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Old 02-19-2016, 11:57 AM   #41
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In most reading I've done on this topic I've found that the big thing you have to be aware of is that most dental plans -- both group or individual -- have a line somewhere in the policy entitled "maximum annual benefit" or something to that effect. This is the overriding cap on the total annual payout, regardless of what percentage is paid for what procedure. In most plans it is a surprisingly low amount -- somewhere between $1,000 and $2,000 per year. It is $1,250 in the group plan I used to be a part of. As another poster alluded to, dental insurance might be a good deal, especially if paid with pretax premiums, if all you need is a couple of routine cleanings per year -- basically a prepaid plan as routine checkups are supposedly "free". For the rest of us, it's a more dubious proposition. My experience has been if you have a big dental bills in a given year, you're still paying most of it out of pocket regardless of your insurance.

My wife and I last year decided to discontinue my group dental. It was just a budgeting issue, as the premiums on our regular health insurance increased. It was an interesting experience. Although it stings some to pay for routine checkups out of pocket, it seems that all the urgent recommendations for "deep scaling" and other assorted "treatment plans" are no longer forthcoming. This reinforces a suspicion I've always had that many dental practices have a person in the office whose job it is to determine how to get the maximum amount out of each patient's insurance benefits -- which means a lot of out of pocket expense as well.
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Old 02-19-2016, 02:42 PM   #42
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dealing with ins. cos. is one of the biggest headaches and takes up more time for the front desk workers in a dental practice. It is one of the reasons I RE. It is also the reason more dental offices are deciding not to be participating providers for ins. cos. The dentist will fill out the ins. forms for you but will expect payment from the patient directly and any reimbursement from the ins will go to the patient.
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Old 02-19-2016, 03:47 PM   #43
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dealing with ins. cos. is one of the biggest headaches and takes up more time for the front desk workers in a dental practice. It is one of the reasons I RE. It is also the reason more dental offices are deciding not to be participating providers for ins. cos. The dentist will fill out the ins. forms for you but will expect payment from the patient directly and any reimbursement from the ins will go to the patient.
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Old 03-17-2016, 06:35 PM   #44
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Well, called to cancel the dental insurance and was told I had to do it through the marketplace since that is where I signed up...


I was able to just cancel dental.... if you go on the site and try and cancel it will cancel ALL your insurance, including healthcare...
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Old 03-17-2016, 08:34 PM   #45
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I have Met life dental federal insurance and it has been great . They process claims fast and then send the claims to federal blue cross +blue shield so most of my procedures are almost fully covered . I went to a new Dentist recently and the insurance person said "That is great insurance ".
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Old 03-17-2016, 09:29 PM   #46
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The state of Illinois now requires all children are covered by dental insurance. That's the only reason we have the crappy plan 5hat we have. $60/mo for basically little benefit.

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Old 03-17-2016, 09:55 PM   #47
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I have Met life dental federal insurance and it has been great . They process claims fast and then send the claims to federal blue cross +blue shield so most of my procedures are almost fully covered . I went to a new Dentist recently and the insurance person said "That is great insurance ".
That must be through an employer?
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