So, I'm looking into getting private health insurance because I will be leaving my employment soon. I'm looking at dental insurance. The plans I'm finding range from $8 a month with an unlimited coverage amount to $80 a month for a $1000 annual limit. The $8 a month is attractive except for the fact that there are only 3 dentists in the plan near me and they are all about an away from where I live. I've found a local dentist I absolutely love, but he is not on that plan. I cannot see spending $60-80 a month only to get denied coverage over $1000 a year!!! I have pretty healthy teeth and gums and go in twice a year for a cleaning. I've checked with my dentist and I think that will cost me about $300 annually. It seems like that is the way to go, but I wanted to see if anyone could give me a reason why I really need dental coverage??? Thank you.
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After you leave your job, you can always use COBRA for 18 months until you either find a new job or get new insurance. If you're not familiar with it, you keep your same insurance but pay the premiums yourself. Most dental insurance companies have a $1000-$2500 a year plan maximum, but that doesn't mean you can only have that amount of work done. It means they will pay that much towards your dental treatment annually. Checkups are usually covered in full, with fillings, crowns, etc.. covered at a 'usual and customary' rate, usually anywhere from 60%-80%, leaving you with the difference. Stick with your local dentist since you're comfy with him and his staff. You could always assign benefits over to him on the dental claim form, then you'd just be responsible for the outstanding balance. Good Luck!
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