Reply To: Dental Insurance

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#2156020
Ex-CTLawyer
Participant

@Yserbius
It is not about affording Dental Insurance, but the fact that most dental insurance is not that good, pays little and has annual caps and exclusions.
Our dentists have told us not to buy the insurance, but bank the amount of the premiums each year to have towards major work when needed.
I have a Medicare Advantage plan. It added some minimal dental coverage last year. I was entitled to two cleanings and one set of Byte Wing Xrays for the calendar year. Not worth much to me.
The Dental addon plans I was offered, would not pay for implants, and had a yearly max payout of $2000, which doesn’t cover a root canal and post without a permanent crown in my area.
My trip for dental tourism is not on a whim, but well researched and thought out. This is not in response to a dental emergency, but something that could be postponed until convenient and affordable.