PDA

View Full Version : retiree dental..



garhkal
01-25-2017, 08:46 PM
So for my fellow retirees, which dental insurance do you go by? Metlife? Delta? Humana? Some other??

LogDog
01-26-2017, 09:10 PM
I have Delta Dental. Never had a problem with them. The only thing you need to remember is to find a dentist that takes them.

Bos Mutus
01-26-2017, 09:33 PM
Delta Dental.It's good for check-ups and cleanings...It's not much of a "military benefit" if at all...it is virtually identical to the plan I can purchase at work.

LogDog
01-26-2017, 09:39 PM
Delta Dental.It's good for check-ups and cleanings...It's not much of a "military benefit" if at all...it is virtually identical to the plan I can purchase at work.
It's not really a military benefit but more of an opportunity to join a group insurance plan. The military doesn't provide retiree dental services so this is about the best they can offer. It helps a little, but it's better than nothing.

sandsjames
01-26-2017, 11:13 PM
Dental insurance overall sucks real bad. We have Delta, but they're pretty much all the same. I went in on Monday and my wife went in today. We're looking at needing work done (a couple crowns, a bridge, etc) that's going to end up running us $5k to $7k AFTER insurance covers their share. I can't figure out why dental and eye insurance isn't part of normal medical.

garhkal
01-27-2017, 07:14 AM
Ive never understood that either, NOR why compared to other programs (such as regular med insurance) you seem to pony up a lot more than normal..

retiredAFcivvy
01-27-2017, 05:36 PM
Ive never understood that either, NOR why compared to other programs (such as regular med insurance) you seem to pony up a lot more than normal..
I think, even though we may not want to admit it, many dental procedures are for esthetics and not medically required. Most insurance companies will balk at medical procedures if determined to be not medically necessary.

retiredAFcivvy
01-27-2017, 05:36 PM
Ive never understood that either, NOR why compared to other programs (such as regular med insurance) you seem to pony up a lot more than normal..
I think, even though we may not want to admit it, many dental procedures are for esthetics and not medically required. Most insurance companies will balk at medical procedures if determined to be not medically necessary.

Bos Mutus
01-27-2017, 05:54 PM
Ive never understood that either, NOR why compared to other programs (such as regular med insurance) you seem to pony up a lot more than normal..

I figure its because Medical is viewed as a benefit of military service, a promise...it's protected and defended by our lobbyists and ourselves. Taking it away is more likely to face opposition.

Dental has just been like a 'yeah, whatever'...nobody gets too upset about it, so Congress has not felt the need to fund a better plan...what we have is basically a plan you can buy anywhere whether you are military retiree or not...so probably does not cost the govt. much, if anything.

retiredAFcivvy
01-27-2017, 06:38 PM
Aetna has a plan (Benefeds) for retired civil servants. That plan is not available to retired military but they might have something similar. They have been a pretty good company to deal with.

garhkal
01-27-2017, 07:01 PM
I think, even though we may not want to admit it, many dental procedures are for esthetics and not medically required. Most insurance companies will balk at medical procedures if determined to be not medically necessary.

Fillings, root canals, crowns.. IMO those are all necessities.
Teeth whitening, braces/bridges, those i can see as electives...

Mjölnir
01-28-2017, 11:12 PM
Fillings, root canals, crowns.. IMO those are all necessities.
Teeth whitening, braces/bridges, those i can see as electives...

Bridges and braces can be a necessity depending on the severity of the issue. For people born with cleft braces are a requirement, bridges can be required for people born with jaw deformities.

Mjölnir
01-28-2017, 11:12 PM
Fillings, root canals, crowns.. IMO those are all necessities.
Teeth whitening, braces/bridges, those i can see as electives...

Bridges and braces can be a necessity depending on the severity of the issue. For people born with cleft braces are a requirement, bridges can be required for people born with jaw deformities.

garhkal
01-29-2017, 03:07 AM
Well, looking at it, Delta and Aetna are the 2 main ones taken by the dentist i go through, and being single, i can get Aetna's insurance for 130 or so a year....
Since i have (stupidly i know) neglected getting a cleaning since before i retired (June ish 2011), its gotten to where some of my gums are needing severe work, so i will need a pricy as heck deep cleaning ($700!!)...

So here's hoping getting either of those 2 cut that cost down....