Comments on: How Much Do You Pay For Dental Insurance

By: Theresa Benjamin

Theresa Benjamin — Sat, 12 Apr 2008 04:09:16 +0000

I would have to pay $102 a month for myself and 2 children. More children wouldnt add to cost. I elected not to enroll. I figure I will come out a little ahead if I dont take the insurance. My kids usually have no cavities, sometimes one. This employer insurance doesnt cover any ortho. And my son needs braces badly. Large space problems as my dentist informed me. I pay 100 every paycheck/every 2 weeks for 2 kids health insurance and the employer pays for mine. $20 co-pay office visits. Pretty good on the prescriptions. I am satisfied with this so far. But I havent really used it except for my daughter once and I havent gotten bill yet but was told they paid for the strep test and like I said the presciption co-pay wasnt bad. I only bought for the peace of mind of a big health expense otherwise out of pocket I think Id be ahead w/o it.

By: Brandon Barkley

Brandon Barkley — Wed, 27 Feb 2008 16:07:20 +0000

I pay 18.79 a month for my wife and I to have Comprehensive coverage. Comprehensive coverage covers 100% of two cleanings a year, 80% of any fillings, and 50% of major work (crowns, bridges, and such). The downside is they do not cover implants.

It would be just a little bit more to have full family coverage from what I understand. There is also a cheaper Preventative plan that has the same coverage for cleanings and fillings but does not cover major work at all.

By the way, I did some looking on the open-market once, and I noticed that many insurance accounts have a certain time before you can get any non-preventative work done.

By: Amphritrite

Amphritrite — Wed, 27 Feb 2008 15:54:22 +0000

I work for a union on a University campus, and so, I pay nothing for dental. My medical costs run about $30 a month (I think it’s $28), and I pay about $20 into a pre-tax flexible spending account for copays and such.

By: Future Millionaire

Future Millionaire — Mon, 25 Feb 2008 17:01:15 +0000

Seeing everyone’s payments helps me appreciate my current plan more. I pay $6/bi-weekly so roughly $13 a month. Its just myself through an employer plan. Unfortunately my insurance does not cover the dentist I’ve gone to since I was a child so I do pay a little more each visit for that, but to me its worth it.

Like Laurie, I’ve also done the math several times to see if I’d be better to risk it and not have insurance and while the numbers work out, I like having the piece of mind that if I had to have a crown or a root canal etc that I’m at least partially covered.

By: Laurie

Laurie — Sun, 24 Feb 2008 02:34:48 +0000

Nope - ours is $87 and change (but my health insurance went up 16% Jan 1). I did talk to my sister and bil who are on the K-12 teachers plan in Banks County and it did just go up. For some reason the university “teachers” have different dates for open enrollment (back in November & early December) and the prices are always slightly different from the K-12 despite being the same plans. We’ve found the same is true of the health plans and the prof’s are even offered 1 health plan the K-12 teachers aren’t. I’m guessing maybe because prof’s are state employees whereas teachers are county, but the Board of Regents offers plans to the counties? Who knows - all I know is that they make the whole thing as confusing as possible!

Good luck.

By: The Happy Rock

The Happy Rock — Sun, 24 Feb 2008 00:45:40 +0000

I have delta dental out of California, if it matters.

By: Livingalmostlarge

Livingalmostlarge — Sat, 23 Feb 2008 23:31:01 +0000

$5/month for DH and I. Not much more if we had kids. $2000/year annual cap, $50 deductible and basically 100% normal, 90% basics, 80% extra, and 60% major work.

I never bought it alone, but my friend did. Usually you have to wait 1 year to stat collecting so it’s not a preexisiting condition.

I have delta dental.

By: Michelle

Michelle — Sat, 23 Feb 2008 23:30:00 +0000

We pay quite a bit (I guess) $39 bi-weekly — but we opted for the more expensive plan. This plan (Met life) pays more up to $3000 a year for each of us (we are a family of 5) All preventive things are free. (cleanings, xrays etc) and pays out bout 80% of procedures as long as you use a network provider. It was much needed this year and actually the first time our employer offered a dental plan. We will get our money’s worth I think this year.

By: Eden

Eden — Sat, 23 Feb 2008 16:54:12 +0000

I declined dental insurance where I work because the only ‘good’ plan (where I could choose my own dentist) was $50/ month and of course that did not cover 100% of costs so I didn’t see it as being worth it. We have no children so I’m not concerned about any big dental expenses.

By: The Happy Rock

The Happy Rock — Sat, 23 Feb 2008 16:02:27 +0000

We pay 7.00$ a week for any amount of family we have. We would get free coverage for the whole family as a perk, but I did the math and since our teeth aren’t perfect the upgraded coverage is usually worth it if we get a little work done during the year. The plan sounds similar to Laurie’s. No co pays, cleanings and preventative care is covered. On a single filling with a bill of 200-250 we pay about 12-20 bucks.