this post was submitted on 12 Jul 2023
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How good is this $20 dental insurance? I work for a place with decent benefits and with coinsurance, co-pays and the cost we would have to have $700 worth of dental work a year just to break even. $1,000 worth of work would save us $180 vs out of pocket... and it's capped at $1k.
Dental insurance usually comes with 2 teeth cleanings a year, and one set of xrays. These are 100 percent covered.
This layout is the more or less standard delta dental PPO. It's used by the vast majority of employers across the country.
Employers also get group discounts, so it's usually something like $10. The total cost is $120 a year if you don't need dental work.
You have one of the worst dental plans possible.