Dental Insurance Plans

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PostPosted: Fri Aug 06, 2010 9:48 pm   Post subject: tricare dental  

it does cover that stuff, you just have to be in it at least a year to cover the “major stuff”



I also was apprehensive about this plan but after checking plans and calling a few dentists the info I get is your gona pay for this stuff one way or another and all plans seem to have a waiting period for major items, and ALL have some kind of co pays and deductible. What all I read the TriCAre plan seems to be fair on this stuff, although I agree the whole plan could have been written a bit better. As in my case as a 27 year retiree I was told I’d HAVE FREE care for life. So the only thing a retiree (or dependent) has is this plan and hope the Senate or Congress gets a better deal for us at some point.



I just found yesterday after paying $204 for a cleaning and a couple Xrays I needed perio work and a crown my cost would be $2,338, with no ins.



So with ins at least I can get a break on the perio as its included right off, the crown will have to wait a year. So I decided to join up this month and become effective the 1st Sept. So I can start the perio work at least.







============================================================

Benefits available during the first 12 months of enrollment: *Delta Dental Pays:



Diagnostic services(such as exams) 100%

Preventive services(such as cleanings) 100%

Basic Restorative services(such as fillings, including tooth-colored fillings on back teeth) 80%

Endodontics(such as root canals) 60%

Periodontics(such as gum treatment) 60%

Oral Surgery(such as extractions) 60%

Emergency (such as treatment for minor pain) 80%

Dental Accident Coverage 100%



==============================================================



Additional services available after 12 months of continuous enrollment or if enrolled within four months after retirement:



Cast Crowns, Onlays & Bridges 50%

Partial/Full Dentures 50%

Dental Implant Services 50%

Orthodontics 50%



============================================================

Deductibles & Maximums



Annual Deductible



per person $50

$150 cap per family, per benefit year



Annual Maximum (per person, per benefit year) $1200

Orthodontic Maximum (per person, per lifetime) $1500

Dental Accident Maximum

(per person, per benefit year) $1000



Benefit Year: October 1- September 30



*The percentage paid by Delta is based on the allowed amount for each procedure. While the coverage percentage is the same for all TRDP patients, total out-of-pocket costs may be higher if care is received from a non-network


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hoody
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PostPosted: Sat Aug 07, 2010 10:59 pm   Post subject: tricare dental  

only bad thing about it is the cap, at 1200 per year. that is actually 1150 cause you also have a 50 dollar deductible. If not for that the rest is OK.


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hoody
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PostPosted: Sat Aug 07, 2010 11:01 pm   Post subject: tricare dental  

only bad thing about it is the cap, at 1200 per year. that is actually 1150 cause you also have a 50 dollar deductible. If not for that the rest is OK.


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anonymous 2
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PostPosted: Sat Aug 07, 2010 11:09 pm   Post subject: tricare dental  

only bad thing about it is the cap, at 1200 per year. that is actually 1150 cause you also have a 50 dollar deductible. If not for that the rest is OK.



You also HAVE to be enrolled for at least 1 year once you enroll.



I guess its one or the other, your gona pay somebody.


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hoody
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PostPosted: Mon Aug 09, 2010 6:32 am   Post subject:   

Quote:
the cap, at 1200 per year.




This is usually in excess of the deductible. At least it has been in all of the Delta plans I was ever covered under. And there was no requirement to be covered by the plan for 1 year before benefits were available.


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PostPosted: Mon Aug 09, 2010 8:31 pm   Post subject: tricare dental  

Could be about the copay, the year commitment takes effect in 30 days, weather you used it or not. if you don 't call them to cancel, If you use it before that time yeah its effective for the year than too.



Its why I broke down and got it, "to use it", don't have a real warm and fuzzy feeling about it, but that's what it is.



Took it cause of a couple reasons, they back dated my enrollment to the 1st, which let me claim the 204 I just paid for a cleaning and Xrays, also I need periodontal work, and that's covered right off. I did some figuring and all in all I came out about 127 bucks ahead with it rather than pay out of pocket. even when I added in my years worth of premiums.


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hoody
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PostPosted: Tue Aug 24, 2010 6:35 pm   Post subject:   

when you type full coverage if you mean that your insurance will pay for 100% of your treatment costs then you are out of luck. no dental insurance company will pay 100% of all treatment. or if you mean that your insurance company will pay a portion of all the different types of treatment you may need then you again are out of luck. insurance companies as you know are not there to help you but are there to make money period. most insurances will pay for a portion of your treatment while you pay the remaining copay. if you are lucky and brave you may be able to find a "dentist" who will waive the patient copay.



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PostPosted: Mon Dec 30, 2019 2:29 am   Post subject:   

It's great that dental insurance is available now as cost reduction cuts down the burden. Heard a lot about one of the reputed dentist Hermosa Beach last year and immediately visited them for my son's tooth as well as gum infections. Thanks to the care and lovely advice they gave to the little one. He is now extra careful about his eating as well as cleaning habits.

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