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Strategies & Market Trends : Booms, Busts, and Recoveries -- Ignore unavailable to you. Want to Upgrade?

To: Taikun who wrote (53705)	9/26/2004 8:33:59 PM
From: Tommaso	Read Replies (1) \| Respond to of 74559

"Dental premiums contain huge overheads and over time, as long as you are not totally careless with your teeth (and this is something quite within one's control) you can avoid huge bills." That's not true. Dental insurance programs bank on people not wanting painful procedures (my own cynical analysis) or on being young enough not to need them. If you go ahead and have root canals and crowns year by year, dental insurance is a terrific bargain and furthermore you keep chewing with your own firmly implanted teeth. I have collected about 200% of my premiums (I guess it does have to be a group plan, but lots of those are avaiulable to many different groups). I am better off by thousands of dollars for dental insurance--and much of it tax free. Best deal was when we accidentally continued two policies --for my $2,000 of periodontal work I ended up with a PROFIT of a few hundred dollars.