I don’t do things based on when I bring things in…instead, I have a habit of two or three bags of stuff to salvation army every month. I have no idea how we still have stuff in the house, except that we never got rid of things when we were I our 20s :). Also, I sneak my husbands clothes it sometimes…he got 10 UGLY shirts from my father in law a couple of years ago, and refused to get rid of them, though he would never wear them. I got rid of them slowly, one per trip in the bottom of the bag, and he has never asked about them. Sometimes I wish someone would get rid of my stuff when I’m not looking!!!
Perhaps this is why it isn’t working for us. my little guys are just reaching the point of sealants, so perhaps that’s why i disregarded bc/bs. they are our health care insurance carrier, although with my surgery and biopsy last month, i’m still looking at a couple of thousand dollars out of pocket.
so, my next quesiton for you, is what is this new part time job of yours? congratulations for scoring this! are you still working with your husband in your family business as well?
When I looked, things like crowns wouldn’t be covered unless you’d had the plan in place for a year, and there was a bunch of other odd things that just didn’t make financial sense to me (although, for the life of me, I can’t recall what the issues were). I do know that my son takes medication that messes with his mouth. We had $5000 worth of dental surgery for him last May, the dental insurance would not have covered a lot of what he needed in dental care. Fortunately, we convinced our health care providered to cover some of the expenses since the problem has been pinpointed to the meds he has to take. I’ve simply decided to self insure and have a weekly amount auto drafted into a Capital One account specifically for dental needs, but I’m open to learn of something that may be beneficial, and cost effective for our family.
If we all get our teeth cleaned at $186 a person twice a year it is $2976. The dental plan even with the expensive plan is $1500 a year. So I would save close to 50%. Finally somewhere it pays off with money to have a big family.
and when we compared the cost of the coverage versus the cost of the service, it didn’t make sense to buy the independent dental insurance. If you find something that does, please pass the info along. We pay in the ball park of what you’re paying for our children as well.