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Posted by Avrum Lapin on January 31, 2007, 7:00 pm
For what it is worth I managed on $35/month between ages 56 (early
retirement) and about age 67 (Delta Dental became available for
individuals). This is in spite of having a filling in almost every
tooth. This covered cleanings, X rays, an occasional filling and a few
crowns).
I used to put a sum of money every month to cover large annual
payments such as auto insurance, vacations, dental etc
Delta Dental costs me about $35/month and covers about 40% of what my
dentist charges (50% if I used one of their dentists) but doesn't pay
over $1000/year. The last few years some of my 35 plus year old
fillings have begun to fail and have needed crowns and we are definitely
pushing the $1 k limit..
Fortunately no root canals or peridontal so far.
> Got hit with another big dental bill the other day (which
> will bring my total to around $3500 in less than a year),
> despite having fairly healthy teeth. That's my dentist and
> endodontist talking, not just me.
>
> Word on the street seems to be that self-indemnification
> competes well with the cost of dental health insurance. A
> relative of mine counseled that one should look at dental
> care from mid-life and longer like a car purchase: One puts
> in some big bucks for a year or so, and then is good for
> another ten years.
>
> What have people here experienced?
>
> P.S. The minor but expensive dental work at least improved
> my smile still more (ya, we're all good looking... ), and
> admittedly some of it was preventive maintenance. SoI think
> it was worth it. I just need to plan a bit more for this.
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