Supplemental dental insurance
originally posted: 11/22/2006 reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If in doubt, please send a new question or ask for an update.
Q: I have Delta dental insurance and about 3 years ago got dentures an upper plate specifically. I broke a tooth and am told my insurance doesn't cover repairs to dentures it's $269 for a replacement! I was wondering if there is a supplemental plan of some type I might join that would cover Denture repairs?
A: Dental insurance restricts benefits for pre-existing conditions and therefore would not be a good option. Besides even if it were covered, the cost of the additional insurance would be much more than the amount of your relatively small $269 out-of-pocket cost. Remember that dental insurance is specifically designed to ensure that the amount of the premium is always larger than the amount of the benefit. Instead, consider a dental discount plan like www.ehealthdiscountplan.com . Better yet, talk to your dentist and ask what financial arrangements are possible. This will be far better than buying dental insurance. Remember that these dental costs can be covered by a Health Savings Account (HSA) or Health Reimbursement Arrangement HRA) on a tax-free basis. If your employer does not offer these options, you may wish to suggest it.
Summary
More resources:
www.ehealthdiscountplan.com
FreedomBenefits.net