Give the insurer $1000 a year and they would pay up to $1000 a year.
If you were running an insurance company, would you charge less for annual premiums than you expected to pay out on an average claim?I have chosen to pay $20.50 per month for Delta Dental through COBRA. That's only $246 per year. I just had 2 small cavities filled. The bill was $202 for each filling, equals $404. I had to pay $114 after the insurance (deductible had already been met) or $57 per filling, with insurance.
The question is "what would he charge me for the two fillings were I to pay cash?" Guess I'll just have to ask.
I also had a crown put in earlier this year, for total cost of around $800, for which I had to pay $500, with insurance. I can't imagine he would charge less than $500 cash for a crown.
I have chosen to pay $20.50 per month for Delta Dental through COBRA.
I have chosen to pay $20.50 per month for Delta Dental through COBRA. That's only $246 per year. I just had 2 small cavities filled. The bill was $202 for each filling, equals $404. I had to pay $114 after the insurance (deductible had already been met) or $57 per filling, with insurance.
The question is "what would he charge me for the two fillings were I to pay cash?" Guess I'll just have to ask.
I also had a crown put in earlier this year, for total cost of around $800, for which I had to pay $500, with insurance. I can't imagine he would charge less than $500 cash for a crown.
But is is subsidized by your former employer? I pay $6 monthly, but it is not the full cost.We have always used DW's dental insurance from her w*rkplace, and it has always paid the lion's share of our dental bills. When she retired, she was able to keep it, so we are happy to pay $30/month for the two of us.
In all my years of practicing dentistry I have not found an individual policy worth purchasing. If you live near a dental school you can get dental work done at discounted prices. The trade off is it will take more time to get the work done.
But is is subsidized by your former employer? I pay $6 monthly, but it is not the full cost.
Similar to others' experiences, I was unable to find a dental insurance plan that was worth the cost. However, I was also frustrated that my long-time dentist would not offer any discount once I was without insurance and paying cash. So, I shopped around and found a dental discount plan and confirmed that my dentist participates. It costs me a little under $100/year and saves me more than that with just two routine visits per year. When something else pops up (just this week I had a crown replaced), it saves me considerably more.
That is a great idea. I had not thought of that since I have always had dental insurance before, it never occurred to me.
What plan do you use?