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Megaelliemae Asked September 2015

Why is dental insurance not part of the health care system?

Always separate and so hard to obtain? A healthy body begins with healthy teeth. We all know it's true , yet dental health and insurance is separate from the health care system,separate policies are required and are pretty much unaffordable. On top of being ripped
off for a medical plan ,dental is separate .

freqflyer Sep 2015
Megaelliemae, I always thought it doesn't seem fair that when one gets on Medicare that there is no dental, hearing, or eye glass lense insurance.... my gosh, that is when one really needs it.

Sunnygirl1 Sep 2015
Man, JessieBelle, that sounds attractive. I have BCBS medical too, but my dental was from another company for $38.00 per month. It hardly covered anything that I needed, like a crown. I didn't need any fillings or extractions. It covered my clearings, but it came out to be about the same as my monthly premiums.

I will check into the BCBS and see what they have to offer for next year. I will visit the prospect.

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JessieBelle Sep 2015
I've had dental insurance for about $20 a month through BC/BS for the longest time. It has been very handy. I wouldn't think about not adding it on to my health plan. You can buy it as a rider. The only thing I don't like about it is it only covers half of the really expensive things and it has a low cap. I haven't checked what the cap is now, but it used to be $1000 per year.

Sunnygirl1 Sep 2015
It's so true. Dental health is very important, however, I think that some people must think that if you have to, you can just pull the teeth out and get dentures.

I have had dental insurance twice in my life and I never saw much benefit to it. The things it covered, I didn't have need for, such as extractions and fillings. And the cleaning costs coverage hardly made up for my monthly premium. Once it was covered through my employer and once I paid it privately. I didn't find it helpful.

I think that Medicaid recipients are covered for dental coverage. You just have to find a dentist who will accept Medicaid.

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