Dental Insurance Vs. Discount Plans

  • metta

    Posts: 39118

    Dec 10, 2014 9:30 PM GMT


    What do you think is better? Have you found a plan that is exceptionally good?




    http://lifehacker.com/5916927/instead-of-buying-dental-insurance-you-may-want-to-consider-a-discount-plan
  • metta

    Posts: 39118

    Dec 10, 2014 9:31 PM GMT
    I was just looking at the https://www.deltadentalins.com plans...those look like they could same me several hundred dollars every year....that is if I could find a dentist that is good.
  • Posted by a hidden member.
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    Dec 11, 2014 6:33 AM GMT
    Dunno. As far as I can tell, dental insurance is only a good idea if you have kids. For adults, the premiums are far more than the cost of six-month cleanings, exams, and x-rays. Even if you have some work done every couple of years, the maximum payout is usually only $1000, so it's basically impossible to ever "win." If you need major work at some point, $1000 is nothing. Basically, you're just paying for the breeders kids braces, in return for nothing.
  • metta

    Posts: 39118

    Dec 11, 2014 7:45 AM GMT
    metta8 saidI was just looking at the https://www.deltadentalins.com plans...those look like they could same me several hundred dollars every year....that is if I could find a dentist that is good.


    I don't know if I'm reading this right...but it seems too good to be true...the plans are around $80-92/year and come with free exams, x-rays, and everything is discounted. Gesh, I go to the dentist at least twice a year and each time it is $250-$600....sometimes more. I had to spend over $4k a few years ago to catch up but now I just go twice a year.


    https://www.deltadentalins.com/indEnroll/plans/compare?zip=91741&county=LOS+ANGELES&eff=01%2F01%2F2015&issuer=1&pc=2&coverage_type=Self&noOfCovered=1&pageId=ft_655553&appId=&planId=&CSRFToken=3b1dd62c-46e4-423c-8548-30ba9fdcf28c&issuerCode=DELTA&formUID=83281&planIds=70422&planIds=70424

    http://alturl.com/5idvc


    Costco has versions that are even a little cheaper:

    https://www.deltadentalins.com/indEnroll/plans/compare?zip=91702&county=LOS+ANGELES&eff=01%2F01%2F2015&issuer=3&pc=2&coverage_type=Self&noOfCovered=1&pageId=ft_762041&appId=&planId=&CSRFToken=76d28721-c5f8-4394-9549-99a0e0d0d92d&issuerCode=COSTCO&formUID=07183&planIds=2170440&planIds=2170438

    $32 for a filling. My dentist charges $150 to fill a filling that came out.

    http://alturl.com/86zz9