is $37/mo. a good deal for dental insurance?

I started a new job and the dentist I've been going to for the last 20 years doesn't accept the insurance my employer offers.  My employer told me I needed to switch dentists because there are other dentists in the area who do.  

I was thinking I could just get dental insurance on my own.  With my employer's insurance, they take around $20 per month out of my paycheck, then there's a $50 annual deductible and a 20% copay after the deductible with a $1,500 annual maximum benefit.  If I need something like a root canal and a crown, I will exceed the annual maximum and everything after that is out of pocket.

I was considering my own policy because it's better insurance, pays better and there's no annual maximum.  I think the cost is $37/Mo.  I want to tell my employer they can keep their crappy insurance, I have my own.

My dad always took care of everything for me before, if I took the wrong insurance, he would rush in there and fix it for me.  He's not around anymore and this is the first time I've had to make a decision without my parents telling me exactly what to do.  

Anonymous2021-04-05T01:02:49Z

That's a standard amount.

But keep in mind that dental policies only cover $1,000 per year MAX.

So it's not even necessary.  

12

?2021-04-04T23:19:27Z

You have a good dentist stay with him or her. Money can't buy the trust you have attained with a Dentist you have had for twenty years. You might even talk to him or her about it.

01

ndmagicman2021-04-04T16:57:47Z

All depends on what is covered exactly.
I pay $15 a month but there are limits on what is covered.

42

Eva2021-04-01T15:31:36Z

Make sure you understand what the policy covers and how long you have to wait for them to pay for major procedures.  Many require that you have the insurance for at least 6 months to a year before they would cover anything major. Nearly all policies have a deductible and co-pay.  $37 a month = $1092 a year.  You might better put that money in a savings account for any work you might need.

34

Christin K2021-04-01T15:15:22Z

Drop your employer dental insurance and go with whatever you can afford privately. I don't know of any companies who make it mandatory you have THEIR dental insurance. Once you drop that $20 charge every month your cost to get private insurance will be only $17 more a month--so yes, it's a decent deal. Especially if it has the coverage you want. 

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