Wondered if anyone with experience of health insurance and having to claim etc could advise really - me and hubby both wear glasses (and need new ones currently!), or contacts (me) and want to get our eyes lasered down the track. We also both have pretty ropey teeth. Other than that we are in fighting fit health, never really ill or have anything wrong with us.
I've been doing quotes for health extras only and it seems that I can't really get a plan that would cover us for anything near the cost of even a single crown if we should need it, so am thinking its simply not worth getting the insurance? But don't know if thats just my cynical insurance hating side coming out at all, so was wondering if anyone had their thoughts on it.
We definitely don't want hospital cover, and the quotes I've been given generally come back at the $100/month for us both mark (there are a few down at around $40/month, but they only give $100 for dental and $100 for glasses a year which wouldn't really cover anything at all, so not worth it apart from ambulance cover imho). So thinking if I saved the $100/month in the saving account (which currently has a good interest rate on it), it might be more worthwhile than a plan where I can only claim $500 for a crown (from doing a bit of research it looks like a crown would cost in the region of $900/crown), once a year and only 85% of the cost of check ups and minor fillings anyway, so I'd still be paying out for those. So if we needed more than one crown we would be in the same place as if we didn't have the insurance anyway from what I can see - or am I really wrong about pricings?
Anyone who's had tooth work done, I'd really appreciate any comments :)