Washington State peeps.
-
Washington State peeps.
Do any of the non-DeltaDental ACA plans cover crowns?
I didn't spend a lot of time comparing, because no matter where I've lived or worked, DeltaDental was the standard insurance.
But it turns out the plan they offer doesn't cover crowns at all. And even if they did, the maximum they will pay for a year is $1000, which kes less than a new crown.wahealthcarefinder.org would let me search for this, but only if I'm picking a new plan. There's no way to compare once you've picked a plan. (Why why why? I'm tempted to set up a dummy account just to find out.
) -
@nazgul whenever I’ve crunched the numbers dental insurance that I pay for out of pocket hasn’t been worth it - the copays/deductibles plus monthly costs have almost always ended up higher than paying out of pocket for my wife and I (kids are covered under the ACA)my dentist gives a discount if you pay her directly. Crowns are tricky - I’ve seen a wide range of costs for them from various dentists
Which is to say it’s worth asking your dentists office if they offer any discounts for uninsured
-
@Rycaut Yeah. Last year I gathered data from our health insurance expenses and used that to adjust our plan. Looks like this year I'll do the same for dental. We didn't have a plan last year because we were spending a few months in Mexico and that was far cheaper than anything we could do here.
-
@nazgul indeed and the numbers may vary by family size - my wife and I go to the same dentists (amazingly great woman owned practice here in the South Bay) and our son goes to the same pediatric practice my wife went to when she was a kid! Both are very good even when we have had expensive problems.
Re health insurance - I did the painful changing of cos this year - both from Covered CA so ACA plans but our new plan was literally over $1000/mth cheaper than our old carrier’s option this year
