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Dental Insurance not keeping up with $$ #4783714 06/11/18 10:06 AM
Joined: Mar 2008
Posts: 6,656
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ZZman Offline OP
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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
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skyactiv Offline
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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
2018 Elantra Sport 6 speed manual


Re: Dental Insurance not keeping up with $$ [Re: ZZman] #4783725 06/11/18 10:15 AM
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Posts: 2,341
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Blkstanger Offline
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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.
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Re: Dental Insurance not keeping up with $$ [Re: ZZman] #4783726 06/11/18 10:18 AM
Joined: Dec 2002
Posts: 1,758
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Rat407 Offline
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Joined: Dec 2002
Posts: 1,758
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
Joined: Oct 2002
Posts: 38,008
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Quattro Pete Offline
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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?


2002 530i   2015 Q5 3.0T   2018 Charger SRT
Re: Dental Insurance not keeping up with $$ [Re: ZZman] #4783738 06/11/18 10:29 AM
Joined: Jan 2010
Posts: 1,983
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JeffKeryk Offline
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Posts: 1,983
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
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Re: Dental Insurance not keeping up with $$ [Re: ZZman] #4783744 06/11/18 10:31 AM
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Posts: 3,393
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rshaw125 Offline
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US working people have been ripped off by the medical cartel for decades.


2012 Porsche Carrera S
2016 Ford Edge 2.0
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Re: Dental Insurance not keeping up with $$ [Re: JeffKeryk] #4783745 06/11/18 10:31 AM
Joined: Jan 2017
Posts: 3,157
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maxdustington Offline
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Joined: Jan 2017
Posts: 3,157
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
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Re: Dental Insurance not keeping up with $$ [Re: rshaw125] #4783752 06/11/18 10:40 AM
Joined: Apr 2013
Posts: 2,756
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mclasser Offline
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Joined: Apr 2013
Posts: 2,756
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
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Posts: 38,008
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Quattro Pete Offline
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Joined: Oct 2002
Posts: 38,008
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.



2002 530i   2015 Q5 3.0T   2018 Charger SRT
Re: Dental Insurance not keeping up with $$ [Re: ZZman] #4783755 06/11/18 10:42 AM
Joined: Mar 2017
Posts: 10,645
PimTac Offline
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Posts: 10,645
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, its fine as long as you dont mind someone else deciding your health future.


2017 Mazda CX5
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Re: Dental Insurance not keeping up with $$ [Re: ZZman] #4783757 06/11/18 10:42 AM
Joined: Jun 2014
Posts: 2,410
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UncleDave Offline
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Joined: Jun 2014
Posts: 2,410
Dental insurance is equivalent to a 10% off coupon.

UD


Uncle Dave
Cat 3126/2 MB3500/Titan/RX400H/17 Ridgeline
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Re: Dental Insurance not keeping up with $$ [Re: ZZman] #4783762 06/11/18 10:49 AM
Joined: Sep 2004
Posts: 23,152
Mr Nice Offline
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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
Joined: Nov 2008
Posts: 14,386
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supton Offline
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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, 189k, hers
2010 Toyota Tundra DC, 4.6L/6AT, 153k, ours
1999 Toyota Camry LE, 2.2L/4AT, 211k, his
Re: Dental Insurance not keeping up with $$ [Re: UncleDave] #4783780 06/11/18 11:08 AM
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Vuflanovsky Offline
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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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