Saving Money at the Dentist
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When I was laid off, we made a scramble to find insurance. When we finally found something, there was the option of dental insurance for an additional $75 a month. They claimed to cover 100% of cleanings. Sweet! We signed up.
A month later we went to the dentist. I had a cavity that had to be taken care of and the rest of the family got their teeth cleaned. All seemed good and wholesome until about a week later when we got a call from the dental office. Apparently our dental insurance only covered 100% of what their fee schedule deemed an appropriate cost for a cleaning… $15. I’m sure that barely covers the cost of the supplies at the dental office, let alone the cost of the hygienist, the cost of running the office and of course the dentist himself.
To make a long story short, we were stuck with a bill for $675 (most of which was the cost of my fillings, of which the insurance only covered about $20). Needless to say we canceled the dental portion of our insurance. $75 a month to cover about $60 bi-annually just didn’t make sense. It has made us a little more determined to take good care of our teeth though…
I was thrilled when I came across this article on wisebread.com, “Avoid Big Dental Bills with Safe and Inexpensive Products.” After a little research into the article I found Dr. Ellie Phillips’ dental program in dental hygiene. Here is the cost break down…
CloSYS……..$10
Listerine……$10 (this was bought at Costco for two large bottles)
ACT………….$4
Toothpaste I already have, but I did see some regular Crest toothpaste at the dollar store last time I was there.
$25 for about 2 months worth of dental hygiene products, not bad compared to $75 in bogus dental insurance. Now the big test will be whether it saves me money at the dentist… only time will tell! I’ll let you know!
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