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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: 6,543
Michigan
ZZman Offline OP
ZZman  Offline OP

Joined: Mar 2008
Posts: 6,543
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.
2007 Hyundai Santa Fe AWD.
2005 Toyota Avalon XLS
2006 Kawasaki Vulcan 900 LT.
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: 5,561
The Midwest
skyactiv Offline
skyactiv  Offline

Joined: Mar 2013
Posts: 5,561
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: 2,279
Lakeside, CA
Blkstanger Offline
Blkstanger  Offline

Joined: Aug 2011
Posts: 2,279
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 4.7 200,000mi. 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: 1,688
North Carolina
Rat407 Offline
Rat407  Offline

Joined: Dec 2002
Posts: 1,688
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 AMSOILģ
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: 37,510
Great Lakes
Quattro Pete Offline
Quattro Pete  Offline

Joined: Oct 2002
Posts: 37,510
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 (PUP 0W-40 SRT)
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: 1,564
Los Gatos, CA
JeffKeryk Offline
JeffKeryk  Offline

Joined: Jan 2010
Posts: 1,564
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.


2018 Tesla Model 3, Medium Range Battery
2018 Lexus RX450h
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2006 Acura TSX
2001 Tundra Access Cab, 1998 Accord LX, 1968 Corvette L36 Roadster, 1965 Olds 4-4-2
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: 3,393
Raleigh ,NC
rshaw125 Offline
rshaw125  Offline

Joined: Aug 2004
Posts: 3,393
Raleigh ,NC
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: 2,949
VW Fanboy Island
maxdustington Offline
maxdustington  Offline

Joined: Jan 2017
Posts: 2,949
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 210k 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: 2,646
The Northeast
mclasser Offline
mclasser  Offline

Joined: Apr 2013
Posts: 2,646
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
2013 Honda Pilot EX-L 4WD
2002 Honda Accord EX-L

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: 37,510
Great Lakes
Quattro Pete Offline
Quattro Pete  Offline

Joined: Oct 2002
Posts: 37,510
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 (PUP 0W-40 SRT)
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: 9,689
...
PimTac Offline
PimTac  Offline

Joined: Mar 2017
Posts: 9,689
...
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, itís fine as long as you donít mind someone else deciding your health future.


2017 Mazda CX5
Havoline Pro DS 0w20
Roki OEM filter.
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: 2,155
Ca.
UncleDave Online content
UncleDave  Online Content

Joined: Jun 2014
Posts: 2,155
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: 22,699
Central Florida
Mr Nice Offline
Mr Nice  Offline

Joined: Sep 2004
Posts: 22,699
Central Florida
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: 13,770
NH
supton Offline
supton  Offline

Joined: Nov 2008
Posts: 13,770
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, 185k, hers
2010 Toyota Tundra DC, 4.6L/6AT, 150k, ours
1999 Toyota Camry LE, 2.2L/4AT, 208k, 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: 1,496
California
Vuflanovsky Offline
Vuflanovsky  Offline

Joined: Dec 2014
Posts: 1,496
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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