Dental insurance? — The Bump
April 2013 Moms

Dental insurance?

I am working on the benefit for a for my H's new job. Query: is dental insurance worth getting for the family? It would be about $900 a year for all of us and has a max benefit annually of $1,000. It covers cleanings at 100% but other stuff at only 50%. Worth getting at $80/month?
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Re: Dental insurance?

  • Can you opt of for the kids for a few years?  Cavities are like $150 each, but if I remember right I didnt really need work until I was like 8 or 10.  For me and DH its definitely worth it, but hard to swallow the expense when half the family doesnt have all their teeth!
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  • Do u want to pay 100% for a 250$ filling (if ever needed) or half of that..do u want to pay 150-300 for cleaning and exams and X-rays or have it covered every 6 months that you are supposed to go..maybe I'm biased for being in dental field but insurance is worth it
    Kate_C
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  • Kate_CKate_C member
    Ok I'm convinced. I think the rate is the same for family coverage and the older kid is due for his first dental visit. Or overdue... So I guess we'll spring for it. Just annoying expense when the only benefit we usually use is the cleaning. Such is the gamble with any insurance I guess.
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    [Deleted User]
  • Our healthcare insurance includes dental for children under 18. Woohoo! DH and I have dental through my work but DS has it through our health insurance through husbands work.
    "As soon as I saw you I knew an adventure was going to happen." ~Winnie the Pooh
    tondraluv
  • I don't see the point of paying $900 for something that's only worth $1,000 max...seems like you'd be on the losing end of that one odds-wise.


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  • I honestly don't know what would be a good amount. DH pays $2 a month for DDs dental. But I kinda agree with @megandscott07‌
  • Depending on how many kids you have, $1000 may not even cover yearly cleanings plus x-rays...

    If the benefit is $1,000 per person, that's a different story.


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  • JSS1002JSS1002 member

    I don't see the point of paying $900 for something that's only worth $1,000 max...seems like you'd be on the losing end of that one odds-wise.

    I go to the dentist twice a year for teeth cleaning and that's probably $300 just for me -- so I would assume the same for all family members, which kind of pushes you over that threshold since cleanings are included. Also, does that include X-rays and flouride treatments as preventative care?

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  • Depending on how many kids you have, $1000 may not even cover yearly cleanings plus x-rays...

    If the benefit is $1,000 per person, that's a different story.

    Most insurances are per person (yes ik not all)
  • Under the ACA, all medical plans have to include pediatric dental and vision for all dependents under age 19 like @arschm02‌ said effective January 1st. So if your medical plan renewed this year already then the kids should automatically have dental. Is that $80 a month the employee/spouse rate? If so then that rate is kind of high. I work in benefits too and have seen a lot of people opt out for this reason

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    arschm02
  • Kate_CKate_C member
    @tondraluv‌ - you're the best! We will definitely check on the dental coverage for the kids. The $80/ month is the family rate.
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  • @Kate_C I can look at you benefit summary for you if you want, just pm me.  

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    Kate_C
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