If you want to read about Saff & Grenz instead.

Free Movie Theatre showing

20 10 2011

Across Canada, Cineplex theatres are having a free morning showing on Saturday, Oct 22nd for a variety of movies and snacks are just $2 each; proceeds go to the Starlight Children’s Foundation. Check out the promo listing page to find your nearest theatre and the movies that are going to be playing.

Movies I've watched recently:

Movie ratings archive »

Is Dental Insurance worth it?

18 10 2011

I wanted to figure out at what point it’s better to have dental insurance for the family vs. just paying with cash as I don’t have any coverage with my work; so here goes.

I was basing it on Blue Cross’ posted rates for a family ($783 + $100 deductible). They pay out 60% of the cost in the first year (70% in second and 80% after that) up to a maximum of $500 per person per year in year 1; $750 in year 2 and $1000 in year 3.

For the four people in our family, we would need to pay the dentist an average of $368 per person in the first year to break even against paying cash (up to a total of $833 per person). On Year 2, we would need to average $315 to a max of $1071 and on year 3+ the average would need to be $276 with a per person maximum of $1250.

It seems like you’d need to spend a lot on dental in order to make this work but maybe having insurance would make your dental hygiene more of a priority and less of a problem down the road. Also, if you kept it around for a little while; in Year 3, your whole family insurance can be worth it for one person’s big bill.

Here’s the spreadsheet that I did my calculations on