Dental Insurance. I recall a thread (couldn't find it) where some folks were happy with BB's offering, Manhattan Life ($1,500 year coverage). In our experience, it sucks big time.
First, we were told by BB a 6 month waiting period before most stuff is covered...turns out, it's 1 year. Now we find out that NOTHING related to implants is covered. We are in year 2 and expected some coverage of DH's crown other than a pittance of our hygiene appts. NOPE, only crowns on natural teeth are covered. And since neither DH nor I plan on dentures or bridges and such, continuing coverage would not be to our advantage. One of my teeth is failing and I plan on an implant when that happens.
That said, their coverage also covers vision and hearing. I don't have vision issues and DH usually reused frames he likes. He has high index and other specialized stuff on the lenses, which of course are not covered! Neither of us have hearing issues.
Rant over. Is anyone happy with this particular insurance? Are there other companies we should look at or just suck it up and self insure?
First, we were told by BB a 6 month waiting period before most stuff is covered...turns out, it's 1 year. Now we find out that NOTHING related to implants is covered. We are in year 2 and expected some coverage of DH's crown other than a pittance of our hygiene appts. NOPE, only crowns on natural teeth are covered. And since neither DH nor I plan on dentures or bridges and such, continuing coverage would not be to our advantage. One of my teeth is failing and I plan on an implant when that happens.
That said, their coverage also covers vision and hearing. I don't have vision issues and DH usually reused frames he likes. He has high index and other specialized stuff on the lenses, which of course are not covered! Neither of us have hearing issues.
Rant over. Is anyone happy with this particular insurance? Are there other companies we should look at or just suck it up and self insure?