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!

Can anyone answer this question for me who DOES NOT work for a dental heath insurance company? Please!?
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.
Reply:Okay, well that first plan is pretty reasonable. 50% on major and 80% on minor is normal. The deductable is one time a year so you pay 100 plus whatever % you have to pay over the work that was done. If I were you I would definatly jump all over the first deal. Your teeth are very important and you should do what ever you can to keep them healthy!
Reply:The key to figuring out if the dental insurance is good is to find out what their reasonable and customary reimbursement rates are. I had an extraction that cost me $1200. My dental insurance was supposed to pay 80% and they did but they paid 80% of $500. They said that $500 was their reasonable and customary charge. There's no way I could have gotten a dentist to do this work for less than $1200. I asked them to give me the name of a dentist who would do it for $500 and they couldn't. It's just a rip off. The dental insurance companies are very reluctant to give out their rates before you sign up. It may actually be impossible to get, so you don't really know what you're getting.





I now have Aetna dental insurance (no I don't work for them) and it's very good but it's more expensive than what you're paying.





Never join a dental HMO. they get one price for you weather they do any work on your teeth or not. They're notorious for not doing work that needs to be done (fillings etc) because they don't get paid more for it
Reply:Well...the dental insurance sounds pretty reasonable. I pay more than less then that a month...but it doesn't cover 80% of the small stuff. It sounds pretty competative.





As for your medical...that's a terrific deal! I pay close to $400 a month (for myself and my 2 children), and my deductable is set at $5,000. This is a well known brand name insurance company, which permitted me to keep the MD's we all ready had (which is important to me/us).

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