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Kitten1929
LIF Adult
Member since 1/13 6040 total posts
Name:
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Has anyone here purchased their own "dental insurance"
We currently have CapDent through Healthplex, which I guess is like a dental discount savings plan, and basic services like cleanings, X-rays, etc are covered 100%. Then we pay discounted rates on other/major services.
I am set to renew but just noticed we are eligible for an "off exchange" ACA compliant plan that I think is better? Works out to be the same money per month, but there is a fixed copay per visit ($36), and then all diagnostic/preventive/prosthetic/orthodnotia is covered 100%. There is a maximum of $700 OOP per family.
What am I not seeing? I am clueless when it comes to insurance plans and I know dental insurance doesn't really "exist" the way health insurance does, but DH needs some work done and I want to pick the best choice. I priced Humana, Aetna, Cigna and they were all much more expensive.
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Posted 9/26/16 12:02 PM  |
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jandt2006
LIF Adult
Member since 8/05 1338 total posts
Name:
Teresa
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Re: Has anyone here purchased their own "dental insurance"
I'm not really understanding the plan but there should be a calendar year maximum for the plan per person that they pay. Plus it's broken down by preventative: cleanings basic: fillings and major: crowns. Is that paid at 100% by them?
PM me if you find out more
I was a dental receptionist for 14 years :)
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| Posted 9/27/16 12:40 AM |
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JDandMe
LIF Adult
Member since 9/10 996 total posts
Name:
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Has anyone here purchased their own
Before you consider switching I would make sure that your dentist accepts that insurance plan.
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| Posted 9/27/16 9:04 AM |
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Kitten1929
LIF Adult
Member since 1/13 6040 total posts
Name:
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Re: Has anyone here purchased their own "dental insurance"
Posted by JDandMe
Before you consider switching I would make sure that your dentist accepts that insurance plan.
Yes I already did.
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| Posted 9/27/16 9:11 AM |
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Kitten1929
LIF Adult
Member since 1/13 6040 total posts
Name:
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Re: Has anyone here purchased their own "dental insurance"
Posted by jandt2006
I'm not really understanding the plan but there should be a calendar year maximum for the plan per person that they pay. Plus it's broken down by preventative: cleanings basic: fillings and major: crowns. Is that paid at 100% by them?
PM me if you find out more
I was a dental receptionist for 14 years :)
Off Exchange
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| Posted 9/27/16 9:15 AM |
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jandt2006
LIF Adult
Member since 8/05 1338 total posts
Name:
Teresa
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Re: Has anyone here purchased their own "dental insurance"
This is a bit confusing, you should call and make sure crowns and root canals are covered under this as well. When it's 100% covered for crowns and such usually the quality of work is not good, sad to say because they are not getting paid much.
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| Posted 9/27/16 11:31 PM |
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clotheshorse
LIF Adult
Member since 5/12 1293 total posts
Name:
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Re: Has anyone here purchased their own "dental insurance"
Are you a AAA member? Do they have any supplemental plans that maybe cover the bigger procedures?
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| Posted 9/28/16 7:59 AM |
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