Quote:
Originally Posted by hayduke's dad
We have a flex benefit plan. I can choose on how to cover my family on medical and dental. A few years ago I figured I would save some money by not covering my son on dental as he was young and shouldn't need a whole lot of work. A cleaning and checkup was about $400 cheaper than adding him. I lucked out by being able to add him after the cheap checkup revealed 10 cavities and a cap. Quite a change in 9 months. Almost cost me $1800.
I now pay the top coverage for my family of 5 dental and medical. We don't come close to using what I pay but I would rather overpay than get nailed later on 1 sickness that could cost thousands in perscriptions and hospital stays.
|
I just went through a similar experience. My son turned 2 last month and thought nothing about getting his teeth looked at until one day my wife noticed his front teeth had discoloration on them. We took him to the dentist and before you know it we're told he needs $3000 worth of work.
He had to be put out by an anesthesiologist ($835)
His 4 top front teeth had baby root canals
His 4 bottom front teeth had to be filled.
He also had 3 molars capped.
My work covers about $2000 of the expenses. The one thing they won't cover is the anesthesiologist for $835. The loophole is though, that if he was under for over an hour, Alberta Health Care will cover that cost and he was under for longer then that so hopefully when we get the bill next week they will cover that. Then I only have to pay ~ $170 out of pocket for all that work.
My work has a pretty good flexible benefit program that is 100% paid by my employer.
With the $2000 they are covering with his teeth up front I'm already way ahead.