by Guest » Tue Jul 17, 2012 02:00 pm
Dental coverage that I have, pays for 70% of the dentist's fees while i have to pay for the rest 30%. My yearly coverage limit is $1800. But I had a recent major dental problems and so the limit exceeded. Will my individual health plan cover the excess amount, or I pay it on my own?
Posted: Tue Jul 17, 2012 11:14 pm Post Subject:
Dental insurance pays for dental needs and medical insurance pays for medical needs.
The only time that your medical insurance coverage will pay for dental needs is if the dental treatment needs occur as a result of something OTHER than decay, etc. For instance, as a result of face-planting on the sidewalk and breaking teeth. But it WON'T pay for anything other than an accident that caused damage to the teeth.
InsTeacher 8)
Posted: Wed Jul 18, 2012 01:31 pm Post Subject:
But it WON'T pay for anything other than an accident that caused damage to the teeth.
Better to state this as your health insurance will not pay for dental expenses that are not medically necessary. It doesn't always mean the result of an accidental event. But accidental injuries are probably the most common cause of medically necessary dental expenses.
When you exceed the annual maximum on your dental coverage, the excess charges are your personal responsibility. Obamacare did nothing about the cost or benefits of dental care. Health insurance, on the other hand (and unless Congress makes some changes), now or by 1-1-2014 will, provide unlimited annual and lifetime coverage, courtesy of your health insurance company.
If you believed Obama when he said your health insurance premiums will go down in cost as a result of the implementation of his PPACA, there is a bridge I'd like to sell you in NY City.
Posted: Wed Jul 18, 2012 09:48 pm Post Subject:
If you believed Obama when he said your health insurance premiums will go down in cost as a result of the implementation of his PPACA, there is a bridge I'd like to sell you in NY City.
oooh, oooh....I want the Brooklyn Bridge! Can I have it?
InsTeacher 8)
Posted: Thu Jul 19, 2012 12:38 am Post Subject:
Sorry, I sold it on eBay.com just a couple of hours ago. Didn't see your post.
:lol:
Could I interest you in the Holland Tunnel?
Posted: Thu Jul 19, 2012 08:41 pm Post Subject:
Could I interest you in the Holland Tunnel?
Wow, I thought you were selling a BRIDGE and you now offer me a TUNNEL. Seems to me that's false advertising and somewhat of a bait and switch issue. I'm calling the Cali. DOI- seems to me that's a trade violation.
InsTeacher 8)
Posted: Fri Jul 20, 2012 06:19 am Post Subject:
Don't get upset! The tunnel is cheaper. The "bridge" was kind of a "dental" joke.
Posted: Fri Jul 20, 2012 11:42 pm Post Subject:
OK... sometimes I'm a bit slow on the uptake.
Dental...bridge...I get it!
:D
InsTeacher 8)
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