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EddieRyanDC t1_j6jp7vl wrote

In my experience, dental insurance is mostly a joke. What we need is insurance for major out-of-pocket expenses - root canals, tooth replacement, oral surgery. What it provides is checkups, an Xray, and discounts for cavities. Yeah, thanks - but I can mange those out of pocket.

All of that to say, look carefully and see if changing or waiting for insurance is worth it. You might just need to go ahead and do what you can afford today, and then more as you can save up.

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drfranff t1_j6jsw8m wrote

Yeah, came here to say this. Dental and eye insurance are both a bit scammy, in my experience.

OP, I'd start with finding a good dentist and getting their opinion on what is most important to do now vs what can wait a little bit. I don't think it's uncommon for dentists to offer lower prices for out-of-pocket payments rather than trying to go through insurance, and I do think a fair amount of places offer in-house payment plans. The insurance racket is kind of a nightmare for them, too, from my understanding.

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