Can anyone answer this question for me who DOES NOT work for a dental heath insurance company? Please!?

My job has offered me a dental insurance plan which only covers 50% of all major dental procedures. My fee is $14.33 biweekly. I have a $100 deductible. It covers 80% on small stuff like fillings and basic root x-rays....routine stuff like cleanings is free. I've never had to deal with this stuff alone. What kind of deal, or plan does this sound like to you? Thanks so much for your help! OH! I almost forgot. This is ridiculous, but, I've also been offered medical insurance which has a $2,800.00 deductible. The fee for it is $33.00 biweekly and they agree to pay NOTHING until the annual decuctible of $2,800 is met. Now, I'm far from being a genius here, really, but are they freaking kidding me??? I've never heard of such a high deductible in my life. Am I wrong about that? Please help. I really need Medical insurance and make very little money. Anyone who isn't trying to sell me on the company they work for is greatly welcomed to advise me on this. I SO appreciate it!
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The dental is normal in both the cost and the coverage. The deductible is a little high, most plans have a $50 deductible. The medical insurance sounds like good plan, especially if you seldom go to the doctor. I'm not sure how old you are but the premium is reasonable. It is considered a catastrophic plan so if you go into the hospital and have a $100,000 charge you'd be glad you have the policy. It's not as bad as you think. Even though you may have to pay more if you go to the doctor you are not paying full price. You are paying the negotiated rates that the insurance company has with the doctor. In my area that rate is $70 to $90 per office visit. If you don't have the insurance you are paying around $150. Your other option would be to visit a local independent agent to find out what plans are available in your area. I'd guess that a "traditional" $1000 deductible plan with $25 office visit co-pays will run you around $150 - $200 or more per month. You'll need to do the math to see what plan is right for you.
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