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What do you pay for family dental insurance?

My husband's company wants to charge us $21/week for dental insurance. I would assume they are charging us 100% of the premium. It only covers $1000 per year. How can a dental insurance company charge over the amount that they cover. $21 per week would cost $1092 per year. I'm just really pissed off right now. I thought it was a mistake at first, but turns out it's not. Deductible is $50, $1000 is the total coverage. Most things are only covered 60%.

Public Comments

1. it might be that the deductible is $1000? Saying you have to pay that amount before the insurance pays 100% of the total. edit: You can run a free dental quote here to get an idea http://medical-ins.com/
2. I pay about $46 per month for my daughter and myself.
3. That's $1,000 PER PERSON. Plus you get the network discounts for the dentists in the plan on top of that. $80/month is pretty cheap...$110-$130 is what a plan would usually run (depending on your state/zip code). They're likely contributing either not at all or very little. If it's 100/80/50 (preventative/basic/major) then that's normal as well.
4. well we pay $120 a month that is only for my husband and me, but it covers 90% and that includes whitening treatments, crowns, bridges and everything else, our deductible is $500