Dental Insurance no one discussed before I Fired.
Just trying to give a few lessons learned that I learned today so someone does not need to learn this the hard way.
Long story short:
So, we are family of 4, and my Cobra is expiring in a month.
I got the HSA plan through CoveredCA, mainly because I already contributed my HSA in January and have to stay with HDHP.
So, Lession 1: don't contribute too early unless you really want a HDHP.
#2 It's hard to get good dental coverage. I think most of plans (if not all) you can find has 6 month waiting period and missing tooth clause. There is not much we can do with the missing tooth clause, but remember to get "proof of prior coverage" before your current plan expired so you can waive the waiting period clause.
I ended up canceled the dental plan I found from the exchange and bought from Delta for their PPO Premium plan (vs just PPO). It is a little bit more than what they offered on the Exchange (Maximum coverage $1500 vs $2000) for $266 a month (vs $188.x from the exchange), but I still need to submit my proof of coverage. It is such a hassle because it's an after-thought of the other insurance company (MetLife).
I wonder what's everyone else buying with FatFire lifestyle ? Do you just pay cash in full ?