Hey all,
Here's the scoop:
I have crappy teeth, and I'm currently without dental insurance. I can't get on my parents insurance because I'm not a full time student, and the insurance my work offers is just a pre-paid/discount plan -- they don't pay a dime into it.
Besides the fact that they don't pay a dime into it, I can't enroll in it until I've been with them for 90 days, and I don't even know if I'm going to work for them for 90 days. Furthermore, I've done a little research on the internet, and I think I can find a better plan cheaper, and start coverage tomorrow instead of 10 weeks from now.
Now, does anybody know anything about these plans? Because it seems like there are a billion of them and no good way of figuring out which one is best for my needs. Any website I've found with information seems to be an affiliate site insurance clearinghouse that's mostly there to sell the plans.
I am looking seriously at the Careington and GE Family Wellness Plans. I initially felt like the discount plans were kind of a "lower class" of insurance than real dental insurance, and if your employer has a good dental insurance program, they probably are. But after researching a little, it looks like any traditional dental plan I can get on right now is only going to cover as much cost of the procedure as the discount plan claims to cover, but the traditional insurance costs more. For example, one of the traditional plans I found is $18 a month, and covers ~%50 of X-Rays. Well the GE Wellness plan is $80 a year, or $6.50 a month, and should provide about a ~%50 discount on XRays.
Anybody around that can shed a little more light on this topic?
Here's the scoop:
I have crappy teeth, and I'm currently without dental insurance. I can't get on my parents insurance because I'm not a full time student, and the insurance my work offers is just a pre-paid/discount plan -- they don't pay a dime into it.
Besides the fact that they don't pay a dime into it, I can't enroll in it until I've been with them for 90 days, and I don't even know if I'm going to work for them for 90 days. Furthermore, I've done a little research on the internet, and I think I can find a better plan cheaper, and start coverage tomorrow instead of 10 weeks from now.
Now, does anybody know anything about these plans? Because it seems like there are a billion of them and no good way of figuring out which one is best for my needs. Any website I've found with information seems to be an affiliate site insurance clearinghouse that's mostly there to sell the plans.
I am looking seriously at the Careington and GE Family Wellness Plans. I initially felt like the discount plans were kind of a "lower class" of insurance than real dental insurance, and if your employer has a good dental insurance program, they probably are. But after researching a little, it looks like any traditional dental plan I can get on right now is only going to cover as much cost of the procedure as the discount plan claims to cover, but the traditional insurance costs more. For example, one of the traditional plans I found is $18 a month, and covers ~%50 of X-Rays. Well the GE Wellness plan is $80 a year, or $6.50 a month, and should provide about a ~%50 discount on XRays.
Anybody around that can shed a little more light on this topic?