Hi there. I currently have no dental insurance through my job aside from preventative care being covered. I didn't add it because ds and I have good teeth, and the plans available are pricey and not that good, it's cheaper to pay out of pocket really, since we have never had an issue (no cavities, no problems). Anyway, dh and I got married this past October and he, on the other hand, needs dental work badly. Our plan was to eventually get a plan through my union which is pretty good insurance, when we could afford the premiums. We planned on adding it in March or early April. There is no waiting period with the plan. Well, I just got a job offer for a much better job, and will start in the next few weeks, so that won't be an option. The new job has great dental benefits, but I have to be there for 90 days before they kick in, and then the plan has a six month waiting period for anything except preventative care, so dh would not be able to use this great plan until December. He has a tooth that just broke off (it was fake, or a crown or whatever it's called) and he is so self conscious about it; and he has another one that he says is getting loose and will probably fall out :( His teeth are awful he has always had problems.
So I was thinking of getting one of those dental discount plans, from my online search it seems that if I have one then the cost for a bridge would be about 400 per tooth or a partial denture would be 600. We could have that money saved soon, but I wonder if that is truly the cost. I don't know anything about dental stuff, so any info would be appreciated, thanks!!
"Have faith in yourself and in the direction you have chosen." Ralph Marston
I'd say your in the ball park cost wise from my experience. Have you talked to an oral surgeon and gotten a quote? Most offer a cash discount or an uninsured discount. My oral surgeon also offers interest free payment plans.
Does you new workplace offer a flex plan? If so, could your dh wait 90 days then use the tax free FSA funds to pay the bill. You would then just pay the election amount back over the number of pay periods left in the year. If you waited to add the spacers, would the insurance cover that portion of the bill? Extraction only is $100-200 in my experience.
Is there a dental college in your area that offers discount services?
|Frugality , Finances|