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Anonymous
Anonymous asked in Business & FinancePersonal Finance · 6 days ago

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.  

22 Answers

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  • 2 days ago

    I pay $10 per month, so I have no complaints. 🤷🏻‍♂️ 

    $37 a month is completely reasonable in my opinion.

  • Anonymous
    2 days ago

    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.  

  • ?
    Lv 7
    2 days ago

    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.

  • 2 days ago

    $37 ? or $20 

    serioulsy bro, Its not a big $$$ difference whichever one you go with, \

    DO what you feel is the right thing to do.

    I myself have a plan that I pay on my own, its $23 a month, through cigna, if covers once a year, Cleanign x rays and an exam for free, THEN  everything else is a discount. Like a Filling I get charged $144 instead of $240 that the dentist charges. 

    I really like this dentist I have gone to him for 13 years, Hell I will tell you his name, He is Dr. Robert Everett on Portland ave. In Gladstone, Oregon Unfortunalty in the next year or two he will probably retire, He has done so many of my fillings, Pulled one of my wisdom teeth,

    I myself Am about to get on a group plan at work. If its a crap dental plan or they are not in network with Robert everett, then I wont take it.

    BTW, If you do keep your own plan I would avoid saying "keep you crappy insurance" chances are unless this is some small company then your boss has no say what kind of insurance is offered.

    God bless and Happy Easter.

    Edit- Ok I cannot hold back, I cannot believe that several of these answers are telling you that neither of those policys are worth the paper they are written on,THAT IS A BUNCH OF BULL, One year like in 2011 I went to the dentist and had no insurance and I had the exam x rays PLUS FIVE cavities, I was out nearly 1100 to 1200 bucks right there!!!

    Of course these Policys have value, and spending $400 a year on dental work isnt abnormal at all. I will be 42 this summer,

    Wow some of these answers you have recieved are luducrous.

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  • 3 days ago

    All depends on what is covered exactly.

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

  • Amy
    Lv 7
    3 days ago

    This sounds too good to be true. $444/year is barely the cost of regular checkups; it can't possibly cover expensive procedures.

    If you really found a dental insurance with no maximum benefit, and your dentist is in-network, take it.

  • Eva
    Lv 7
    6 days ago

    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.

  • 6 days ago

    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. 

  • 6 days ago

    Depends on what the insurance covers. 

  • Anonymous
    6 days ago

    You're doing the right thing weighing all of your options and doing the math.

    Be careful because I've never heard of a dental insurance policy that covers 100% of everything, no deductible and has no annual cap.    I've never heard of a dental insurance company that does any of those things, to be honest. 

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