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Dental price clubs: Should you bite?

from MarketWatch

Ben Popken writes, "There's really no such thing as dental insurance. With traditional health coverage, individuals bet they won't end up paying more in premiums than they get back. The insurer, on the other hand, bets that a policyholder won't have a catastrophe. Dental is different. For starters, the annual maximum payouts are low: $1,000 to $2,000. That means with pricey procedures, such as root canals or tooth extractions, one quickly ends up paying out of pocket. The actual risk the companies take on is pretty minimal, experts said. Even though regular checkups are fully covered, not everyone goes twice a year as recommended. Dental benefits providers pocket those unused dollars." more


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