4 ms·
What bothers me is that many of the so-called dental "insurance" plans I've seen in the U.S. have quite low caps. Essentially, they work out more as a kind of
by pasbesoin 15y ago
What bothers me is that many of the so-called dental "insurance" plans I've seen in the U.S. have quite low caps. Essentially, they work out more as a kind of "payment plan" against average expenses when measured over multiple years.
I'd rather pay for those, myself, but have "real" dental insurance for the quite expensive, unexpected stuff. Infections. Complications from non-routine extractions (particularly notable with some wisdom tooth extractions). Etc. Things where a $1000 or $2500 cap may hardly make a dent in the final expense.
- jrockway 15y agoWhen I was looking at individual dental plans (actually, "group plans" from the ACM or IEEE), it seemed to me that it was basically the cost of two dental visits amortized out over 12 months, with a small discount on other procedures. With a "real" group plan, the only things I've had to pay was a $300 deductible on the wisdom teeth removal and $25 for a flouride treatment that insurance doesn't cover. (Presumably because most adults don't have braces.)