health insurance
those of you who have fed blue cross and medicare, what do you do for eye glasses and dental insurance. there is only a few days left and I can not figure out where to look for this insurance coverage...
Forum Discussion
Orcadrvr wrote:
I agree with the poster above: Dental insurance seems to be a pretty marginal product. High deductibles, and low maximum benefits are a very poor combination.
I think doctors and dentists would be happy to take cash if you spoke to them up front.
x2 on dental insurance. When I was employed we had it only because the premium was highly subsidized by the company. When we retired, our dentist gives us a sizeable cash discount since we have no insurance and pay at the appointment. Dental seldom covers much on crowns or implants, and regular cleanings and normal fillings are pretty inexpensive. Even when we had insurance and I needed crowns and in one case in implant, the insurance covered nothing on the implant and maybe 20% on a crown.
Vision coverage is also hit a miss in my mind. Regular health insurance often covers an annual eye medical exam. And many vision plans have a pretty low allowance for glasses/contacts so you still have out of pocket.
Even though DW has glasses and I must use contacts for vision correction, not correctable with glasses, we still don't go with any vision coverage, doesn't pencil out.
