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| *Loan,banking and credit>>>dental insurance |
Is dental insurance worth it? |
I've heard from some people that it's actually cheaper to pay out of pocket. Has anyone ever calculated it out and seen if it's worth the money or would it be more cost effective just to pay out of pocket? It depends on your policy and your history, and your dental needs. You pay premiums and copays when you have insurance, and most insurances pay out a total of $1000- $1500 per yr, per person. Obviously, if you dont have alot of dental problems and only have to see your dentist 2x a year for check ups, that cost is about $250.00. If you pay more than that in premiums, its better to pay our ot pocket. But if you have alot of dental needs, insurance can be a benefit but remember there is a maximum they pay per year, and once that is met, any additional cost is an out of pocket charge to you as well. If you have very good teeth and only need checkups without cavities, then I wouldn't spend the money on insurance. But if you tend to have cavities, or problem teeth then insurance is well worth the added expense. I have very thin enameled teeth so I get cavities easier than most people. A root canal costs approx 700.00. I pay 12.00 a mo for dental insurance. You do the math. I usually end up with one root canal a year. When it costs $1,000 or more for a root canal it is worth it. X-rays are usually covered 100%. Cleaning (Unless a deep cleaning is needed) is mostly covered I would say yes. If you only had to have a few fillings, then paying cash might get you a discount over filing insurance. If you had to have major oral surgery, or even a abscess tooth or impacted wisdom tooth removed, you would want insurance. Not only for the procedures, but for sedation. Not all dental insurance is equal, i would check into any insurance thoroughly before i enrolled, but even having "not the best" dental insurance is probably better than having none at all. Cheers It depends on what you pay, and what you get from the policy. If you don't have insurance, you have more risk, in case something goes wrong. It's much cheaper to have insurance if you need a cavity filled, or if you have a root canal or something. If you are able to risk having to pay $3500 for a procedure, if something happens then you can go without, but if you can't, go with the insurance. THINKOF INSURANCE AS AS DENTAL COUPONS. HAVING A COUPON ALLOWS YOU TO PAY LESS THAN OUT OF POCKET. SO, IT MAKES GOOD SENSE TO HAVE DENTAL INSURANCE, BUT ONLY IF YOU WANT TO SAVE SOME MONEY. |
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