https://boards.hellobee.com/ Pregnancy, Baby and Parenting blog, by Hellobee en Sun, 31 May 2026 01:04:53 +0000 https://boards.hellobee.com/topic/why-do-i-even-have-dental-insurance#post-1380508 Tue, 28 Jan 2014 08:45:41 +0000 Anagram 1380508@https://boards.hellobee.com/ <p>I would keep it but look for something cheaper. I've always had perfect teeth (I mean, no cavities or issues) but I know *know* if I were to cancel I'd suddenly need a root canal or something that would cost 10,000 dollars. </p> <p>My mother just recently needed a root canal, had a FAILED root canal, then had to go back for a second root canal, and needs a fake tooth implant and all kinds of things (stemming from the same issue), The whole thing would have cost something like $10,000 without insurance. That's painful. </p> https://boards.hellobee.com/topic/why-do-i-even-have-dental-insurance#post-1380500 Tue, 28 Jan 2014 08:42:01 +0000 looch 1380500@https://boards.hellobee.com/ <p>@yoursilverlining: agreed.</p> <p>Dental insurance isn't really for cleanings, it's for situations when you get a tooth knocked out and need it replaced.</p> <p>If you feel you can just pay out of pocket for cleanings, do that, but def. keep it for the kids! </p> https://boards.hellobee.com/topic/why-do-i-even-have-dental-insurance#post-1380493 Tue, 28 Jan 2014 08:37:06 +0000 Mamaof2 1380493@https://boards.hellobee.com/ <p>I would ask what the cleaning would cost if you paid cash - most dentists would offer a discounted rate.</p> <p>That is so expensive!! Here dental is cheap and 2 cleanings per year are free - so are xrays! </p> https://boards.hellobee.com/topic/why-do-i-even-have-dental-insurance#post-1380224 Mon, 27 Jan 2014 23:25:47 +0000 Boogs 1380224@https://boards.hellobee.com/ <p>That seems high. I'd cancel, but only if I had the option to sign up down the road if I felt like I needed it. We don't have dental insurance, and one positive is that we pay slightly less because we make cash payments.</p> <p>Another thought, does the $100/month include all four of you? </p> https://boards.hellobee.com/topic/why-do-i-even-have-dental-insurance#post-1380221 Mon, 27 Jan 2014 23:22:03 +0000 sunny 1380221@https://boards.hellobee.com/ <p>That sounds terrible.</p> <p>If you think you can do an honest assessment AND can afford to self-insure (e.g. pay out of pocket for anything you need done), then perhaps you should cancel! Or maybe its just time to shop for a new plan.</p> <p>Consider any effects from not having continuous insurance if/when you want to sign up again. </p> https://boards.hellobee.com/topic/why-do-i-even-have-dental-insurance#post-1380200 Mon, 27 Jan 2014 23:06:11 +0000 MamaMoose 1380200@https://boards.hellobee.com/ <p>Do you get X-rays? Do you have your wisdom teeth out? It would suck to need to get your wisdom teeth out and not have insurance. </p> https://boards.hellobee.com/topic/why-do-i-even-have-dental-insurance#post-1380184 Mon, 27 Jan 2014 22:57:28 +0000 birdofafeather 1380184@https://boards.hellobee.com/ <p>i would cancel. i just put the money away for our cleanings and xrays. that's a lot and you're not getting anything out of it! </p> https://boards.hellobee.com/topic/why-do-i-even-have-dental-insurance#post-1379932 Mon, 27 Jan 2014 21:01:40 +0000 Arden 1379932@https://boards.hellobee.com/ <p>Maybe cancel and put the money you were paying into a savings account set aside for a potential dental emergency down the road? At least you'd earn interest on it. </p> https://boards.hellobee.com/topic/why-do-i-even-have-dental-insurance#post-1379923 Mon, 27 Jan 2014 21:00:05 +0000 cmomma17 1379923@https://boards.hellobee.com/ <p>I'd look for a better plan! My sister works in insurance and says most dental insurance is pretty terrible. However I'm surprised you have to pay for cleanings! 2 cleanings per year on our insurance are free, and our dental plan isn't that great! </p> https://boards.hellobee.com/topic/why-do-i-even-have-dental-insurance#post-1379901 Mon, 27 Jan 2014 20:53:06 +0000 Bao 1379901@https://boards.hellobee.com/ <p>We pay $16/month and then $50 as a copay once a year. So way less than what you pay and this is for both DH and I. </p> https://boards.hellobee.com/topic/why-do-i-even-have-dental-insurance#post-1379823 Mon, 27 Jan 2014 20:23:57 +0000 yellowbird 1379823@https://boards.hellobee.com/ <p>I'd cancel it! Our dental insurance is only 12.00 a month through dhs work! </p> https://boards.hellobee.com/topic/why-do-i-even-have-dental-insurance#post-1379786 Mon, 27 Jan 2014 20:04:29 +0000 Synchronicity 1379786@https://boards.hellobee.com/ <p>I'd consider cancelling and putting a good chunk of that thousand dollars away in a separate account each year, in case something happens where you do need a more expensive treatment. When the account balance starts getting higher than it needs to, funnel it elsewhere :) </p> https://boards.hellobee.com/topic/why-do-i-even-have-dental-insurance#post-1379780 Mon, 27 Jan 2014 20:02:55 +0000 yoursilverlining 