by BRgetthenet
Member since Oct 2011
118276 posts
Posted on 6/29/15 at 8:11 pm to
Any known major issues?
Posted by biglego
San Francisco
Member since Nov 2007
85592 posts
Posted on 6/29/15 at 8:14 pm to
do u have nasty snaggle teeth with cavities?
Posted by Captain Crown
Member since Jun 2011
57328 posts
Posted on 6/29/15 at 8:17 pm to
That seems kind of steep
Posted by Brosef Stalin
Member since Dec 2011
42636 posts
Posted on 6/29/15 at 8:21 pm to
Just let your teeth rot away and buy dentures. Its cheaper and less maintenance in the long run
Posted by The Mick
Member since Oct 2010
45206 posts
Posted on 6/29/15 at 8:23 pm to
I pay $10 twice per month for family of 7. Covers 2 regular visite per year each person and no deductible. So for me well worth it.
Posted by Marciano1
Marksville, LA
Member since Jun 2009
20182 posts
Posted on 6/29/15 at 8:53 pm to
I pay $14 a month and it's worth it. Two free cleanings per year for everyone covered (MetLife).
This post was edited on 6/29/15 at 8:54 pm
Posted by ruzil
WNC
Member since Feb 2012
18467 posts
Posted on 6/29/15 at 8:57 pm to
quote:

I am not suggesting not going to the dentist, but I am paying through Delta Dental $55/month. It pays 100% for two visits a year and then a major bulk for other operations (which I never need). What may be a better option for a single guy trying to save a few bucks?



Dental insurance is worth it if someone is paying it for you. If you are paying this yourself, brush/floss as recommended, have a reasonable diet (you don't gargle with Mt. Dew) and don't have a history of tooth decay, then you are paying too much.

You would be better off, taking those dollars and putting them in a savings account dedicated to pay for dental costs. Just don't change your current habits and oral hygiene or don't have a traumatic injury in the first few years of doing it this way

Good luck.
Posted by ksayetiger
Centenary Gents
Member since Jul 2007
70474 posts
Posted on 6/29/15 at 9:01 pm to
quote:

for family of 7.


Two more and you have a baseball team
Posted by Agforlife
Somewhere in the Brazos Valley
Member since Nov 2012
20102 posts
Posted on 6/29/15 at 9:01 pm to
I pay $2.43 a week for essentially the same coverage
Posted by Spankum
The Sip
Member since Jan 2007
63359 posts
Posted on 6/29/15 at 9:04 pm to
I have not found mine to be worth it, and I don't pay nearly that much.

however, if I were prone to cavities, it would probably pay off for me...

ETA: ruzil has checked in, so pretty much disregard anything that anyone else has posted...
This post was edited on 6/29/15 at 9:05 pm
Posted by motorbreath
New Orleans Saints fan
Member since Jun 2004
6381 posts
Posted on 6/29/15 at 9:06 pm to
I have delta dental through my employer and I pay about $15/mo.
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