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bdcravens said "if you know you need work done, it is cost effective over paying full price" and eloff tried to contradict by saying it's rubbish unless you kn
by kbutler 9y ago
bdcravens said "if you know you need work done, it is cost effective over paying full price"
and eloff tried to contradict by saying it's rubbish unless you know you need more than average.
Agreed, dental insurance tends to be more like pre-payment, but if you do the math and it works out (and there aren't limitations on pre-existing conditions!) it can be a good option even on an individual basis.
- bdcravens 9y agoWorth noting that unlike health insurance, there's no penalty for not having insurance. Unless you're in pain, you have an idea what your procedures over the next year will look like so you could game the system (though it looks like dental policies are adjusting to that strategy, with increasing payouts or requiring you to wait 12+ months for certain kinds of work)