Dental benefits running out soon, can someone help me find the best new plan?

[ilovecoupons23]

Hi everyone,

I will be cut down to a part time position instead of full time so I will lose my benefits

I was wondering if anyone had any suggestions of what is a good benefit plan to cover mostly dental, maybe some prescription drugs, orthotics and possibly naturopath if it's a reasonable price.

Mostly I am concerned with the dental benefits (no orthodontics)

I am 27 years, no pre-existing health conditions, single & no dependants.

So far I have looked at Manulife Flex-Care & Blue Cross …Blue Cross seemed pretty reasonable, but I wanted to see if there was anything better out there?

Thanks for any advice anyone can offer, I really appreciate it

[Frugalbigmama]

Will your company not let you stay on and pay for them? (if its cheaper) I know mine cost quite a bit so not sure If I would stay on them if I had to pay.

[anastasia1009]

some of my patients who were covered under work and not being covered anymore have this plan
http://www.plandirect.com/availableplans.html
you have to have similar coverage in the last 60 days?

[Retiree]

It is my understanding that dental benefits are often the most expensive part of a benefit plan. When I did some project work for the payroll department of the local school board, they put their retirees on pay direct benefits. There were those who were struggling to meet the payments. When they asked for advice on which benefit(s) to drop, we generally advised them to give up the dental benefits. The rationale was that, although dental work is expensive, in most instances it can be budgeted for.

[ilovecoupons23]

Thanks so much everyone for your suggestions, I really appreciate it! I'm going to spend the next couple days researching

[xlxo]

Without a plan? I would ensure to brush and floss daily.

[Livelyone]

I agree with Retiree on considering giving up the dental benefits. I personally have done so and have been just fine going to dental schools to have work done and taking advantage of dental discount programs.

[Ciel]

http://www.caasco.com/Insurance/Pers...Insurance.aspx

There's mention of a FollowMe plan option for CAA members whose employment status changes within past 60 days.

Like other SCers mentioned, you can get reduced price cleanings at dental clinics held by students or time visit to free dental hygiene days (usually Feb in Hamilton area and maybe October-a specific Sat morning and part of afternoon; they are first come, first served).

Unless you have other income to replace the income you'll be losing from work, you may be better off to pay as you need to like the rest of us without plans. Check your local healthcare providers and competing providers for open house days/promos, new healthcare centre openings (check their social media pages for promos too) as well as health food stores that bring in naturopaths to speak at their workshops/evening talks. Never know where you'll find a deal-some dental offices might have recall specials if patients have not been for a checkup/care in a long time. That helps too (as I have discovered this summer).

[tcorbs]

You've probably heard of CAA Insurance, but may not realize they offer health & dental insurance. I think you should definitely check them out.

[maggiespice]

Without a plan? I would ensure to brush and floss daily.

I most certainly agree!!! However, there are things that are totally unavoidable that one must go to the dentist for. Just the other day I somehow chipped my tooth, and it's not like a tiny little chip, no, no, no, it just had to be a huge chip! Now I have to get myself in to see my dentist to get it fixed. I simply can't go around like that. ......(just ranting! LOL!!!)

[tcorbs]

Have you decided who to go with yet?

[tcorbs]

CAA Health & Dental Insurance offers plans for every life stage, totally customizable based on your needs. There are so many plan options so instead of recommending one for you, I would go to the site and put in your information to get a basic view of what they can offer you.