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07-05-2020 08:51 PM
I have been looking online and finding a good dental insurance plan has me stumped. What have others found to be working for them? TIA
07-05-2020 08:56 PM
I have my dental insurance with Delta Dental of Illinois. It is through a previous state government job so the cost is reasonable and the premium is deducted from my pension. I have the premium plan, which is $2,000 a year coverage and pays for implants at 50%, just like crowns. Most dental insurance plans only cover $1,000 a year.
I would suggest you look at any organizations you belong to, any churches (I think the Lutheran church has insurance for members of their denomination), any past employers that may offer it to retired employees, or AARP, especially is it is Delta Dental. I also had Delta Dental when I was employed and they are prompt in processing the estimate from your dentist, paying their covered expenses, and their service representatives are very informed, friendly, and helpful.
07-05-2020 08:59 PM
Pay for it when I leave. My last 3 dentists said it's not worth it. The annual cap is $1000-1500 for most plans. And there is usually a deductible. Do the math.
07-05-2020 09:00 PM
@saltysails DH and I have been using Delta dental for many years. Very happy with the coverage and price. It runs about $115 a month for both of us.
07-05-2020 09:02 PM - edited 07-05-2020 09:08 PM
Since I retired, I no longer have dental insurance. I looked into it, but the deductibles were high and the premiums just didn't make sense for my needs. I go to my dentist every 4 months (well, I used to before the blasted pandemic) and I'm fortunate that the dental practice I go to gives one free cleaning per year, plus a 15% to 20% discount to seniors depending on what is done. As long as I don't need a lot of dental work (knock on wood), it's cheaper for me to just do without insurance. Premiums from several companies would have been around $1500/year for just me (without DH). I spend far less than that with my regular dental needs.
07-05-2020 09:03 PM
@saltysails I don't think there is such a thing as a red-hot, super duper dental insurance. They are a lose/lose for insurance companies, especially when covering seniors. Most will pay out more than they take in. Typically, they pay out a max of about $1500. annually in benefits which is nothing today.
I get mine in a group plan through my formerformer employer but it's not great.
07-05-2020 09:04 PM
Noticed a sign at my dentist week ago that they would not be participating in Delta Dental after (some month) next year. I've never had it so can't explain why. Cost ? Paperwork? Don't know - but just a heads-up.
07-05-2020 09:10 PM
I don't think the $1000 cap includes the free cleanings and x-rays, plus you get to pay the reduced negotiated prices that the dental plan has instead of paying full price for work done. I am thinking it might be worth it.
07-05-2020 09:11 PM
I am surprised to hear that about Delta Dental. I though every dentist took that insurance.
07-05-2020 09:22 PM
@saltysails wrote:I am surprised to hear that about Delta Dental. I though every dentist took that insurance.
Mine doesn't.
We keep our fingers crossed, floss our teeth religiously and pay as we go. The dentist offers a 10% discount for a cash payment.
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