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Originally Posted by JAR0023
Our dental coverage was through the state (TPA under BC/BS) it was awful and we looked into this the year before we did the braces. With the coverage provided through my wife's work the total annual premium was actually $400 higher than the maximum amount of benefit the coverage would provide. It pays to read the fine print. -J
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Dental "insurance" is pretty much a joke. It's not really insurance, so I put that term in "quotes" but basically a $1000-1500 per year discount plan. It's astounding how many of my patients have dental insurance but have no idea how it works, people generally assume it works like medical insurance where it covers what you need, but that could not be further from the truth.
I recommend most people don't bother with it unless you get it for free from your employer, but even then don't ever count on it to cover all the care you need. In most cases if you were to just put the premium cost into a savings account each month, then use it when need it, you would come out ahead compared to purchasing and paying into a dental plan.