Author Topic: Dental and Vision Insurance and Plans  (Read 1347 times)

Offline Moe Ginsburg

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Dental and Vision Insurance and Plans
« on: March 05, 2019, 12:28:20 AM »
What options are worth considering regarding potentially obtaining dental and/or vision insurance or a discount plan?

Is it worth obtaining altogether rather than simply paying out of pocket as you need services, if you only expect to need the standard twice a year dental examination and cleaning and possibly x-rays? If you do need additional services does the insurance or plans offer significant discounts?

What are the differences or benefits between choosing an insurance plan versus choosing a discount plan?

Which carriers and plans are best?

Offline googwallet

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Re: Dental and Vision Insurance and Plans
« Reply #1 on: March 06, 2019, 11:34:53 PM »
I don't think it's worth it. Unlike medical insurance, these plans typically only cover very basic treatment and anything more expensive is on you. My job offers 'full medical, dental and vision' but I know the dental and vision plans are garbage, not even worth the $19 a month that I would need to pay. I opt out and instead pay for these things out of pocket.

In general, I like to think of insurance as being for the big expenses I cannot otherwise afford. That cannot be said about dental and vision insurance. I think it's just a offered so companies can brag that they offer full medical dental and vision when in fact it's basically worthless. Of course other can disagree.

Offline yelped

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Re: Dental and Vision Insurance and Plans
« Reply #2 on: March 07, 2019, 12:24:29 AM »
I would say exactly opposite in my experience, at least with dental. For a few bucks a month (literally), you get most of the dental expenses covered with a very small copay and deductible. If only medical insurance was so cheap.

Offline pcgeek

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Re: Dental and Vision Insurance and Plans
« Reply #3 on: March 07, 2019, 06:39:06 AM »
I would say exactly opposite in my experience, at least with dental. For a few bucks a month (literally), you get most of the dental expenses covered with a very small copay and deductible. If only medical insurance was so cheap.
What plan are you on?

Offline mercaz1

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Re: Dental and Vision Insurance and Plans
« Reply #4 on: March 07, 2019, 10:45:08 AM »
any good dental plans that cover orthodontics?

Offline yelped

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Re: Dental and Vision Insurance and Plans
« Reply #5 on: March 07, 2019, 07:52:37 PM »
What plan are you on?
Colonial Dental.

Offline kaman

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Re: Dental and Vision Insurance and Plans
« Reply #6 on: March 08, 2019, 02:17:39 PM »
I would say exactly opposite in my experience, at least with dental. For a few bucks a month (literally), you get most of the dental expenses covered with a very small copay and deductible. If only medical insurance was so cheap.

100% agree. Also, it's negotiated rates so they can only charge you like 60-80 bucks for a cleaning.

Offline pcgeek

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Re: Dental and Vision Insurance and Plans
« Reply #7 on: March 10, 2019, 12:25:43 AM »
Colonial Dental.
Seems like you have to get it through your employer.

Offline Pad18

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Re: Dental and Vision Insurance and Plans
« Reply #8 on: December 02, 2019, 06:28:21 PM »
i am looking for info on dental insurance .. do someone know a good insurance for advanced dental work ?

Offline SwellCindy

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Re: Dental and Vision Insurance and Plans
« Reply #9 on: December 04, 2019, 11:04:12 AM »
i am looking for info on dental insurance .. do someone know a good insurance for advanced dental work ?

Fidelity Health (not to be confused with Fidelis medical insurance) - This is a great dental plan, do your research pricewise - have this for a while now & covers lots more than other plans (approx. half the cost or less - paying $850 now for Root Canal instead of $1800), paying $220/yr. for couple, excellent choice of dentists. Agent is a Mr. Shraga E. Klein who has the patience of a saint & answers all questions, follows up if dentist was able to accommodate in timely manner & follows up with office on your behalf, etc would highly recommend. Contact # (718) 871-2882 / (845) 783-4537. I may be mistaken but it's possible it's for the tri-state / upstate NY area only.

Alternatively, this isn't too bad either:

https://www.guardiandirect.com/products/dental-insurance

Good luck.

Offline joe1234

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Re: Dental and Vision Insurance and Plans
« Reply #10 on: October 13, 2020, 05:24:37 PM »
Fidelity Health (not to be confused with Fidelis medical insurance) - This is a great dental plan, do your research pricewise - have this for a while now & covers lots more than other plans (approx. half the cost or less - paying $850 now for Root Canal instead of $1800), paying $220/yr. for couple, excellent choice of dentists. Agent is a Mr. Shraga E. Klein who has the patience of a saint & answers all questions, follows up if dentist was able to accommodate in timely manner & follows up with office on your behalf, etc would highly recommend. Contact # (718) 871-2882 / (845) 783-4537. I may be mistaken but it's possible it's for the tri-state / upstate NY area only.

Alternatively, this isn't too bad either:

https://www.guardiandirect.com/products/dental-insurance

Good luck.

looking for a good dental insurance if anyone has any leads...
FTR i looked at guardian and they wanted $200 per month with them paying out a maximum of $1000-$1500 a year. how does that make sense?

Offline Yehudaa

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Re: Dental and Vision Insurance and Plans
« Reply #11 on: October 13, 2020, 05:32:24 PM »
FTR i looked at guardian and they wanted $200 per month with them paying out a maximum of $1000-$1500 a year. how does that make sense?
Well that certainly makes sense from their perspective :)

Offline joe1234

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Re: Dental and Vision Insurance and Plans
« Reply #12 on: October 13, 2020, 05:54:50 PM »
Well that certainly makes sense from their perspective :)
from their perspective it actually makes them dollars...