Best dental insurance?

Discussion in 'Off Topic' started by jmccracken1214, Sep 15, 2018 at 4:01 PM.

  1. jmccracken1214

    jmccracken1214 Essayons! Supporting Member

    Joined:
    Jan 12, 2017
    Messages:
    2,165
    Likes Received:
    1,509
    Location:
    davidson county
    Shopping around for the best dental insurance possible. Have a few things I'd like to get taken care of before they turn into big issues. Not sure what I should go with, lots of options.
     
  2. Jeppo

    Jeppo Very LARGE Member Supporting Member

    Joined:
    May 26, 2017
    Messages:
    5,982
    Likes Received:
    8,151
    Location:
    Davidson County, NC
    I'm using Delta. No opinion one way or the other.
     
  3. NCMedic

    NCMedic Memento Mori Charter Member Supporting Member

    Joined:
    Dec 17, 2016
    Messages:
    866
    Likes Received:
    1,010
    Location:
    Sanford, NC
    We have Delta as well.... however I've had better luck finding a dentist and asking what the cash price would be, I had my wisdom teeth out that way with a oral surgon, Delta paid for two, he cut me a deal and paid for the other two out of pocket.

    Most dental insurances have a maximum payment, if you are getting something big done do it towards the end of the year or whenever your cycle resets. Had a buddy who needed a crown, ended up up waiting like 6 months because he reached the maximum and had to wait for the next year.
     
    Button Pusher likes this.
  4. Slacker

    Slacker Liquor and Whores...

    Joined:
    Dec 17, 2016
    Messages:
    1,536
    Likes Received:
    1,914
    Location:
    Mebane NC / Durham NC
    I've got metlife.
    They pay about 50% of any non preventative bills. The premium is fairly low though.
     
    Last edited: Sep 15, 2018 at 4:33 PM
    Button Pusher likes this.
  5. skiles

    skiles Reloaded Charter Member Supporting Member

    Joined:
    Dec 17, 2016
    Messages:
    568
    Likes Received:
    363
    Location:
    Clemmons
    We have Metlife. Personally, I don't think any dental insurance is all that great unless you don't need anything done beyond a cleaning.
     
    Cowboy, Button Pusher and Jeppo like this.
  6. 12151791

    12151791 [This Space is Available for Rent] Benefactor Charter Life Member

    Joined:
    Dec 18, 2016
    Messages:
    2,514
    Likes Received:
    6,641
    Location:
    On a lake in SC
    And most dental insurance will cover the so called “reasonable & customary” which on average is 75% of what a decent dentist charges.
     
  7. fieldgrade

    fieldgrade Well seasoned member Benefactor Charter Life Member

    Joined:
    Dec 16, 2016
    Messages:
    7,134
    Likes Received:
    11,075
    Location:
    Leaving the Containment Area
    I find dental insurance to be pretty much a wash. Pay the premiums or pay the bills. They don't offer large amounts of coverage in my experience. Just limits of coverage that usually equal about what the premiums end up being, at least with the good group policies I have had in the past.
     
    Jeppo likes this.
  8. GeorgeBush

    GeorgeBush Member

    Joined:
    Dec 16, 2016
    Messages:
    556
    Likes Received:
    464
  9. Button Pusher

    Button Pusher Well-Known Member Benefactor

    Joined:
    Feb 2, 2017
    Messages:
    3,876
    Likes Received:
    4,109
    Location:
    Raleigh
    Brush and floss, but that is no guarantee ;)

    I had Delta but state plan switched to Met Life Dental, way better.
    Delta played games with a crown for my wife, approved only one for a tooth that was not as bad condition as the one that needed the crown. Nine months wasted time on phone and applications with xrays. They knew they were getting dumped by state plan so they held back.

    Best dental I ever had was Blue Cross, got paid in less then five days.

    My daughter needed all four wisdom extracted, w/o insurance $3,500 and with it knocked it down to $2,200.
    Met Life paid half. We have family policy.
     
    Last edited: Sep 15, 2018 at 8:43 PM
  10. Diablos

    Diablos Senior Member

    Joined:
    Dec 16, 2016
    Messages:
    1,642
    Likes Received:
    4,555
    Location:
    saloon number 10
    If I didn't have kids I'd be using Franklin insurance
     
  11. JimB

    JimB Picking it up slowly. Benefactor Charter Life Member

    Joined:
    Dec 16, 2016
    Messages:
    3,212
    Likes Received:
    3,548
    Location:
    Waxhaw
    I always look at dental as a prepayment plan, never seem to get a win from it.
     
    gunbelt, fieldgrade and Jeppo like this.
  12. nbkky71

    nbkky71 Active Member

    Joined:
    Mar 17, 2017
    Messages:
    398
    Likes Received:
    471
    Location:
    Davidson, NC
    Another MetLife person here. I've never had any issues in all the years I've been a subscriber.

