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Dental Insurance not keeping up with $$ #4783714
06/11/18 10:06 AM
06/11/18 10:06 AM
Joined: Mar 2008
Posts: 6,003
Michigan
ZZman Offline OP
ZZman  Offline OP
Joined: Mar 2008
Posts: 6,003
Michigan
When will companies and dental insurance companies come to the realization that $1,000 a year isn't enough coverage when people need things like crowns and bridges?


2003 Mercury Grand Marquis. PP HM 5w-30 and Fram Ultra
2008 Sebring Hardtop convertible. PP HM 5w-30 and Fram Ultra
2006 Kawasaki Vulcan 900 LT. Amsoil Metric 10w-40
Re: Dental Insurance not keeping up with $$ [Re: ZZman] #4783718
06/11/18 10:09 AM
06/11/18 10:09 AM
Joined: Mar 2013
Posts: 4,866
The Midwest
skyactiv Offline
skyactiv  Offline
Joined: Mar 2013
Posts: 4,866
The Midwest
If there was a $5000 yearly limit, do you think dentist would take advantage of it and raise the cost of dental work for those without coverage?
Catch 22.


Wife: 15' Audi A4 quattro 6 speed manual
Me: 13' VW GTI 3 door 6 speed manual
Re: Dental Insurance not keeping up with $$ [Re: ZZman] #4783725
06/11/18 10:15 AM
06/11/18 10:15 AM
Joined: Aug 2011
Posts: 2,050
Lakeside, CA
Blkstanger Offline
Blkstanger  Offline
Joined: Aug 2011
Posts: 2,050
Lakeside, CA
I haven't had an honest dentist in 30 years. They all commit fraud from what I have seen. The last one I witnessed was my Wife's dentist said that he treated her for pain. Nope not at all, Though he did charge for it. That is until I pointed it out. My Insurance pays $1750 a year. And yes that doesn't go very far.


99 Jeep WJ 4.7 190,000 Maxlife 10w30, Fram Ultra.
Re: Dental Insurance not keeping up with $$ [Re: ZZman] #4783726
06/11/18 10:18 AM
06/11/18 10:18 AM
Joined: Dec 2002
Posts: 1,597
North Carolina
Rat407 Offline
Rat407  Offline
Joined: Dec 2002
Posts: 1,597
North Carolina
No insurance here. Can't afford to pay the monthly fee. I just deal with the pain when I have to pay.


2002 Silverado 5.3 0w-20 AMSOIL®
Re: Dental Insurance not keeping up with $$ [Re: skyactiv] #4783732
06/11/18 10:24 AM
06/11/18 10:24 AM
Joined: Oct 2002
Posts: 36,420
Great Lakes
Quattro Pete Offline
Quattro Pete  Offline
Joined: Oct 2002
Posts: 36,420
Great Lakes
Originally Posted By: skyactiv
If there was a $5000 yearly limit, do you think dentist would take advantage of it and raise the cost of dental work for those without coverage?
Catch 22.
Good point. The overall cost of medical and dental services in this country is staggering compared to other nations. I know people who travel to other countries to have their dental work done.

Are we mainly paying for malpractice insurance premiums?


'02 530i (Edge 0W-40)
'15 Q5 3.0T (Edge 5W-40)
'18 Charger SRT (FF)
Re: Dental Insurance not keeping up with $$ [Re: ZZman] #4783738
06/11/18 10:29 AM
06/11/18 10:29 AM
Joined: Jan 2010
Posts: 510
Los Gatos, CA
JeffKeryk Offline
JeffKeryk  Offline
Joined: Jan 2010
Posts: 510
Los Gatos, CA
Dental insurance is a joke unless your teeth and gums are mostly healthy.
It just ain't that good.
I am considering full mouth implants for a friend. Probably $50K, or more...
Did you know the #1 reason people get into major debt is medical cost, and most of those people have insurance?

The only answer is single payer.
Do the math...
The rest of the civilized world has.

Re: Dental Insurance not keeping up with $$ [Re: ZZman] #4783744
06/11/18 10:31 AM
06/11/18 10:31 AM
Joined: Aug 2004
Posts: 3,307
Raleigh ,NC CSA
rshaw125 Offline
rshaw125  Offline
Joined: Aug 2004
Posts: 3,307
Raleigh ,NC CSA
US working people have been ripped off by the medical cartel for decades.


2012 Porsche Carrera S
2016 Ford Edge 2.0
2002 Taurus Vulcan SOLD
2006 Explorer SOLD
Re: Dental Insurance not keeping up with $$ [Re: JeffKeryk] #4783745
06/11/18 10:31 AM
06/11/18 10:31 AM
Joined: Jan 2017
Posts: 1,567
VW Fanboy Island
maxdustington Offline
maxdustington  Offline
Joined: Jan 2017
Posts: 1,567
VW Fanboy Island
Originally Posted By: JeffKeryk
The only answer is single payer.
Do the math...
The rest of the civilized world has.


Come to a Toronto hospital, you can see how civilized our medicine is after you wait 12 hours.

Last edited by maxdustington; 06/11/18 10:32 AM.

