Midpack
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
I started dental, hearing & vision insurance last May (when I turned 65) with Manhattan Life though I suspected it might not be worth the premiums. I finally looked at the details, and turns out it was about a breakeven. I had two cleanings & exams, and X-rays last year. Neither dentist accepts reasonable and customary reductions (patient pays).
I just had a cleaning & exam, and I'm scheduled for a crown later this month, so I expect my dental insurance will be worthwhile though there's a $1000/year cap (higher available) and I assume I'll exceed that and pay a good chunk out of pocket.
Just sharing for those wondering about retiree dental. The jury is still out for us, we may self insure but so far it's been about a wash so we'll see how it goes.
- If I had no insurance last year, it would have cost me $718.
- With insurance it cost me $743.68 ($456.56 out of pocket & $287.12 in premiums), insurance paid $261.44.
I just had a cleaning & exam, and I'm scheduled for a crown later this month, so I expect my dental insurance will be worthwhile though there's a $1000/year cap (higher available) and I assume I'll exceed that and pay a good chunk out of pocket.
Just sharing for those wondering about retiree dental. The jury is still out for us, we may self insure but so far it's been about a wash so we'll see how it goes.
Last edited: