Does this sound good or more like a rip off?

Question

plan is $50 per month for two people and 75 for family, $50 deductible probably a small application fee but not sure...

Preventive
Dental Benefits Routine exams, teeth cleanings, topical fluoride (children up to age 16).
3 month waiting period. Plan Pays
100% after 3 months waiting period...

Basic
Dental Benefits Fillings, X-rays, simple extractions.
No waiting periods. Plan Pays
50% 1st year
65% 2nd year
80% 3rd year...

Major
Dental Benefits Oral surgery (surgical extractions & impactions), endodontics, periodontics, crowns, bridges, dentures.
No waiting periods. Plan Pays
30% 1st year
40% 2nd year
50% 3rd year...
Deductible Per calendar year, per insured person for Preventive, Basic, & Major Services $50...
Maximum
Dental Benefits Per calendar year, per insured person. $500 1st year $750 2nd year $1000 3rd year
Basic and Major services are covered immediately.
The Option 42 plan is an indemnity plan

Answer 1

A dental visit is $60, $75 if you include XRays. Fillings are about $100 a pop.

This doesn't sound like a good idea to me.

Unless you have 35 people . . . figure, each person will SPEND $120 a year, and there will be two fillings, so a four person family will cost out of pocket, $680. Subtract the deductible - $50 per person, and half of each filling, actual amount they pay is going to be $380. Actual amount you pay in will be - $900. You're better off paying out of pocket.

Answer 2

Personally owned dental plans are not that great. The best dental plans are group plans, part of employee benefits. This one sounds about average.

Answer 3

I think you could do better...search for dental plans in your area..then compare.