Money Matters
als1982
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Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
If you have questions about this, please email help@theknot.com.
Thank you.
Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
Dental insurance?
I have a great policy through work, but H's company does not offer one. It's possible that he may need some periodontal work (and/or possibly orthodontia to fix a bottom tooth that sticks out from the rest and has a receding gum line). For those of you who have individual dental policies, are they worth it and what company do you have your policy through? We have no problem paying for routine cleanings and the occasional cavity out of pocket, it's the bigger stuff I'm worried about.
HeartlandHustle | Personal Finance and Betterment Blog
Re: Dental insurance?
Just a warning, most group dental plans only pay for half of major dental work and there might also be a waiting period. However, check your specific plan. Those kind of details should be outlined in it.
And still, I've found even only saving half is worth the dental premiums, especially since two cleanings a year are usually no cost.
This is a very good point. When you go through your open enrollment, you'll get updated info on your dental plan and that would be an excellent time to sit down with your HR office and ask questions. Specifically I would ask about any applicable waiting periods (sometimes there are waiting periods if you - or your dependents - didn't sign up when you were first offered coverage at time of hire) and I would ask what percentage the plan pays for preventive, basic, and major services, and the plan maximum, in case it changes from your current plan design. I would then do some comparison pricing online for individual plans for your husband before making any final decisions. Also - make sure you check the dental networks for any plans you consider and make sure that there are participating dentists nearby (should be obvious but I can't tell you how many people don't check and end up going to out of network providers).
The only time I've found dental plans to be worth it is if you have kids or need major work done. I just cancelled mine for this plan year since I should only need two cleanings and the cost of those is less than I would've spent in premium. When I needed 6 cavities filled, that's when it was worth it to have the insurance.
This is a very good point. When you go through your open enrollment, you'll get updated info on your dental plan and that would be an excellent time to sit down with your HR office and ask questions. Specifically I would ask about any applicable waiting periods (sometimes there are waiting periods if you - or your dependents - didn't sign up when you were first offered coverage at time of hire) and I would ask what percentage the plan pays for preventive, basic, and major services, and the plan maximum, in case it changes from your current plan design. I would then do some comparison pricing online for individual plans for your husband before making any final decisions. Also - make sure you check the dental networks for any plans you consider and make sure that there are participating dentists nearby (should be obvious but I can't tell you how many people don't check and end up going to out of network providers).
The only time I've found dental plans to be worth it is if you have kids or need major work done. I just cancelled mine for this plan year since I should only need two cleanings and the cost of those is less than I would've spent in premium. When I needed 6 cavities filled, that's when it was worth it to have the insurance.
********** stuck in the box**************My dental insurance covers cleanings and x-rays. It covers fillings, crowns, root canals at 80%. No deductible, just copays. We have our family covered (2 adults, 2 kids).