I have extensive work that needs to be done, but I can't do it on credit, and I can't afford $800 for each crown with the current insurance I have. I'd rather pay a higher monthly rate ($100 or $200 a month) and have lower copays. I'm not interested in lectures, my dental issues stem from the poor nutrition my mother had while she was pregnant with me. Even the dentists are amazed how soft my teeth are.
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There are many different plans out there. Most pay 50% on crown and bridge work. I have seen one plan that pays 70% on crowns. The issue here is that there is a maximum the insurance company will pay out per year... most of the time it is $1000 to $1500. So, you need to take into consideration the higher premium for the insurance and what your copay will be. If you are paying $1000 a year in premiums and the maximum the insurance company will pay out is $1000 you have saved no money and just had to deal with the headache of dealing with an insurance company. Look around and MAKE SURE to check the maximum annual payout before you sign anything.
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