Extra's cover - is it worth it?

[SammyRo]

We don't have any health insurance atm, but I'm wondering whether extra's is worth getting or not. DH wears glasses, but his prescription hasn't changed in 4years so he's still on his first pair of glasses and he gets one 3month prescription of contacts per year to last the hockey season. Otherwise, the only other thing I can see us using it for is dental. I'm well overdue a visit and know I need at least one filling but I keep putting it off (which I know is bad, but I hate the dentist )

I know that normally there's still some sort of gap to pay, so is it financially worth paying the premiums and the gap, or just paying the bill out of our own bank account iykwim. I'm guessing if its a big bill, then the gap would look better, but last time I had a filling, it was only around $200 which to me, doesn't seem to be worth paying x amount of dollars every month to not have to pay part of that bill.

I hope tthe above makes sense!

[Olive]

in a nutshell....dont bother!!

[Beatrix]

I use my extras ALOT

I get two free pairs of glasses a year and so do my kids, 2 out of the 3 actually need them also.. plus i can use it for physio and chiro, which are great for injuries.. (maybe with your DH and his hockey physio would be a good investment)

I pay about 60 a month for this (family cover) and its only for extras and ambulance cover (which is a MUST IMO)

[Trillian]

It has been a godsend for us. We claim for all of our chiropractic treatments and any remedial massage therapy we have - we get 80% back so it makes a huge difference when there are 3 of us having semi-regular chiro! Plus DS needs a new pair of glasses every year because he either grows out of the frames or he ends up bending them. And that's not even going into how much the dental cover has saved us!

BUT, if we didn't have any need to use those things then it wouldn't be of much use to us at all.

[Olive]

i agree that if you use those things definatly consider it, but for sammyro's requirements id say no!!

[ladybird11]

We are an Extra's household too - DH's contacts / perscription glasses; we both use it for chiropractor and I use it for the physio should I get injured through exercise , dentist / acupuncture - just coz we have the cover and it only costs me $8 per session......ah I love extras!

I agree though, if that's all you would need it for I wouldn't bother either.