03 Jetta AWP/09A 205k kms
Edge 0W40 + Mann 719/30
Re: Dental Insurance not keeping up with $$ [Re: rshaw125] #4783752
06/11/18 10:40 AM
06/11/18 10:40 AM
Joined: Apr 2013
Posts: 2,375
The Northeast
mclasser Offline
mclasser  Offline
Joined: Apr 2013
Posts: 2,375
The Northeast
Originally Posted By: rshaw125
US working people have been ripped off by the medical cartel for decades.

The insurance industry, in general, is a racket.


2018 Hyundai Elantra VE -- 5K
2013 Honda Pilot EX-L 4WD -- 56K
2002 Honda Accord EX-L -- 211K

Re: Dental Insurance not keeping up with $$ [Re: maxdustington] #4783753
06/11/18 10:41 AM
06/11/18 10:41 AM
Joined: Oct 2002
Posts: 36,420
Great Lakes
Quattro Pete Offline
Quattro Pete  Offline
Joined: Oct 2002
Posts: 36,420
Great Lakes
Originally Posted By: maxdustington
Come to a Toronto hospital, you can see how civilized our medicine is after you wait 12 hours.

It's not like in the US you can just walk in and expect to be seen by a doctor on a moment's notice. You have to make an appt, usually days in advance.

ER will make you wait, too.



'02 530i (Edge 0W-40)
'15 Q5 3.0T (Edge 5W-40)
'18 Charger SRT (FF)
Re: Dental Insurance not keeping up with $$ [Re: ZZman] #4783755
06/11/18 10:42 AM
06/11/18 10:42 AM
Joined: Mar 2017
Posts: 5,767
...
PimTac Offline
PimTac  Offline
Joined: Mar 2017
Posts: 5,767
...
Compare dental care to 40-50 years ago. Hardly any child got braces. Now it seems 80-90% get either braces or retainers. The push for perfect teeth is really a scam.

As for single payer, it’s fine as long as you don’t mind someone else deciding your health future.


2017 Mazda CX-5 GT.

Valvoline Modern Engine 0w20
Mobil 1 EP 108A
Re: Dental Insurance not keeping up with $$ [Re: ZZman] #4783757
06/11/18 10:42 AM
06/11/18 10:42 AM
Joined: Jun 2014
Posts: 1,849
Ca.
UncleDave Online content
UncleDave  Online Content
Joined: Jun 2014
Posts: 1,849
Ca.
Dental insurance is equivalent to a 10% off coupon.

UD


Uncle Dave
Cat 3126/2 MB3500/Titan/RX400H/17 Ridgeline
700HP V10/ 725HP BBC/ Raptor 700/ KFX450/ YZ250/Onan 8K/ Cat3011C
Re: Dental Insurance not keeping up with $$ [Re: ZZman] #4783762
06/11/18 10:49 AM
06/11/18 10:49 AM
Joined: Sep 2004
Posts: 21,742
Orlando, FL
Mr Nice Offline
Mr Nice  Offline
Joined: Sep 2004
Posts: 21,742
Orlando, FL
Take care of your dental needs and you will be fine. I visit dentist twice a year for cleanings and no problems.

Some Americans say they can't afford dental care... but somehow afford a nice car, iPhone, jewlery, etc... smirk

They go to the ER for a tooth ache or bleeding gums from lack of care.


Re: Dental Insurance not keeping up with $$ [Re: ZZman] #4783767
06/11/18 10:55 AM
06/11/18 10:55 AM
Joined: Nov 2008
Posts: 12,682
NH
supton Offline
supton  Offline
Joined: Nov 2008
Posts: 12,682
NH
Dental insurance seems to be low. I usually gripe that I can't put enough into my HSA. Kids needed braces & wife went ahead & paid before I could set up an FSA for that. Oops. Well, pay up front and for some reason they knock money off the bill. I guess that's why I save as much as I can to the HSA.

me, I plan to have teeth pulled when they break, and get dentures when I lose enough of them. Not paying big bucks to have "perfect" teeth, not until I have disposable money.


2011 Toyota Camry, base, 2.5L/6MT, 169k, hers
2010 Toyota Tundra DC, 4.6L/6AT, 144k, ours
1999 Toyota Camry LE, 2.2L/4AT, 192k, his
Re: Dental Insurance not keeping up with $$ [Re: UncleDave] #4783780
06/11/18 11:08 AM
06/11/18 11:08 AM
Joined: Dec 2014
Posts: 1,263
California
Vuflanovsky Offline
Vuflanovsky  Offline
Joined: Dec 2014
Posts: 1,263
California
Originally Posted By: UncleDave
Dental insurance is equivalent to a 10% off coupon.

UD


That's definitely closer to the truth than not...I'm still waiting for the invention of teeth pavement that they can just knock out and re-pave like asphalt if they need to access your teeth.

Most dental practices in my experience are always in "up sell mode" and some of their work is questionable to begin with...but I'm supposed to acquiesce to the professional instead of questioning them as the professional isn't prone to giving options or sometimes even adequately explaining the issue even when pressed.

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