Dental insurance?

how does it make sense that the dental coverage is much less than the cost of insurance it covers. I am thinking of quitting it and then how much will I lose out

Dental insurance?
WELL FOR ONE THING YOU PAY ABOUT $30 A MONTH OUT OF YOUR PAY CHECK...RIGHT...OKAY NOW YOU HAVE A DEDUCTIBLE....ON ANY BASIS SERVICE....SO NOW AN OTHER $50 BUCKS PLUS 20% OF THE BASIC TREATMENT AND IF YOU HAVE MAJOR WORK YOU HAVE TO PAY 50%


ALL IN ALL , YOU WILL PAY ABOUT $2500 A YEAR OUT OF POCKET COAST PLUS AN ADDITIONAL $500 BUCK FOR YOUR INS. AND THEY SHOULD COVER ABOUT $1000. RIGHT THATS IF YOU DON'T HAVE A WAITING PERIOD.


I WORK IN A DENTAL OFFICE AN A LOT PT'S USE THIS COMPANY CALLED CARE CREDIT. ITS COOL BECAUSE YOU CAN PAY FOR LIKE $2,000. AND MAKE PAYMENTS LIKE $55 BUCKS A MONTH. AND THEY HAVE A NO INTEREST PLANS. AND ITS A TAX WRIGHT OFF!!
Reply:You're right. The thing is, insurance companies are in BUSINESS and they want to make a PROFIT. They know exactly how much any given group is going to spend for their dental needs, so they construct a fee schedule for that group and decide how much premium that they will need to charge to pay out those fees for that group and still make money. Dental insurance can be a big loser for the insurance companies, because EVERYONE has dental problems. Not everyone has a heart attack.