Dental Insurance

[wrangler]

Hello,

I am living in the State of GA. At present I have Delta Dental (High Plan) Insurance for my family offered through my employer.

- For 2015, I am looking at other options for Dental coverage
- I have done some research about dental industry offerings, compared plans offered by several companies
- Researched information from NADP - National Association of Dental Plans

Looking for:

- In the past I have had Dental insurance that doesn't have Yearly Maximum limits (a simple treatment can exceed the annual limits in a single visit)
- Prefer No waiting period
- Plans that are very clear and provide upfront details for all treatments including:
1. Checkups & X-Rays(Diagnostic Procedures)
2 . Root Canals (Endodontics)
3. Cleanings & Sealants (Preventive Procedures)
4. Gum Treatments (Periodontics)
5. Fillings & Crowns (Restorative Procedures)
6. Dentures & Bridges (Prosthodontics)
7. Braces (Orthodontics)
8. Tooth Extractions (Oral Surgery)
9. Implants & Veneers (Cosmetic Procedures)
10. Pediatric Dentistry (Pedodontics)

Kindly let me know:

- Is it better to continue for 2015 with my employer offered Delta Dental insurance ($1500 annual limit) and get supplement (additional) coverage through individual plans or Don't enroll in employer offered Dental insurance for 2015 and get individual plan
- Limitations of Discount Dental Plan and situations when a high out-of-pocket expense may occur with discount plans
- What Dental Insurance and/or Discount Dental Plans you suggest
- Any additional suggestions?

Thanks!

 

[pcbinsurance]

From what you said, keeping your work plan and adding a DDP for help with the expensive stuff would probably be your best bet.
www.health-saving.com to compare DDPs.

 

[wrangler]

Thank you! Please find below a sample calculation, based on my Dental Insurance Plan:

Treatment Charges
Multiple Tooth Extraction $1,750.00
Dentures $1,855.00
Total $3,605.00
Dental Insurance Max Limit/Year $1,500.00
Out of Pocket Expense $2,105.00


If I get a new Dental Discount Plan (like Careington 500 Series), will it work in conjunction with my Dental insurance, in which a balance of $332 ($1500 minus $1168 [See below calculations]) will be remaining in Annual maximum limit. For example:

Treatment Charges Discount Plan Final Charges
Multiple Tooth Extraction $1,750.00 70% off $ 525.00
Dentures $1,855.00 $643 $ 643.00
Total $1,168.00
Dental Insurance Max Limit/Year $1500 $1,168.00
Out of Pocket Expense $ 0.00


Also let me know if all Dentists / Dental Offices will take both Employer offered Dental insurance and Dental Discount Plans together.

Thanks Again!