Private Health Insurance for dental

[mrsmac]

We are with teachers health which has been great except orthodontic. We only get $1800 back in a lifetime per person after 3 yrs member ship and I think the max even after many years is 2K. Considering DD2 has just embarked on her orthodontic journey and is up for 2,800 and that's BEFORE the braces when she is 14 its not much. According to friends not many funds pay much for orthodontic sadly.

[Traveller]

Thanks everyone, you have given me a lot to think about.

At the moment I am thinking a credit card and savings account might be better than a health fund, but I will look some more before I decide

xx

[Trillian]

Traveller, that was always our plan too - have a slush fund of sorts to pay for things like that because we couldn't see the benefit of PHI for the little you get back. So we only have PHI because it is a corporate plan paid for by DH's work. Your kids are only little yet, so you have plenty of time in theory to save up for potential ortho work and anything else that may pop up.

[Bathsheba]

The 2 scale and cleans per year per family member is only one of many services we get 80% off under our plan... it also includes fillings and other procedures like sealing (our two eldest have had their molars sealed to prevent decay). They are the only services we've had to use so far.... oh and x-rays (covered). The best thing i like is that just swipe my NIB card and it tells the receptionist how much they will cover and the balance (it's called HiCaps i think)... usually walk out of the dentist paying only about $20... if we had no PHI I'd be handing over at least $100 per visit and with 5 of us going now it seems that we are there every month. Our dentist also gives us a little "show-bag" of items including a Colgate brush/ toothpaste/ floss each visit which also saves us a little.