How much does dental insurance cost?

  • by sara
  • Apr 17,2017
  • 6 answers

I am working with a company and I got Humana dental through my employer. I am paying 10 dollars out of my paycheck.. for cleaning within network it's 100 percent deductible and 80 percent deductible outside the network.. is it worth it? Or no.. on top of that.. I get 200 from my employer each month put into a debit card.. what do u think?


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Insurance Answers (6)

ALR 4 months ago

If you are paid 24 times a year then your dental premium is $240 a year. If you incur more than $240 in dental expenses a year then you have a good deal. Dental procedures are expensive so it is likely a good deal to continue with your plan. One thing you should check is the annual maximum. If the annual limit is less than $1000, it would make more sense to set aside a certain amount in your savings that you earmark for future dental expenses.

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Casey Y 4 months ago

That's about right for dental "insurance." Its only worth it if you actually have issues that need treating. If you generally maintain your teeth well, meaning nothing more than a cleaning, for a long time, you should be just fine without dental insurance.

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Robt 4 months ago

Good deal.
Try actually asking local educated adults for actual answer locally

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efflandt 4 months ago

It may not be worth it if you have good teeth, but might be worth it if you have bad teeth. If you pay $10 per pay period for it and are paid bi-weekly that is $260 per year that you are paying into it. Do you spend that much on dental care per year that would be covered.
I worked for 40 years without dental insurance. I have all of my teeth with no fillings except one molar that I split 4 ways on a piece of bone in a hamburger (BK Triple Stacker), and that was a one shot deal of something like $240 at age 55 to extract the tooth. If I had dental insurance I certainly would have paid much more than that into it for 40 years. I am going to be 65 next month.

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StephenWeinstein 4 months ago

Dental insurance typically costs $10-20 per month.

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Judith 4 months ago

I am 71; have Delta Dental via AARP - it is costing me about $60 a month. And for me it is worth it since I've always had bad teeth and every year it seems I need to replace at least one cap at a cost of over $1000. My share of the cost is around $600 but the insurance covers most of my regular check-ups, x-rays, etc.
If you have healthy teeth and only go in for check-ups twice a year, it might not be worth it. Figure it out for yourself. Then again, if you are in an accident and you lose some of your teeth, you will wish you had it.
That's what insurance is all about. Paying for something in hopes that you won't need to use it.

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