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Discussion Starter · #1 ·
We are trying to decide if dental insurance is worth it.<br><br>
It is nearly $80 a month. I think it covers cleanings at 80% (might be 100%) and other work at 50%. It has a cap of $1000 a year and I need to go with a dentist who takes this insurance (in the past very difficult to find one who does so not much selection)<br><br>
In your opinion is this worth it? I'm thinking that if we had more children it might be more worth it but that with just dd it isn't. Is there something I'm overlooking?
 

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At nearly $80 a month for 12 months you are paying $960 just in premiums. 3 family members at 2 normal checkups a year would run maybe $200 to $400 depending on where you live and prices in the area (very rough estimate). If you haven’t needed a lot of dental work in the past I’d probably err on the side of not getting it and just setting the amount you would pay for premiums into a ‘dental work fund’ every month, that way if you don’t need that much work you haven’t lost it, and if you do down the road you have it saved up.<br><br>
Only if BOTH of you have a history of needing dental work quite often would I think maybe it was an option.
 

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My dental insurance will be very much worth it this year. I am having 8 mercury/silver fillings replaced with the non-toxic white kind. I will also probably need my wisdom teeth extracted as well. For a long time we didn't have dental coverage in order to save money. Now that we both are having work done beyond just cleanings, we have insurance and its worth it.<br><br>
Kim
 

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Discussion Starter · #4 ·
I think I have decided to keep insurance for me and DH ($40 a month) and skip it for dd for another year. I'm not sure she can emotionally handle a trip to the dentist yet and every dentist I talked to today said between 3 and 4 for the first visit if no problems. Her teeth look perfect to me so I'll wait.<br><br>
Every dentist I talked to today quoted $200-300 for a first visit so I think insurance will help.
 

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I had Delta dental, and it was not worth it. Sure they paid for 100% of my cleaning, but I had to fight tooth and nail for them to cover my fillings. Luckily I didn't need anything else done, I can only imagine what that would have cost.<br><br>
Also, if you live near a university that has a dental program, they will more than likely have a clinic that does x-ray's and cleanings at a fraction of the normal cost.
 

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80! Wow. You'd really need to add up the normal charges you'd have in a year (you can find a dentist and really talk to them about their charges), vs what you would pay to insurance, AND of course the deductible, copays, and "usual charges". Because insurance companies don't just pay the percentage of whatever the dentist charges, rather, they have "customary" charges, and they pay a percentage of THAT. So you could still wind up with more than your deductible and percentage you expect to pay, and could very well end up paying above and beyond THAT.<br><br>
It's hard to get all that info ahead of time; they like to pretend "customary" charges are proprietary and top secret, but at least knowing that there are customary charges and you'll have to pay whatever the dentist charges OVER that, is good...<br><br>
And of course it's only REALLY worth it if you use any of it, and looking into what we pay per month is going to make me make an appointment for a cleaning before the year is up. <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/irked.gif" style="border:0px solid;" title="irked">:
 
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