Don't get me wrong. I agree that insurance should only be used on 'serious problems'. That is exactly why I am asking.
You only pay $100 dollars/year on average. But that is just you. For instance, a good majoriy of people will get a cleaning and then the Dentist will find some decay or a cavity, which will require a second visit. That second visit is what can really put a dent in someone's pocket. I'll take the risk of buying a $100/yr dental plan for this case. If it the plan ends up sucking, then big deal $100 bucks down the drain. But that is one of the reasons why I am asking here-- to avoid throwing that hard earned money away.
What Dental plans have people had positive experiences with?
Sorry but I agree with Swelljoe. I added dental to our health plan earlier in the year. It was a joke. It was weird coverage and there was a cap that my wife hit after a root canal. After 3 months we were paying premiums and receiving zero coverage.
I've since dropped it and just pay out of pocket for routine cleaning. If something expensive is required, most offices will let you get on a payment plan.
Make sure you read all the details/fine print. A $100/year plan will likely have some serious limitations and a cap.
Comments
Don't get me wrong. I agree that insurance should only be used on 'serious problems'. That is exactly why I am asking.
You only pay $100 dollars/year on average. But that is just you. For instance, a good majoriy of people will get a cleaning and then the Dentist will find some decay or a cavity, which will require a second visit. That second visit is what can really put a dent in someone's pocket. I'll take the risk of buying a $100/yr dental plan for this case. If it the plan ends up sucking, then big deal $100 bucks down the drain. But that is one of the reasons why I am asking here-- to avoid throwing that hard earned money away.
What Dental plans have people had positive experiences with?
Sorry but I agree with Swelljoe. I added dental to our health plan earlier in the year. It was a joke. It was weird coverage and there was a cap that my wife hit after a root canal. After 3 months we were paying premiums and receiving zero coverage.
I've since dropped it and just pay out of pocket for routine cleaning. If something expensive is required, most offices will let you get on a payment plan.
Make sure you read all the details/fine print. A $100/year plan will likely have some serious limitations and a cap.