Posted on Mar 11, 2021
When you retire from active duty and need a dental plan for your family---what are the top benefits that are important to you?
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Posted 4 y ago
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Top benefits: going to the dentist and actually having the problem covered.
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Tammy Hunter
Isn't that true! Very upsetting if you don't have coverage for a certain procedure and you thought you did. We have what is called a pre-treatment estimate that you can have the dental office submit that gives you a breakdown of what you will pay before you have the work done---so no surprises.
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LTC Jason Mackay
Tammy Hunter - just don't understand having dental insurance you pay dearly for and then it doesn't cover things that are plainly dental, or the coverage isn't coverage at all, like 20% on a procedure.
If you know you have a lot of procedures coming up, and you hit the enrollment period, go for a higher premium plan that covers more
If you know you have a lot of procedures coming up, and you hit the enrollment period, go for a higher premium plan that covers more
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For me, I don't like dental insurance, except for something catastrophic. The amount I was offered through the various companies in Benfeds exceeded the cost-benefit assessment for me and my family. Several companies wanted to dictate that I wait a year before I could get the crown I needed. I ended up paying cash into a dental office for their discount program and ended paying less for the dental work my wife and I needed in cash than I would have through paying insurance over the course of a year. And I got it done when I needed it instead of paying into the insurance in order to see the benefit.
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Cpl Vic Burk
Insurance companies are there to make a buck. I can see the wait period theory. In their eyes they don't want someone taking out the insurance for a month and getting "fixed" and then dropping the plan. I don't know that I am ever ahead on the dental part of my employer plan (which I pay about 1/3 of the cost of the plan) since it is all lumped together but with all the health care issues my wife has had we are way ahead over the cost of premiums.
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Tammy Hunter
You both make such a great point--often times people prefer to cover the cost themselves. The way I look at it is if you have dental insurance you feel more of an obligation to at least go in for your 2x a year check-ups. This way issues can be caught early saving you pain in your mouth and pain in your wallet.
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Cpl Vic Burk
Tammy Hunter - 100% correct about feeling obligated to get the preventative to feel like it is worth while to pay the premiums.
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SFC Marc W.
Tammy Hunter and Cpl Vic Burk It's much like anything else, it's situation dependent. For our situation, it didn't make sense, for others it's just right.
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Preventive care is extremely important to find problems hopefully before they become a major issue with extreme costs attached to them. I have dental through my employer that covers dental preventative 100% but has a low cap for work needed to be done. So look for maximums the policy covers annually also.
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Tammy Hunter
Great answer! There are so many options for care out there and choosing one with preventive covered at 100% is really smart. Prevention is key to preventing bigger more expensive issues later on. Thanks for taking the time to chime in. I appreciate it.
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