12-10-2011, 06:33 PM
Most dental offices will explain that dental insurance sucks. You barely get any benefits. When you work out the premiums for the year it takes to be eligible for the premium services, you could have banked the money and paid out of pocket.
The insurance pays off if you have a lot of problems, and if none of them happen in the first year. [
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I don't mean to discourage you, but it's the reality. Dental costs hit me hard last year and the year before.
AARP offers Delta too, probably similar plan, and I tried it, but I ended up canceling because the math didn't add up.
No insurance wants to sell you a plan where you save money and they lose money. Individual plans don't work. Dental insurance works if the insured group is large enough, as in employer-paid group benefits. Even those tend to make you pay 50%.
The insurance pays off if you have a lot of problems, and if none of them happen in the first year. [
]I don't mean to discourage you, but it's the reality. Dental costs hit me hard last year and the year before.
AARP offers Delta too, probably similar plan, and I tried it, but I ended up canceling because the math didn't add up.
No insurance wants to sell you a plan where you save money and they lose money. Individual plans don't work. Dental insurance works if the insured group is large enough, as in employer-paid group benefits. Even those tend to make you pay 50%.