Among Friends

[Sooner]

Check carefully:  I did and the higher option did not pay one dime more than the regular.  I called up the insurance companies offices, talked to someone who said "Well that can't be."  We went over the numbers and she said, "You are exactly right!  There is no difference except you pay a higher premium, which negates the small benefit."

[I am still oxox]

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@Q-Checker wrote:

@I am stilloxoxx As I recall, you mentioned that you have federal BC/BS insurance. If that is correct, dental insurance is not part of it -- it is an optional add-on to the basic premium. There is a range of both HMO and PPO dental and vision plan options. At present this is Open Season, which offers an opportunity to select new plans. A recent mailing, which I received today, includes web site addresses to view coverage and premiums for this array of plan choices. It may be very much worth your while to view these plans and their premiums and select one that best fits any routine and/or projected dental and vision care needs. Or not.

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@Q-Checker No I never mentioned that and that is not the insurance we have, we have Aetna and indeed it it an add on 

[89135]

The dental services with my Advantage Plan allows for $2500 for preventive dental services such as cleaning, exams, etc and major dental services such as crowns, dentures, root canals, bridges etc...No Implants

[Carmie]

I have dental insurance now with my Advantage Plan. I am losing my Advantage Plan effective January 1, and I am going on Traditional Medicare and a supplement.

I looked into getting dental insurance, but find that the coverage is too expensive.  Most of the plans have too many limits, have high deductibles and coinsurance.

I just get two cleanings a year and occasionally X-rays.  I am extremely fortunate that I still have all of my natural teeth with only two crowns and two fillings.

My dentist charges about $200 a visit, so it would cost me about $400 for dental services each year.  Much less than dental insurance.

I have my last dental appointment in December with my dentist and will get my X-rays at that time so my insurance pays for them.  I will also ask him to be sure I won't need any immediate dental work, and if I do, get it completed before my dental insurance cancels.

If I could find dental insurance that was affordable, I would purchase it.  I, at one time paid $23 a month for it for the two us and it covered preventative at 100% and the other dental services at 50%.  Those plans are no longer available at that price in my area.

[Winkk]

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@RescueLover wrote:


YES ! @Sunshine Kate 🌻


I would NOT want to be without dental insurance ! !


I pay $36 per month and for 2026 the premium is going down to $35 ( what goes down these days! )



It covers 2 free cleanings each year, a full set of X-rays (I think every 2 years), a facial jaw scan and any X-rays whenever needed within the 2 years.




Dental Procedures such as fillings, crowns, root canals are covered 50%.

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@RescueLover .. Do you have a limit per year on how much they will cover?  For instance if you need major work done, will it cover 50% or limit it to say $2500 annually?  Just curious.

[rockygems123]

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@RescueLover wrote:


YES ! @Sunshine Kate 🌻


I would NOT want to be without dental insurance ! !


I pay $36 per month and for 2026 the premium is going down to $35 ( what goes down these days! )



It covers 2 free cleanings each year, a full set of X-rays (I think every 2 years), a facial jaw scan and any X-rays whenever needed within the 2 years.




Dental Procedures such as fillings, crowns, root canals are covered 50%.

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@RescueLover 

Is it through Medicare or something like Delta dental?

[Mz iMac]

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@Carmie wrote:

I looked into getting dental insurance, but find that the coverage is too expensive.  Most of the plans have too many limits, have high deductibles and coinsurance.

If I could find dental insurance that was affordable, I would purchase it.  I, at one time paid $23 a month for it for the two us and it covered preventative at 100% and the other dental services at 50%.  Those plans are no longer available at that price in my area.

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@Carmie  Is there a dental school in your area?

[Carmie]

No, no dental schools close.  There is one in Philly two hours away.

[cindyNC]

I always had it when I was employed but decided not to pay for it  after retirement.  Part of the reason was that very few dentists in my area accepted my employers plan and I really wanted to change dentists. 

I just deduct the payments as medical expenses on income tax and hope I have enough deductions for the year.