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Tallysmom
15,966 posts, read 27,907,937 times Reputation: 32108
Quote: Originally Posted by selhars Anyone have experience with any of these companies? Where I live, a lot of dentists are opting out of Delta dental. My friend has it, and she is having a hard time finding a dentist that takes it. Many years ago, 1999 if I recall correctly, we bought health insurance for the first time on our own as a sole proprietor business. At that point in California, where we lived it was $100 a month for the two of us with the typical payments where we pay a co-pay and on things that are typically covered. Crowns we have to pay 50%. I called my dentist and asked the lady at the counter — How much does it cost for a normal check up with x-rays and everything we do? Turns out not having insurance cost us less than having insurance. We paid maybe $750 in California between the two of us because my husband had some issues. But with insurance we would be paying along the lines of $15-$1600 a year So we didn’t have insurance. I still don’t have dental insurance. I go to a dentist who has a program that I buy into for $385 a year. I get two exams, two cleanings, one full set of x-rays if needed and bite wings every time I go.. So, way less than $600 a year that I would have to pay to have insurance here that didn’t pay for much. This is also not the first dentist that had a self insurance program. The one that I left in California had one. So I would ask if my dentist had a self insurance program, how much would it cost, and if paying $45 a month which is $540 a year is crazy. Is it worth it to you? And that’s the thing. I have two crowns, I take excellent care of my teeth, I go in and she tells my gums don’t bleed, and she tells me I have fantastic teeth, and I barely have any tartar. When I have asked the last two dentists that had the self insurance, they told me paying for dental insurance would be stupid for me. The crowns were a different story. They were a little pricey, they let me pay on time with no interest, I think I had 90 days. It’s an individual thing. If you have issues with your dental health, insurance is probably not a bad idea. I don’t. Vision insurance is the same thing. You pay all this stuff upfront, and still have to pay something at the end, and I think I can get it cheaper on my own. It’s why I go to Costco for glasses.So far I’ve been right. The times I have had to go to an ophthalmologist, it was covered under my medical insurance, not vision insurance. For other people, they might have a different experience. That’s why you gotta know your numbers. By the way, if you constantly break your glasses, and I do know a couple of people who do this… Costco is not your friend. The frames you buy at Costco or legitimately old stock. They are not making parts for those things anymore so if you break your glasses all the time you want to get them from the eye doctor and spend more money. They can get parts for your glasses and repair them for you. I don’t know if there’s a cost. But I know the last time I was going to buy glasses at the eye doctors. My glasses were over $1000 at Costco. The frames were 49.99 and the lenses were 100 and something. I got out of there under $200 for progressive lenses. They just weren’t Varilux. That was probably 17 or 18 years ago, it’s now about $270. But I have no clue how much glasses cost. I do know that even when I did have vision insurance when I worked, the glasses were still costing me money I always had to pay a couple hundred dollars because I wasn’t single vision anymore. Actually don’t think my late husband ever got progressive lenses.
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