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(opinion needed) Cigna Dental reduced-fee plan ?



Question:

I live in MA and wondering if joining this dental plan (140 dollar/year) makes any sense.

I need to do some fillings and my daughter needs a space maintainer.

I just got one white filling for 130 dollar.

Based on the published fee for the plan it would be 80 dollars.

Have no idea how much the space maintainer costs and how much savings will be offered!

Do dentisits respect te published rates?


Answer:

Those discount fee "clubs" are awful. They say they have thousands of providers, but if you actually check the listing for your area, you will find the same doctor listed 5-10 times. And, 80% of the doctors participating are in the same office. If you check around, you will probably find out that this office is not the one you want to go to.

No such thing as a free lunch. You cannot buy any plan as an individual which will pay you more than the premium dollars you put into it, and you cannot buy any club membership which gets you huge discounted fees where you can get the type of work done you desire at the office you want to go to.

Wait. There is., I am invited next Tuesday ........ its a senior investing seminar ......... if they use the word senior I am planning on vomiting on them.


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