Fitness Minutes: (16,255)
2,071 10/6/11 10:11 P
I do have dental insurance, and I know I'm one of the few, and I have good coverage...I work for a community health clinic, we see many, many folks who do not have dental insurance, and only care for their teeth when they are in pain. We do what we can to help dentistry be affordable, not a luxury and educate that a little preventative care goes a long way to keeping your teeth...
I currently have dental covered by my former employer (I am retired) through Cobra but that only lasts for 18 months. Thankful I kept it though as I had to have a dental implant for one tooth and at about $4500 I was glad I had insurance. I can convert it to a regular personal policy at the end of 18 months, but I am not sure it will be worth it due to the cost. I'll have to wait and see and make a decision later. I go twice per year for cleaning and one of those they do x-rays.
I had thankfully planned for my retirement and my dentist and I had been replacing old fillings and decided on which teeth needed crowns over the last 10 years. That should help me lower my spending in retirement.
I agree that dental should be part of a health care plan. Right now I'm so busy trying to manage my autoimmune disease with no medical insurance I can't even think adding another component into the mix. Once a year is all I can manage.
(When I got sick my employer fired me and I lost my insurance, so I bought a policy on my own which I kept until I was finally priced out of it by all the rate hikes, well before the 2008 election. Being autoimmune is very expensive, and as a preexisting condition the insurance covered very little and ended up more like very expensive accident insurance policy.)
Edited by: THISYEARSMODEL at: 10/6/2011 (20:19)
Fitness Minutes: (4,469)
2,256 10/6/11 7:20 P
I used to but it stopped when my husband retired, Now I can only afford to go once a year instead of every 6 months
Fitness Minutes: (10,346)
1,320 10/6/11 6:10 P
KRISTIJ3 - Your health insurance includes massages? That is why health insurance costs so much. Another reason is because nobody questions their doctor regarding test done etc. My OBGYN is notorious for this. He orders everything. However, I refused to make the appointment for the bone density test that was not necessary. That would have cost my insurance about $600. Everyone needs to pay attention.
I do not have dental insurance because the insurance would cost more than I would pay the dentist directly. Once in a while you do get hit with the crown or root canal but over the course of a few years you still would have paid more to the insurance company and as most here have said, most insurance plans do not cover this. Again we need to question the dentist's recommendations. A close friend of mine has all of his fillings replaced because the dentist said that the silver ones "may" cause a health risk because of the mercury. This fact has never been proved. So $2,000 later he had new fillings.
I will get off my soap box now.
Fitness Minutes: (45,787)
1,898 10/6/11 5:46 P
just lost it when hubby retired from miltary. going to have to find new one :(
No, I currently don't because I've started a new job, which means I have a 90 day waiting period. I did have dental insurance for years, and with my 2 daughters who bith needed braces, it was a lifesaver.
No, and I have the teeth to prove it. The only things I can get done under my financial aid program are root canals and extractions if a tooth is beyond hope. Therefore I don't smile except closed lipped. Good thing I'm practically a hermit, I suppose.
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