Insurance. It’s a gamble

Day 63/365: Stethoscope

Image by wenzday01 via Flickr

In my recent rant about dental charges, someone suggested looking into insurance to save on costs. To which I scoffed (mentally) But since my EHIC card has expired I suppose it is the perfect time to look into this. porcelain veneers are the gold standard of dentistry . they’re a skinny porcelain shell that matches over the front of the tooth. they’re manufactured by a master ceramist and inbuilt layers to offer that lovely lifelike appearance.  The porcelain veneers are the foremost versatile and therefore the strongest veneer restoration available. These are often wont to correct any alignment or discoloration. Composite resin veneers are the gold standard of dentistry . Porcelain veneers are the very best quality and most durable sort of veneer. Porcelain veneers are the foremost versatile and therefore the strongest veneer restoration available. These are often wont to correct any alignment or discoloration. they’re going to not stain or change color. they will mimic the translucency of natural enamel. A smile restoration with porcelain veneer are often accomplished in just two visits. These are made directly on the tooth. they will be beautiful and may last a few years . they’re not as durable as porcelain veneers or as stain resistant, but they will be a reasonable cosmetic option. Often we use this system when there’s only one tooth that’s chipped, discolored or broken. Composite resin veneers can oftentimes be wont to correct smaller alignment problems. they’re perfect for filling small gaps. they’re a way less costly alternative to porcelain but may have to get replaced every 5-7 years, because the material isn’t as strong. A smile restoration with composite veneers are often wiped out just one visit.

A Dental veneer may also be known as a porcelain veneer or a porcelain laminate is a custom-made shell that is usually bonded to the front of the tooth surface to improve the appearance. It is usually made of thin porcelain or polymers and covers the tooth in order to change the colour, size or shape of the tooth. In addition to changing the appearance, it can also be used to protect the surface of the tooth that has been damaged.

A porcelain dental veneer is more stain-resistant, and is also much closer in appearance to natural teeth than those made from resins, which are normally thinner and require less work before placement. Your dentist will help you to determine the best type of veneer for your situation.

And then a friend of mine, who coincidentally happens to be a colleague as well, randomly mentioned something about how many deductions came out of my pay before he even saw it. One of those deductions was for health insurance. A little bell went off in my head. Southern Cross! We have a workplace scheme going with them. The past decade, in particular, has recorded great strides in dental technology for your comfort. And your favorite Marlton periodontist hasn’t been slacking either. This is why The Dental Center of Marlton has invested in state-of-the-art tools to make sure all periodontal procedures are as painless and stress-free as possible. The past decade, in раrtісulаr, hаѕ rесоrdеd great ѕtrіdеѕ іn dеntаl technology fоr уоur соmfоrt. And уоur fаvоrіtе Marlton periodontist hаѕn’t been ѕlасkіng either. This is whу Thе Dental Center of Marlton has invested іn ѕtаtе-оf-thе-аrt tооlѕ tо mаkе ѕurе аll periodontal рrосеdurеѕ are аѕ раіnlеѕѕ аnd stress-free as роѕѕіblе. At West Cobb Dentistry we provide several different services in cosmetic dentistry.

Just my luck, a consultant happened to come into the office a week later. Here are my options as a young, healthy human being:

Wellbeing One:
Cover for the catastrophic, should it occur, at $25.24 a month. Double that ($50.48) to add T onto the plan.
Odds are highly stacked against me needing surgery anytime soon, so I won’t go into all the details of coverage. I’ll just say that it covers up to $75,000 per operation. And pre-consults and post-op care. (I think it also covers wisdom teeth removal, although probably not the whole cost). Goodness, and sterilisation, gastric banding, breast reduction and overseas treatment.

Thoughts:  Sounds like good value to insure me against the future. But I’m inclined to postpone signing on for a while yet. But a young, foolhardy person would say that, wouldn’t they?

Wellbeing Two, plus dental and vision:
Looks virtually identical to Wellbeing One at first glance, with the addition of $750 for psychiatric consults.
Add on vision and dental, and that’s $60.77 a month or ($121.54 to cover T as well). That’s up to $500 for dental a year, $100 for hygienist – whatever that is – $50 for eye tests, $400 for glasses or contacts, and $200 for audiology.

Thoughts: I could definitely make full use of the vision coverage, but I’m pretty sure my employer already has a vision subsidy in place. (I used it a couple of years ago and assume it hasn’t been canned.) I also haven’t worn contacts in a while, but I buy them MUCH cheaper online than through brick-and-mortar stores.
I seem to recall being quoted around $300 for a cleaning and filling, and $1500 for T (he needed more work, obviously). I don’t see much point in paying $729 for us a year to get $500 worth of dental work, although again, we are getting coverage should either of us need non-emergency surgery.

Right now, I’m leaning toward postponing the whole idea, and simply paying our dental costs out of pocket.

Anyone have any thoughts on the matter? I know health insurance in the US is a different beast altogether, but all input is appreciated.

3 thoughts on “Insurance. It’s a gamble

  • Reply Amber from Girl with the Red Hair September 26, 2010 at 17:35

    I don’t have insurance anymore (sadly was taken off my moms plan this summer when I graduated. Boo hoo!) but I do pay around $30 a month for medical, which I consider a STEAL compared to what they pay in the U.S.!

  • Reply The Everyday Minimalist September 27, 2010 at 12:26

    In Canada we’re covered under general health insurance, which subsidizes some medication but not all, although checkups and so on are free.

    As for dental, I go every 9 months when I can, and I spend about $200, versus the cost of extra, private insurance. It’s not worth it for me… if I can just pay it out of pocket for cheaper.

    I also don’t need many meds.. just BC pills, asthma inhaler and that’s pretty much it.

  • Reply The Everyday Minimalist September 27, 2010 at 12:26

    I should also note that my company used to take $2000/year for my health and dental (with RESTRICTIONS! Couldn’t go to the dentist every 9 months, was only once a year), and I used maybe… $500 of that and felt cheated.

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