Quote:
Originally Posted by Rangerdude_Charlie
I had a root canal surgery today. It was miserable and I am in pain. I have to go back on Saturday to add the temporary crown. My tooth had a big cavity and it chipped while I was eating food. The cost is so damn expensive to get it repaired. I am wondering if I should invest in dental insurance. May update on my progress.
Charlie.
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Insurance is a form of gambling. The insurance is placing the bet that you will -not- have medical expenses in the next year. You are betting that you -will- have medical expenses in the next year.
You have to decide then, if you think you'll be getting more root canals, needing more dental work that the insurance covers, over the next year.
Then you have to compare the expense of your projected dental needs, with the cost of the insurance.
For my husband, for example, insurance was a HUGE waste of money over the past 10 years. Why? Because he refused to go to the dentist. Just flat out and out refused. So $12/month for 12 months for 10 years - $1440 we could've spent on other things.
This year however, it's worth it for him to have it. Why? Because all of his teeth are loose, he has periodontal disease, and he'll have to have all his teeth removed and replaced with dentures. Insurance covers 50% of the removal, but nothing else. Even so, that 50% will be more than the $144 we paid for his insurance this year.
Dental insurance typically has extremely high out of pocket expenses - deductibles, procedures that aren't covered at all, and they generally only cover 50% of the costs that they -do- cover. So if you're only thinking of getting the insurance for one root canal, I wouldn't waste my money or effort in signing up. If you don't take care of your teeth, or have a medical condition that's causing them to fail, then it might well be worth it to you.
I don't know what the new rules are about pre-existing conditions with regards to dental. You'll want to look that up before making your decision. Dental and vision care aren't regular health care and they are covered on separate insurance policies. So they might be obligated to conform to a different set of rules than the ACA has for regular health insurance.