I have never had or seen dental insurance in my life that didn't encourage you to go for 2 exams a year.
I'm looking my plan for this year, and am I reading this correctly? It only pays for 1 exam a year?
https://i.imgur.com/OdPQOTB.png
That seems so insane to me for a $30/month plan. (just Dental alone) I might as well have just paid out of pocket.
Am i reading this right? My Dental insurance only allows 1 visit a year? I feel like I got scammed
byu/StopMarminMySparm inInsurance
Posted by StopMarminMySparm
5 Comments
Yes, you’re understanding that correctly.
Dental insurance is more of a discount program than actual insurance.
Maybe that’s one exam and two cleanings? Definitely seems to be a bare bones plan.
As someone who needed dental work too late in life, I quickly discovered self pay was far cheaper than dental insurance. This is going back 15-18 years.
It started with a root canal. Back in the day WITH insurance (which was denied for whatever reason) was supposed be $1500 and self pay was $1200
I’ve paid out of pocket ever since. Mine, wife’s and 3 kids. Just cheaper.
It allows one cleaning per year.
I’d say take a look at what it pays for fillings, root canals and crowns to see if it’s worth keeping.
Dental insurance is an interesting benefit. It only really makes sense to pay for it if you get great benefits through a large employer group, and if you see a participating in network provider.
I’ve worked in the Dental Insurance Industry for over 20 years for a large carrier. Here’s my 2 cents.
if you get insurance through work, I would ask your benefits administrator for a schedule of benefits, look at your plan portal, or ask for a plan summary to see plan benefits for both in and out of network services. If you have insurance through a broker, or privately, I would reach out to the carrier to get those benefits.
It’s almost guaranteed that you would have better in network benefits than out of network benefits. Again, I’d recommend checking out all your benefits to see what’s actually covered for all services. It’s hard to say whether the plan sucks unless you show all covered benefits. This might be useful in the future.
I hope this helps.