A Personal Story: Premiums Not Affordable – J. Lisa, Woodstock

J. Lisa lives in Woodstock, Vermont. This is her story:

I asked my employer to carry dental insurance to allow employees the options of having dental insurance. The employer agreed. When I started the policy it was about $400 per year for coverage. The monthly premiums were withdrawn from our paychecks. I stopped carrying the policy last year the premium was nearly $700 per year.  It was no longer feasible.

My dentist told me I needed four crowns. Each year I would budget one crown; that was all the policy would allow per year. The policy only paid 30% the first year, 40% the second and 50% from then on. Out of pocket cost was at least $500 per crown. Once all my major dental work was completed, it made no sense for me to have this policy. It was too costly. Now, I pay for all necessary dental work out-of-pocket. Keeping services to a minimum. Hoping that if I can go two years without anything major, that will equal what I would have been paying in premiums.

    Leave a Reply

    Please type the characters of this captcha image in the input box

    Please type the characters of this captcha image in the input box