1379780@https://boards.hellobee.com/ <p>I wouldn't cancel, that's just begging the universe to hit you with some weird dental disease/injury that would have been covered by insurance! </p> https://boards.hellobee.com/topic/why-do-i-even-have-dental-insurance#post-1379778 Mon, 27 Jan 2014 20:00:53 +0000 Sparkler 1379778@https://boards.hellobee.com/ <p>I think the maximum coverage is only around 1k anyway for the best plans, so doesn't seem like it makes sense! Everyone I know who needed a crown and bridge in the same year had to come out of pocket big time even with insurance! </p> https://boards.hellobee.com/topic/why-do-i-even-have-dental-insurance#post-1379728 Mon, 27 Jan 2014 19:36:52 +0000 Ra 1379728@https://boards.hellobee.com/ <p>@mrbee: Have you looked into a dental discount plan like Careington 500? <a href="https://www1.careington.com/" rel="nofollow">https://www1.careington.com/</a> </p> https://boards.hellobee.com/topic/why-do-i-even-have-dental-insurance#post-1379708 Mon, 27 Jan 2014 19:28:41 +0000 LilacWine 1379708@https://boards.hellobee.com/ <p>We recently got rid of our dental insurance for the same reason (self-employed with no group plan). Maybe look at how much your annual max is for the year? If it's close to the amount you're paying in premiums and copays anyway then it may not payoff. </p> https://boards.hellobee.com/topic/why-do-i-even-have-dental-insurance#post-1379702 Mon, 27 Jan 2014 19:25:59 +0000 SugarplumsMom 1379702@https://boards.hellobee.com/ <p>I'd cancel! </p> https://boards.hellobee.com/topic/why-do-i-even-have-dental-insurance#post-1379688 Mon, 27 Jan 2014 19:19:56 +0000 Mae 1379688@https://boards.hellobee.com/ <p>…. why DO you have dental insurance?? 100+/mo seems really high for dental. I have it because it is cheap and I get 2 cleanings/year for $0 copay. But I had a bunch of cavities last year (due to the fact that it was the first time I had dental insurance in several years and I had failed at being a grown up and going to the dentist while uninsured) and even the out of pocket cost I think would've been similar to your monthly rates! </p> https://boards.hellobee.com/topic/why-do-i-even-have-dental-insurance#post-1379687 Mon, 27 Jan 2014 19:19:49 +0000 Dandelion 1379687@https://boards.hellobee.com/ <p>Soynds like it's not worth it. Is your insurance for your whole family? </p> https://boards.hellobee.com/topic/why-do-i-even-have-dental-insurance#post-1379685 Mon, 27 Jan 2014 19:19:20 +0000 pui 1379685@https://boards.hellobee.com/ <p>I would do some more math and see if it makes more sense to keep paying the insurance or just pay for a dental problem if it comes up. </p> https://boards.hellobee.com/topic/why-do-i-even-have-dental-insurance#post-1379684 Mon, 27 Jan 2014 19:18:59 +0000 PurplePumps 1379684@https://boards.hellobee.com/ <p>Holy crap, that is expensive, for both! Our dental insurance doesn't cost us anything, and a cleaning is fully covered. I'd probably cancel it and just pay for the cleaning in your case. </p> https://boards.hellobee.com/topic/why-do-i-even-have-dental-insurance#post-1379681 Mon, 27 Jan 2014 19:17:56 +0000 Mrs. Jump Rope 1379681@https://boards.hellobee.com/ <p>@mrbee: what about IF you had a cavity?</p> <p>I have no idea what we pay per month for dental, but I got my first cavity last year &amp; was very grateful to have had insurance! </p> https://boards.hellobee.com/topic/why-do-i-even-have-dental-insurance#post-1379680 Mon, 27 Jan 2014 19:17:14 +0000 MsLipGloss 1379680@https://boards.hellobee.com/ <p>@mrbee: Are there other benefits of the coverage of which you aren't taking advantage, say, does your coverage provide for things like sealants (on your molars)? Maybe there are additional benefits that would make the coverage more useful? </p> https://boards.hellobee.com/topic/why-do-i-even-have-dental-insurance#post-1379679 Mon, 27 Jan 2014 19:15:44 +0000 mrbee 1379679@https://boards.hellobee.com/ <p>@Leialou: cleanings are ~$200 each! </p> https://boards.hellobee.com/topic/why-do-i-even-have-dental-insurance#post-1379677 Mon, 27 Jan 2014 19:15:00 +0000 Mrs. Pickle 1379677@https://boards.hellobee.com/ <p>Maybe so! How much is a cleaning? I wouldn't be able to cancel mine because I've had 2 cavities. And I don't pay anything out of pocket for cleanings.</p> <p>Eta: oh I see you said your cleanings would be around $200. If probably cancel it. </p> https://boards.hellobee.com/topic/why-do-i-even-have-dental-insurance#post-1379674 Mon, 27 Jan 2014 19:12:17 +0000 mrbee 1379674@https://boards.hellobee.com/ <p>I had to pay a $50 deductible for my cleaning this month, since it's a new year. But my dental insurance costs $100+ a month! It got me doing the math and I realized... I'm paying over $1k a year, and only getting two cleanings (every six months) that cost me ~$200 each.</p> <p>I haven't had a cavity since I was in elementary school, and have been brushing and flossing like crazy lately. Should I just cancel my dental insurance and pay cash for my cleanings? </p>