Online Now 3072

FBS Independents
Notre Dame
CAA
Old Dominion
CONFERENCE USA
ECU
Sun Belt
Georgia State
South Alabama
SoCon
Appalachian State

Professional
Tennessee Titans

The Blue Board

We aren't just committed to college football; we're early enrolling in it.

On this Board 2088
Record: 7394 (2/14/2012)

Online now 2992
Record: 18710 (2/25/2012)

Post a New Topic
Back to Topics
Sigs off
My boards ▾
Jump to a board I follow

You have no favorite boards.
Follow board
Follow board

Follow This Topic
5 votes needed to rate this Topic
Pages: 1 | Refresh

Is Dental Insurance Necessary?

- Reply
- Quote
- Rate Up Rate Down
6 months ago via 247Sports Mobile

I go twice a year for cleaning and x ray n thats it. It would be cheaper to pay out of pocket.
Major stuff like root canals are barely covered anyway. I'm thinking about dropping it next year.
Anybody else already doing this?
ReasonableDoubt ●
- 5 stars
  Rating: 84
  1872 votes total
- Letterman
- (2301)
- 27 months
- Send Message
- Follow User
- Ignore User
- Reply
- Quote
- Rate Up Rate Down
6 months ago via 247Sports Mobile

ReasonableDoubt said...
I go twice a year for cleaning and x ray n thats it. It would be cheaper to pay out of pocket.
Major stuff like root canals are barely covered anyway. I'm thinking about dropping it next year.
Anybody else already doing this?

Great question and out of all due respect: Hell no! Absolutely not. All it takes is a bad car accident. Really!
Man_A _War
- 3 stars
  Rating: 60
  980 votes total
- Letterman
- (1887)
- 17 months
- Send Message
- Follow User
- Ignore User
- Reply
- Quote
- Rate Up Rate Down
6 months ago

rolBAMAballs said...
If you are single probably not a big deal. Family it is necessary
Plus if you have kids and your insurance covers a portion of orthodontia then it's an absolute must

This^^^
If you are single however, most dentists are more than happy that you're paying cash. They give discounts, and if you need a procedure that you cannot cover in full, a lot of them will work out payment plans. This has been my experience anyway.
Yeah, I said it.
shalvoy
- 5 stars
  Rating: 95
  6473 votes total
- Starter
- (9412)
- 27 months
- Send Message
- Follow User
- Ignore User
- Reply
- Quote
- Rate Up Rate Down
6 months ago via 247Sports Mobile

I'm not single but I have a small child. My wife, child n I go to dentist regularly n brush regularly. Even if one of us gets a cavity, I can't see it being worth paying nearly $100/month for family coverage.

This post was edited by ReasonableDoubt on 11/19/2012 at 2:56 PM
ReasonableDoubt ●
- 5 stars
  Rating: 84
  1872 votes total
- Letterman
- (2301)
- 27 months
- Send Message
- Follow User
- Ignore User
- Reply
- Quote
- Rate Up Rate Down
6 months ago

I'm single and its so cheap i just pay it. Its like 10 a month and makes me feel better knowing that i wont have to come out of pocket if something were to happen. I get about 1/2 of all the money i spend on my cleanings which comes to about 120 so I think its a wash and a net positive if i needed some serious work.
farlow7
- 4 stars
  Rating: 80
  630 votes total
- Jr. Varsity
- (539)
- 27 months
- Send Message
- Follow User
- Ignore User
- Reply
- Quote
- Rate Up Rate Down
6 months ago via 247Sports Mobile

I pay $39 for each visit twice a year. Insurance would be a waste.
Simply the best
CrimsonD247 ●
- 5 stars
  Rating: 84
  2325 votes total
- Back-up
- (4790)
- 27 months
- Send Message
- Follow User
- Ignore User
- Reply
- Quote
- Rate Up Rate Down
6 months ago via 247Sports Mobile

rolBAMAballs said...
Wow. That seems high. Dental overage at my company is like 15 per month for family

