Dental Insurance help

[LaDonna]

Has anyone ever used A Smile 4 U dental?

I'm currently trying to figure out wether to switch dental insurance. The two I'm looking at are the same cost, but under Orthodontia one says

FIRST OPTION

Full Course treatment 50% no deductible
Lifetime Ortho Max, if applicable $1,000 per person

SECOND OPTION:


Full Course treament $500 copay, $0 start up fee
Lifetime Ortho Max, if appl. No maximum




am I confused in thinking the second one will only cost me $500 total for braces?????? And the first one says 50% but not over $1,000, does that mean if I get $5000 braces they only pay $1,000 of it......

the only downside I can see with the 2nd option is they do not cover sealants, but it says $0 copay for basic services like fillings whereas the 1`st option only pays 80%. The 2nd option also says 3 cleanings per calendar year v/ 2 with the other, and ful mouth xrays are allowed every 2 years on the 2nd option and every 5 years on the first....


I'm sucha dummy when it comes to this insurance stuff!

 

[Plumeria9]

I can't tell you anything about the dental ins., I don't have any! But I have 2 cents for the sealants. I had them put on my DD9s molars a few years ago, as they recommend these days. Earlier this year the dentist found cavities in 2 of the molars because the sealants had cracked and let in bacteria, etc. to create a cavity (plus it's trapped in there). We don't eat any hard candy, gummy candy, sour candy, etc. and swish w/ water after eating/drinking ANYTHING. The dentist did not have a reasonable explanation as to why this happened. She would have been better off without the sealants and brushing well. No more sealants for us.