Dental Insurance is Backwards?

Health, Fitness, Insurance, ...
Post Reply
Gilberto de Piento
Posts: 1630
Joined: Tue Nov 12, 2013 10:23 pm

Dental Insurance is Backwards?

Post by Gilberto de Piento »

Dental insurance in my experience seems to pay for routine, predictable treatment like teeth cleaning and x rays. It apparently does not pay for replacement of a failing filling. Why is this? Cleaning and x rays are relatively cheap and done on a schedule. I don't need help from insurance for these. I do need help paying for treatment which is expensive and unpredictable, but the insurance is useless there. Why is this?

chicago81
Posts: 296
Joined: Sat Feb 04, 2012 3:24 pm
Location: Chicago, IL

Re: Dental Insurance is Backwards?

Post by chicago81 »

I think you are exactly right. The cost of two cash-price dental exams/cleanings at my dentist is cheaper than the amount my employer had been taking out of my paychecks for the "insurance". And there are deductibles and co-insurance for any additional procedures. For me, it doesn't make sense to buy this "insurance" anymore, and during the upcoming open-enrollment period, I will be declining it.

jacob
Site Admin
Posts: 13168
Joined: Fri Jun 28, 2013 8:38 pm
Location: USA, Zone 5b, Koppen Dfa, Elev. 620ft, Walkscore 73
Contact:

Re: Dental Insurance is Backwards?

Post by jacob »

Might be backwards for you, but for the insurance company(*), it's quite forwards :mrgreen:

(*) "Turning consumers into dependable cash flows since 19xx".

BRUTE
Posts: 3798
Joined: Sat Dec 26, 2015 5:20 pm

Re: Dental Insurance is Backwards?

Post by BRUTE »

many humans brute knows effectively have "new phone every year insurance"^^

User avatar
Stahlmann
Posts: 931
Joined: Fri Sep 02, 2016 6:05 pm

Re: Dental Insurance is Backwards?

Post by Stahlmann »

in hindsight, everything seems easy...

Campitor
Posts: 1152
Joined: Thu Aug 20, 2015 11:49 am

Re: Dental Insurance is Backwards?

Post by Campitor »

I pay for dental insurance but my wife also gets dental insurance for "free" as a government employee. My dentist will split any cost across both insurance so I pay little to zero for crowns, fillings, etc.

Post Reply