laura girling

Dental Insurance

    Recommended Posts

    Hey Guys,

     

    Im considering covering my families dental by insurance has anyone done this?

    and if so where why or why not, how much do you pay who with and does it cover orthodontist treatment like braces.

    Whats the best thing about it and do you really need it?

    So many questions sorry and thank you

    Laura xxx

    Share this post


    Link to post
    Share on other sites

    Unfortunately you really don't get much for what you put out. My plan, for example, has a $500 benefit towards all dental care, including braces. Most orthodontists will spread payments out over 3 to 5 years so you can get that benefit to stretch (you have to ask the ortho though). Dental insurance is something that comes with your hospital and extras cover.

    Share this post


    Link to post
    Share on other sites

    Mutual Community - Silver Extras Package...

     

    We have this and have found it to work well.....

     

    e.g....my husband has dental work done recently...total cost $200...after insurance he paid $65...

     

    Has some more to come that is going to be nearly $800...after insurance, think he will pay around $300...

     

    yeah, you could argue that by the time you have paid the premiums every month and then what you have to pay towards treatment as well...not worth it...(I used to think that)..but when you take into account all the other treatments it covers....such as physio, chiro, eyes etc...and if you use them all (like we do)...then it can really help..

    Share this post


    Link to post
    Share on other sites
    Guest coolio

    Hi,

    I have seen both sides of this as I am a parent of 2 kids having ortho :shocked: AND I work as a Dental assistant.

     

    We have Mutual Community Silver plus extras and this seems quite fair compared to others I see coming through our surgery. I am allowed up to $700 per child per year for ortho (currently fees are about $2000 per annum)

     

    All routine dentistry for the kids ie check ups, scale and clean, fillings is covered (no gap).

     

    Myself and hubby get about 60% off our bills ie $200 bill, we pay $80 (perk of job though= no gap :) )

    My dentist is a mutual community members first member though and this has a bearing on fees charged.

    Also cover will differ for each person depending on which level of cover you take out.

     

    Other health funds often pay less, BUT may be better if dental is not a priority for you and your family.

     

    Worked for the NHS for 22 years, its not better or worse here, just different.

     

    Kezza xx

    Share this post


    Link to post
    Share on other sites
    Guest kangomik

    Saved us a few dollars so far, i think it's with medibank extra's but yu would have to ask "her who must be obeyed"

    Share this post


    Link to post
    Share on other sites
    Hey Guys,

     

    Im considering covering my families dental by insurance has anyone done this?

    and if so where why or why not, how much do you pay who with and does it cover orthodontist treatment like braces.

    Whats the best thing about it and do you really need it?

    So many questions sorry and thank you

    Laura xxx

     

     

    Thank you all for replying I will mull it all over,

     

    Laura xxx

    Share this post


    Link to post
    Share on other sites

    Create an account or sign in to comment

    You need to be a member in order to leave a comment

    Create an account

    Sign up for a new account in our community. It's easy!

    Register a new account

    Sign in

    Already have an account? Sign in here.

    Sign In Now