FUEGO
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
- Joined
- Nov 13, 2007
- Messages
- 7,746
For 2014, we only had 2 rather expensive dental plans available.
In 2015, there are 12 different plans with premiums (for 2) as low as $44/month or $528/yr. I checked, and my dentist is a provider on the cheapo insurance.
They cover 100% of preventive care. 50% of everything else (after a $75 deductible) subject to the normal dental insurance evasive terminology of things they don't cover or limit in terms of scope or time between services.
That's compared to our pretty good employer provided coverage right now that covers 100% of preventative, 80% of minor services and 60% of major services (IIRC) with $50 deductible.
At $528/yr for the two of us, that's not much more than paying cash for 2 cleanings x2 plus the occasional x-rays (the dentist knocks 10% off for uninsured cash/credit card customers). And any other services will be partially covered plus we get their negotiated rate discount.
Take a look at your exchange's dental coverage for 2015 if you haven't already. I was pretty shocked to see a plan that isn't much more expensive than the preventative care alone.
In 2015, there are 12 different plans with premiums (for 2) as low as $44/month or $528/yr. I checked, and my dentist is a provider on the cheapo insurance.
They cover 100% of preventive care. 50% of everything else (after a $75 deductible) subject to the normal dental insurance evasive terminology of things they don't cover or limit in terms of scope or time between services.
That's compared to our pretty good employer provided coverage right now that covers 100% of preventative, 80% of minor services and 60% of major services (IIRC) with $50 deductible.
At $528/yr for the two of us, that's not much more than paying cash for 2 cleanings x2 plus the occasional x-rays (the dentist knocks 10% off for uninsured cash/credit card customers). And any other services will be partially covered plus we get their negotiated rate discount.
Take a look at your exchange's dental coverage for 2015 if you haven't already. I was pretty shocked to see a plan that isn't much more expensive than the preventative care alone.