I'm at the wrong company then, lol. This ish is $90/month for spouse n children. It pays for darn near everything but I dont need anything extensive.
ReasonableDoubt ●
- 5 stars
  Rating: 84
  1872 votes total
- Letterman
- (2301)
- 27 months
- Send Message
- Follow User
- Ignore User
- Reply
- Quote
- Rate Up Rate Down
6 months ago

A lot of Dental insurance caps out at like $1,000 a year is the max they cover. If that is the case then its not worth it.
Sir Mix A Lot ●
- 5 stars
  Rating: 92
  10034 votes total
- All Conference
- (10646)
- 27 months
- Send Message
- Follow User
- Ignore User
- Reply
- Quote
- Rate Up Rate Down
6 months ago

Dental is a free benefit at my job, but even if it wasn't, I would still pay for it. Along with the covered preventative care, I'd never want to be in need of insurance in case an unforeseen accident occurs.
GONIG BUCK
- 5 stars
  Rating: 85
  2285 votes total
- Starter
- (5293)
- 27 months
- Send Message
- Follow User
- Ignore User
- Reply
- Quote
- Rate Up Rate Down
6 months ago

It's all fun and games til you are carrying your kayak down your decks stairs, slip, and then bust you ass all the way down. Nothing like waking up with bruised (thought broken) ribs and chipped teeth that need caps. Not fun to pay for without insurance.
Weedline ●
- 4 stars
  Rating: 64
  8889 votes total
- Recon Team Alabama
- Starter
- (7105)
- 27 months
- Send Message
- Follow User
- Ignore User
- Reply
- Quote
- Rate Up Rate Down
6 months ago via 247Sports Mobile

Thats about typical for comprehensive dental insurance for a family. Each company has different rates in each state and more specifically each county. For three individuals with BCBS dental would be around $30-$35 per person. Usually includes one year waiver for major dental procedures. Be careful on what is classified under major procedures. If you are prone to mouth disease of any sort(periodontal, gum, etc dental ins is more than worth it. It's necessary.
lbrown8653
- 5 stars
  Rating: 93
  147 votes total
- Freshman
- (141)
- 27 months
- Send Message
- Follow User
- Ignore User
- Reply
- Quote
- Rate Up Rate Down
6 months ago

Under 40 yo not so much but after that your teeth start to break down even with the best of hygiene.
Other than cleanings I went to the dentist maybe 5 times in 45 years and now it seems like I go for major work twice a year.
I have $2K in coverage and still spent over $1K out of pocket this year.
Looks like another perfect day.
Under Review
- 5 stars
  Rating: 85
  1315 votes total
- Walk-on
- (2777)
- 21 months
- Send Message
- Follow User
- Ignore User
- Reply
- Quote
- Rate Up Rate Down
6 months ago via 247Sports Mobile

If your a resident of Alabama you probably don't need dental
LScootU
- 4 stars
  Rating: 67
  11172 votes total
- Knowledge is knowing a tomato is a fruit. Wisdom is not putting it in a fruit salad.
- Heisman
- (31129)
- 27 months
- Send Message
- Follow User
- Ignore User
- Reply
- Quote
- Rate Up Rate Down
6 months ago

LScootU said...
If your a resident of Alabama you probably don't need dental

If "your" a resident of Alabama then you probably know that the word you were looking for is "you're". As in "you are". I will use your version in a sentence you can understand. "Your coach is a moron and your fan-base is full of jealous haters." Hope that helps.
spenceco ●
- 5 stars
  Rating: 88
  1435 votes total
- Varsity
- (1266)
- 27 months
- Send Message
- Follow User
- Ignore User

Post a New Topic
Back to Topics
« Previous Topic
Next Topic »
Boards ▾

The Blue Board

We aren't just committed to college football; we're early enrolling in it.

247Rumors

College football scuttlebutt and scoop- powered by Football Rumor Mill

The Green Board

Where the madness isn't just in March.

Big Ten Board (Beta)

Football Recruiting

Basketball Recruiting

Features

Resources

Connect

247Sports In partnership with CBS Sports