2squared Posted November 14, 2012 Share Posted November 14, 2012 We don't have dental insurance purely b/c I can't see how it would benefit us. Dh's civilian employer offers coverage as does the Air Force Reserves. Neither makes economic sense to me. Even with a family of 7, the insurance premiums + co-pays + uninsured items would be more than we actually pay out-of-pocket with no insurance. Quote Link to comment Share on other sites More sharing options...
fairfarmhand Posted November 14, 2012 Share Posted November 14, 2012 Youngest is just finishing her phase 1 (12 mo, ~$3k), middle dd will be starting her 20-24 month adventure in Jan (~$5k), then youngest gets phase 2 (~$5k). Our insurance will pay a total lifetime amount of $1500 per kid--that helps. Still, it's expensive. Dh informs me that the max allowed in a health care reimbursement account has been LOWERED to $2500 per year, which doesn't even cover braces much less all of the other medical expenses we have per year. I need to look into what changed and write an angry letter to someone, maybe a congressman. yup. We knew about this last year and that is why we elected to have my dd's braces done this year rather than waiting 18 months. Quote Link to comment Share on other sites More sharing options...
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