Hobo1
Well-Known Member
Are you under the assumption that I think the cost I paid was not the going rate??? Because I can assure you that it is. At 52 years old... I've known a heck of a lot of people who have paid for root canals and crowns in every way possible.
As to your dental insurance question... I get it because it's not that expensive... mine is only $7.30 every two weeks and that includes 2 free exams and cleaning per year... so that's about a wash.
If there's a downside it's that it has a $1000 per year maximum which if you need any serious dental work... more than things like tooth pulled or fillings you max out pretty quickly.
When you get older you have dental issues more than just mostly fillings like when you are younger. You have gum issues, deep root scaling, crowns etc. and it's not a bad idea to have the insurance.
What I was saying about my father-in-law going to Mexico for his work is he is retired and without dental insurance.
There's a catch there somewhere top gun. Insurance companies just do not give you service at a cheaper price than if you paid cash. Let me guess..
1) The insurance cost increases with age.
2) The insurance premiums increase if you use up to the limit every year.
3) You don't go to the dentist regularly 2 times a year.
4) You have a bunch of conditions which must be met to use the insurance - such as pre-authorization to do any of the work, or limits on the kind of work that can be done.
5) The charge for work done in excess of $1000 per year is abnormally expensive - so a dentist can make up for his losses on the more difficult and expensive work.
Insurance companies don't give money away for free. Perhaps you can tell me how this dental insurance company makes its money??