if i earn 200k with fully paid family medical but no dental, what would be the equivalent salary of someone that had a family dental package included in their compensation? should i go out and buy my own dental coverage for a family of four?
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Private dental coverage usually runs around $30 a month. Maybe it would cost your employer, $20 a month. Negligible, with your salary. Because of all the limitations, copays, deductibles, etc, I've never seen a private policy that pays out more than it costs. This is a good example of you being able to "self insure" for your family's dental coverage. It's not going to be worth it for you to pay, say, $50 a month for a family plan, that's going to actually pay out less than $500 a year.
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