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This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

Content is the opinion of the author and does not represent the position of any other person or entity. Information is from sources believed to be reliable but cannot be guaranteed.

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Supplemental dental insurance

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If in doubt, please send a new question or ask for an update.

Q: I have Delta dental insurance and about 3 years ago got dentures an upper plate specifically. I broke a tooth and am told my insurance doesn't cover repairs to dentures it's $269 for a replacement! I was wondering if there is a supplemental plan of some type I might join that would cover Denture repairs?

A: Dental insurance restricts benefits for pre-existing conditions and therefore would not be a good option. Besides even if it were covered, the cost of the additional insurance would be much more than the amount of your relatively small $269 out-of-pocket cost. Remember that dental insurance is specifically designed to ensure that the amount of the premium is always larger than the amount of the benefit. Instead, consider a dental discount plan like . Better yet, talk to your dentist and ask what financial arrangements are possible. This will be far better than buying dental insurance. Remember that these dental costs can be covered by a Health Savings Account (HSA) or Health Reimbursement Arrangement HRA) on a tax-free basis. If your employer does not offer these options, you may wish to suggest it.


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