Our dental insurance at Shane’s company is pretty good. It costs $34/month for our family. Last year, Shane had his wisdom teeth removed and our end of the bill wasn’t much, thankfully.
But Shane’s new employer? The dental insurance there will cost our family $92/month. Excuse me?! And there are still co-pays involved for some things, and it doesn’t cover everything in full. I think there are plenty more options we can pursue for our family’s teeth.
I see there are a number of private dental insurance plans available. Many of them seem to offer the basic coverage we’re seeking (preventative care, x-rays, etc.) and cover a good chunk of the bigger stuff (extractions, cavities).
I’m still shopping plans, but I’m certain we won’t go with the employer-offered one.
We could just try to self-insure — set aside money to pay our dental bills out-of-pocket. But I don’t like the risk involved with that, if we need to have something more major done. Perhaps there is a “big event-only” sort of dental plan that we could get and just pay for cleanings out of pocket.
All this to say — if you don’t have dental coverage at all, look into your options because there are some affordable ones out there! And you don’t have to take the employer’s offerings. Sometimes there are better, more affordable options available.