storpappa wrote:Walking into the pier dental clinic at lunch and asking if they are busy and geting a monthly cleaning FTW.
On the CHAMPVA side, MetLife Dental is better then the private rate, but only so much. Most private dental plans are little more then prepayments for a benefit in 13 months. Better to put it in a mutual and pay as you go --- unless you have kids
My firm also has a pre-tax health care savings plan that I considered using in just this way (putting what I pay in dental premium into the HSP). But the problem is, you have to spend the $ in the year it's deposited or it's forfeited. (Crap rule IMO). My wife is getting close to needing some perio surgery, but we don't know if it'll be 2015, 2020 or somewhere in between. So we're stuck paying a bit more in premium than we get back in actual services purchased, but we will make up for it in the long run.
So, we put $20 bucks into the HSP each month to pay for co-pays. And if we have a balance at the end of the year, my wife just gets new glasses for Christmas! (And we're living large on the tax avoidance on $240 a year!