WDWWT?

MinM · July 2012

Is dental and vision insurance only for 'when you need it' or for routine care of mainentance of your teeth and eyes (ie, check ups)?

*Barbie* · July 2012

for routine care. hopefully with routine preventitive care in those areas (especially teeth) you can prvent a whole host of more serious problems in the long run.

AuntFlo · July 2012

My dental pretty much only covers the routine/maintenance stuff and then gives you a "discount" for the big stuff.

dharmabunny · July 2012

I don't have vision since I don't wear glasses. But dental is pretty much full coverage for preventative. The more expensive the procedure, the less generous the coverage.

Wzz · July 2012

routine, plus some.

for my dental, i get full coverage for exams, xrays, extractions and cavity fillings. everything else is covered on a scale - somethinglike 85% and 50% coverage for certain things.

dental is damned expensive even with insurance for major work.

i am not sure how vision coverage works for people who don't need glasses. we get exams every year and we're covered for a specific amount towards lenses or glasses.

zsazsa-stl · July 2012

Every plan is different, you will have to read.

At most places H and I have worked, the vision "insurance" was really just a discount plan. And if you go to a chain place with frequent sales for your glasses, you don't really need it. I like that our health insurance here pays for one eye exam per year so there is no temptation to buy into the vision plan.

6fsn · July 2012

I don't look too closely at vision insurance, but generally say it's not worth unless you have VSP. Also check your medical coverage because sometimes that will cover a portion of an eye exam.

Dental is usually worth it for your routine care and if something should come up. We always opt in for that.

Heffalump · July 2012

dental = routine

vision = never, for me

DG1 · July 2012

We found a workaround for vision last year, but we don't have it this year & probably won't for quite a while. Zsa is right about the discounted exams (I was just at walmart & saw a sign for a $48 exam). And now that I've found eyefly.com, zenni optical, warby-parker, etc, frames & lenses can be damn cheap, too. I'm sure there are similar discount options for contacts.

Now dental I am all for. We just do 2x/yr standard visits, but we definitely save money on that by using the dental plan, especially after factoring in the annual x-rays. And yes, proper dental care can prevent a host of other problems.

MinM · July 2012

H and I had a long discussion about this. He has not used his insurance benefits in seven months. I say that is wasting money. He says no, because insurance is only "for when you need it" which I take to mean, emergencies, like auto-insurance.

But I said no, you need to care for your eyes and teeth (he wears glasses).

Sometimes I wonder who raised this man? Like, really?

*Barbie* · July 2012

He should be going yearly for vision checks if he wears glasses - more often if he is having an issue.

My sister's eye doctor actually helped diagnose an issue that she was having with headaches, etc. He saw a problem during her routine exam and told her to get to a specialist immediately. She was having a reaction to long term antibiotics that could have been serious (eventual blindness) if not caught.

We only pay $10 for yearly exams with vision (DK wears glasses/contacts, I don't) and nothing for routine dental exams. Other dental work is on a % scale based on what it is. DK's company pays 100% for his insurance (family plan), so it's worth it for us to have. I had a small premium when i covered the two of us, and still thought it was worth it.

tawillers · July 2012

Our bodies are not automobiles. You can't replace them when they get fcked up.

Routine care is mandatory at my house. I force my husband to get this schit done (he believes it's important, but has a hard time finding time to do it).

6fsn · July 2012

My sister has diagnose diabetes, infections, heart problems, and even a stroke that occured when the patient was in-utero. Eye exams are important for a lot of reasons besides glasses and contacts.

NOLABridesmaid · July 2012

I've had some eye issues, so I have vision, and y'all already know how I feel about the British. So, ditto on dental too.

thejucheidea · July 2012

My dental covers twice yearly exams and 80% of any procedures performed. I don't have vision because I don't have any eye issues, but whenever I switch from my insurance to my boyfriend's (who works for a massive corporation as opposed to my local medical practice), I might get vision just for the hell of it.

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