Hey ya!
Who here as dental through TriCare? I'm looking at adding it for myself which would be around $11/mo (unknown if there is a deductible) and I'm wondering if it's worth it. After eating a ton of Christmas baked goodies I'm thinking I should get a cleaning and exam to make sure I don't have cavities. I also have 2 permanent retainers that should be checked out to make sure they are secure etc.
Disclosure: I'm really bad about going to the dentist regularly but want to start being better about with the New Year coming up.
Let me know your thoughts
Re: Dental- is it worth it?
It's through United Concordia, and I think it's worth it because I don't have any other dental. The coverage depends on your sponsor's rank, but is roughly 40-50% of major work I think, and gives you 2 cleanings a year.
I needed a crown on one tooth, and a root canal and a crown on another. I maxed out my coverage between these 2 things, plus paid over $1k out of pocket as well. I didn't even do the crown in the root canal tooth yet because I didn't want to pay more out of pocket. However they were both necessary when I received them because of pain in one and a chipped tooth in the other, so I'm definitely glad I had the coverage. Hopefully once I start teaching again I can get coverage through the school district too.
If there is a deductible and doesn't cover a lot I might as well pay for the cleaning OOP. I have never had dental insurance and been just fine so that's why I'm asking.
I get that. I did some rough numbers, and if all I need is cleaning it would be a little less than the insurance, but I think the extra is worth it JIC.
With me not working right now, I'm double checking all my expenses.
Coverage isn't awesome, but it's still a ton cheaper than paying OOP.
I just got screwed with their coverage of my implant, but even then, the amount they covered was far less than my year of premiums, and that's without counting in cleanings.
Better tha I thought!