sniffles
First Post
Never assume that just because your teeth seem okay now that you don't need to have dental insurance if you can afford it. Several years ago I managed to fall and break a tooth, and I was certainly glad for my dental insurance then!LightPhoenix said:Honestly, at our age (I'm twenty-six) I really don't think vision and dental are that big of a deal. I've only used my dental twice, for a yearly cleaning, and I don't take care of my teeth nearly as well as you do. So honestly, not having actually looked at your teeth, I think you're probably fine without it. Just don't let them hit you in the face.![]()
Vision is okay, but it depends on how often your prescription is changing. If cost is very much an issue, keep in mind that you do have your glasses, and they don't get worn out nearly as much as your contacts. If your prescription isn't changing from check-up to check-up, I would personally just keep the glasses.
Everyone that said shop around is absolutely right, but also make sure to get recommendations. Getting something cheaper doesn't always work out as well. I actually recommend avoiding the chain-dentists, but I recommend the opposite for vision. Also, check with your union, they may have some options and probably have experience with this.
Vision insurance also comes in very handy. It can help take care of broken glasses or lost contact lenses as well as eye exams and new prescriptions. Your vision can change at any time; it doesn't necessarily have anything to do with your age.
ssampier, if your new employer has a disability insurance plan I would recommend you sign up for that too, even if you have to pay for it yourself. Statistics show that 1 in 5 people will have a disability (meaning an illness or injury that puts them off work longer than a week or two) at some time in their lives. I can attest to the accuracy of that, too; I was on disability myself for a year, and I've known several other people who've been disabled for long periods.