I just got a notice from Hawai’i Dental Service telling me my current dental plan is being discontinued because it doesn’t conform to the Affordable Care Act’s requirements. I think that’s a bit of a fudge. According to the American Dental Association dental plans for children are required by the ACA, but plans for adults are not. Nonetheless, HDS is doing this. They’re offering me a new plan which will cost me $43.80, an increase of $14.66 per month.
But wait. What’s this? My former plan only covered $600 of expenses at dentists/periodontists in a given year. This new one will cover $1,000. It pays 100% of costs for cleaning twice a year. The old plan paid only 50%. The old plan paid 50% of the costs for crowns or gold restorations, once every seven years. The new plan pays only 30% but places no time limit on them (good thing, since I’ve got a cracked tooth and two crowns already. Who knows when I’ll need another one?).
All in all, the new plan looks like a better deal for the extra $176 per year.