With the looming increase in our health insurance premiums just around the corner I am looking for ways to cut. One thing I am considering is the dental insurance I am currently paying for the kids. I pay $50 per month to cover the both of them through my dental insurance at work. It cost $50 whether it's one kid or more. DS will at some point (is it ever going to happen?!) soon be having his own dental insurance (or paying for it out of his pocket) and even if I left him on my insurance, I doubt he'll be using it anytime soon. He's out of the country and if he gets to come home for short few day visits I doubt I'd get him to spend the time to see a dentist!
So, basically I am paying $600 a year in dental insurance for one kid. The insurance we have has a $50 deductible (but not for cleanings). I looked up DD's last few cleaning appointments. For 2 visits this year, the charges totaled $393. She did have a sealant done one time (it had worn off a tooth I guess), but that is not the norm on her visits. That was $82. So if I had paid out of pocket this year, with no insurance, it would have cost me $475 instead of $600 in dental premiums. DS never made it to the dentist this year. He was in Australia the first 4 months and then the 2 months he was home he didn't get himself into see the dentist.
The insurance also covers a max of $2000 each year, so that is something to take in to consideration. I don't know, but it is also possible our dentist would take off a discount for a cash paying customer, so the out of pocket could be a bit less.
I'm not sure what to do. I haven't pulled the plug yet on the insurance. I do at least want to wait until DS has his ducks in a row and is covered through an employer plan. If he gets covered that way, I think I may drop the insurance on DD and just pay out of pocket for twice a year cleanings. If DS doesn't end up with his own plan, then I will keep both he and DD on my plan and just make DS reimburse me for $25/mo of it.