    I asked that same question to my dentist once... what's the best dental insurance out there? her reply was to marry a dentist :)
     
    gunbelt, 12151791 and Button Pusher like this.
  13. Paladin1911

    Paladin1911 Happy to be here Benefactor Supporting Member

    Joined:
    Dec 22, 2016
    Messages:
    212
    Likes Received:
    158
    Location:
    Guilford
    Delta now but it is changing in Dec. I have to pick a new one.
     
  14. jmccracken1214

    jmccracken1214 Essayons! Supporting Member

    Joined:
    Jan 12, 2017
    Messages:
    2,165
    Likes Received:
    1,509
    Location:
    davidson county
    I'll look into MetLife. I've always had bad luck with cavities. Brush twice a day, don't floss as much as I should and even as a kid, have had cavities.
     
  15. jmccracken1214

    jmccracken1214 Essayons! Supporting Member

    Joined:
    Jan 12, 2017
    Messages:
    2,165
    Likes Received:
    1,509
    Location:
    davidson county
    MetLife has a good plan for $37 a month. But a 6 month wait. Ugh.
     
    Button Pusher likes this.
  16. Cowboy

    Cowboy Glances can deceive

    Joined:
    Dec 17, 2016
    Messages:
    4,674
    Likes Received:
    4,746
    Location:
    North of Charlotte
    Yep and even then you only get two cleanings worth about 300.00 and have premiums about 80.00 per month.
     
  17. kcult

    kcult Make Forums Great Again Charter Member Supporting Member

    Joined:
    Dec 17, 2016
    Messages:
    3,509
    Likes Received:
    5,955
    Location:
    ChesCo SC
    I have Delta.

    I'm almost the opposite. I brush once a day and stopped seeing a dentist at 18. Twenty four years later, I decided to get a dark spot on my gum checked out. Surprisingly, I had no cavaties, but unfortunately, I had periodontal disease.

    Gums and teeth are good now and the insurance has been awesome. I go for cleanings every three months and I'm charged so little that I honestly couldn't tell you what I pay for each session. It seems like nothing, but I'm sure we write a check for something, occasionally.
     
  18. Button Pusher

    Button Pusher Well-Known Member Benefactor

    Joined:
    Feb 2, 2017
    Messages:
    3,876
    Likes Received:
    4,109
    Location:
    Raleigh
    My state health plan MetLife dental High option family $123 a month. Went to High when my daughters
    needed ortho and wisdom teeth removed, plus my wife is now considered Royalty with six crowns, she needs two more soon.
    Her folks never took her to a dentist when she was a kid.:mad:
    Before this I only carried dental for myself and used Flex plan for the rest.
    When Obama and Congress cut the flex amounts I started dental.
     
    Last edited: Sep 15, 2018 at 9:49 PM
  19. ECNC

    ECNC Member

    Joined:
    Feb 1, 2017
    Messages:
    651
    Likes Received:
    534
    Location:
    Pasquotank NC
    I will be watching this thread closely. I am retired military and have TRDP (Tricare Retired Dental Plan) It is Delta California. Uncle Sam decided to switch it all over to the FEDVIP (Federal Employees Dental and Vision Insurance Program) and I have no clue which one to choose. Most cost slightly more then what I pay now.

    It all just seems like a crap shoot to me on which ever one I pick.
     
    Last edited: Sep 15, 2018 at 10:04 PM
  20. phideux

    phideux Member

    Joined:
    Dec 18, 2016
    Messages:
    487
    Likes Received:
    704
    Location:
    Near the Water
    Go overseas to Eastern Europe and pay out of pocket. The airfare, lodging and dentist bill is usually cheaper than insurance and payments here. Over there we had done:
    Root canal with cap $75.00
    Panaflex x-ray plus full mouth set $3.00
    Broken tooth extracted $12.00
    Full cleaning and de-scaling $20.00
    Cavity fixed $15.00
    The savings on the 2 root canals my girlfriend had more than covered our airfare round trip, plus.
     
    NoNameHaveI likes this.

Share This Page