Dental Insurance - RANT
- Thread starter Donald
- Start date
Is it United Health Care that you use?
Doctors in short supply here too. 7th fastest growing county in the USA #1 and fastest growing county in North Carolina.
Im sure you can imagine, challenges. We just moved here this year, since then and before the MASSIVE amount of building is staggering. Yes, retirement heaven, so far.
2 weeks ago I had to have a broken tooth implant removed and bone graft. Bill was $2,966.00. Insc paid $1,392 which I think hit my limit of $1,750 for the year. I paid $1,714.00
IN three months, if all goes well with the graft. I have to have a new one put, I have to decide whether to stick with UHC, I was going to go to Aetna as their dental network is much larger but Aetna is $1750 next year and UHC is raising their dental coverage from $1750 to $2750
Choices are good, both plans have great perks, need to pick which one works best for me. I want Aetna until this tooth thing came up.
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- Jul 19, 2021
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Teeth are part of your body. Why isn't this covered under regular health insurance? This never made any sense to me why you have to have separate dental and vision insurance whenever the teeth and the eyes are part of your body.
JTK
$100 Site Donor 2025
My employer offers Aetna for dental that I cover my family of 6 under. $2500 limit per year, per person. Like said above, you have to use an in-network dentist or dental group to get the max benefit out of it. Luckily, the large local dental group we've been using has been excellent. A root canal and crown is about $1200 all-in with our coverage.
I drive 45 minutes to my dentist. He's awesome and his staff is like family.
We can't get into that here without violating the terms of this website. I believe it's been tried in other countries where dental was included as part of socialized medicine...consult the internet to find out why that was stopped.
I have a family member who is a surgeon in Miami. He has insurance companies telling him what processes to use to treat his patients otherwise they won't be covering the surgery.
My Medicare Advantage plan being an IBM retiree includes medical and dental. The medical seems pretty good but the dental is a joke. IBM is out to save money on retiree benefits nor provide great plans.
OK, so your worthless dental policy costs you nothing?
Is it possible to select a better dental plan and pay the difference?
This confuses me.
Are you saying IBM chooses your plan and pays the Medicare premium?
I always thought at 65 you are on your own unless you truly have retirement HC benefits outside of Medicare
Yeah agree
My thoughts exactly ^^
But the key here is, if I am reading this correctly he went to an out of network dentist.
$1000 is low for an Advantage C plan. But I am not sure he knows he can choose his own unless they are paying his medicare premium for him?
I'll have to agree with him, the dental is a joke from what he is posting. But not sure why he went out of network, maybe.
Either way I am sure they told him the cost ahead of time.
I just got new glasses. The place with the nation-wide retail glasses stores which initials are "LC" were "in network". Their list price for the glasses were $650.00. After insurance they were $350.00
Costco -which my insurance will not do business with was $250.00. That's where I ended up getting them.
Many things have to be approved by Medicare. If it's approved you are off the hook for any expenses for the procedure/tests/etc. Except for deductibles of course.
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My dentist wanted to sell me a night guard last year. $1000 limit, 60% coverage, predetermination, $141.
I said well I'm getting new insurance next year with 100% coverage, so let's wait.
Run the same predetermination this year, cost $430. hahahahahahahahahahaha
Same insurance co. Starts with a D and also has an airline by that name.
I'm gonna say it's the employer who decides, but poking fun at 60% vs. 100%. 100% doesn't help if the entire service is excluded.
My buddy said just go to ****'s Sporting goods and buy a hockey mouth guard.
I said well I'm getting new insurance next year with 100% coverage, so let's wait.
Run the same predetermination this year, cost $430. hahahahahahahahahahaha
Same insurance co. Starts with a D and also has an airline by that name.
I'm gonna say it's the employer who decides, but poking fun at 60% vs. 100%. 100% doesn't help if the entire service is excluded.
My buddy said just go to ****'s Sporting goods and buy a hockey mouth guard.
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One day I will have the last laugh, maybe. I love punching things into our health care, and it's all the same. Whether I get an x-ray, MRI, or hip surgery. $40. I love it when the app says, "You saved $42,000."
With dental, I'll never have the last laugh.
I LOVE Medicare Advantage C, going to do a post on it soon.
This was 2022 bills for me. (other than dentist *LOL*) my cost was $843.
Not sure if this will help, most likely not.
My wife has vision through her company. She did the same, bought awesome frames at Costco for I think hundreds (?) less.
She submitted the bill to her vision ins company and they sent her a check.
I agree the in-network thing is garbage for some plans, My advantage C I had to order contacts through UHC. UHC paid for them, $200 which was fine but I could have bought them at E-Z Contacts and got double the quantity for $290 with me paying $90 but they denied it. SO had to return them and order half the quantity at almost full retail. Still didnt cost me but I got half the amount.
