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Thread: Actual dental question
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02-04-2020, 05:00 PM #26Funky But Chic
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what ended up happening with the original deal in the first post?
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02-04-2020, 05:02 PM #27
Actual dental question
You are a month late but I have had dental work planned to straddle two calendar years to avoid going over the coverage limit.
My fancy SF dentist likes Delta.
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02-04-2020, 05:11 PM #28
On the mid tier plan there are no maximums, and no waiting period hopefully. Although that’s what I’m worrried about. Which is why I haven’t asked them directly but maybe I should. The base plan doesn’t include crowns.
Actually pondering ways I could collaborate with a pseudo employer to get on a group plan.
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02-04-2020, 05:25 PM #29Registered User
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02-04-2020, 05:58 PM #30
I have Delta, large group plan, they're not great but not terrible. Pretty common insurance carrier in Colorado.
"fuck off you asshat gaper shit for brains fucktard wanker." - Jesus Christ
"She was tossing her bean salad with the vigor of a Drunken Pop princess so I walked out of the corner and said.... "need a hand?"" - Odin
"everybody's got their hooks into you, fuck em....forge on motherfuckers, drag all those bitches across the goal line with you." - (not so) ill-advised strategy
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02-04-2020, 07:18 PM #31
I'm looking at a crown right now. Tooth is obviously broken but dentist is taking xray as proof for Delta. The dentist should know what documentation delta needs to accept the claim. OTOH if you already have an issue with two teeth I would assume Delta would not cover that issue--the preexisting condition thing, but I don't know, just assuming. Wouldn't make sense for them to cover, otherwise people would just wait until they need something expensive, take out insurance, cancel after the work was done.
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02-04-2020, 07:30 PM #32
Dental insurance doesn't have pre-existing condition. They just don't pay that much annually and they don't pay for work already started. For example, you can't get a crown prepped on one claim and then claim the completed crown on another.
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02-04-2020, 07:43 PM #33
Good to know thanks. It’s a year contract minimum, so buying that @$500 and then getting claim denied would be worst case scenario. Dentist is top notch and will do everything by the book.
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02-04-2020, 08:42 PM #34Registered User
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Delta and blue cross are the only good insurances for dentists to take and only certain versions of them. If your dentist is in network with every insurance, he she has to be crazy efficient running a ton of chairs at once to make a buck. May be working 3-4 chairs while also seeing hygiene. Easy to burn out fast and many good dentists dont want that life.
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02-04-2020, 09:24 PM #35
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02-04-2020, 09:34 PM #36Registered User
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02-04-2020, 09:35 PM #37
I still think it’s really weird that “dental work“ is not considered healthcare to be covered under regular healthcare insurance. Those dentist must have one hell of a fucking lobby. It just does not make any sense to me. I mean, you can die from not taking care of your teeth. And you would think dying would be covered under health care. But what the fuck do I know, I ain’t no fucking dentist.
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02-04-2020, 09:45 PM #38Registered User
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02-04-2020, 09:50 PM #39"fuck off you asshat gaper shit for brains fucktard wanker." - Jesus Christ
"She was tossing her bean salad with the vigor of a Drunken Pop princess so I walked out of the corner and said.... "need a hand?"" - Odin
"everybody's got their hooks into you, fuck em....forge on motherfuckers, drag all those bitches across the goal line with you." - (not so) ill-advised strategy
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02-04-2020, 09:55 PM #40
All the yes. Then toss in being self employed. Almost enough to convince me to go back corporate. Wait. is it snowing? K I’ll get back to you on that.
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02-05-2020, 06:16 AM #41
We have dental ins. available through my wife’s employer and we opted out after a few years ago. What with co-pays, deductibles and the portion of the premium she had to pay we rarely came close to breaking even on it. Will admit that it was marginally beneficial when our two kids were younger and we had 4 people covered.
Damn, we're in a tight spot!
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02-05-2020, 06:45 AM #42Registered User
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02-05-2020, 09:56 AM #43
Do you have any evidence for that? My dentist works 830-430 4 days per week, always has time to fit me in for my monthly dental emergency, takes Delta, and seems to do good work as far as I can tell. She cut back on the frequency of cleanings my previous dentist had me on, so doesn't seem to be hurting for money.
My policy through work covers 100% of the Delta contracted fee (which is less than the billed fee), no deductible or copay, up to $2000/yr per person. I pay everything over that. Like I said, it's a group policy, maybe unusually generous? And like I said, not really insurance--an insurance policy would pay everything over $2000, not everything under.
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02-05-2020, 10:53 AM #44
do we have any actual dentists here? Like honest to god dentists? Because I have a dental question, getting differing info from my dentist and my periodontist, and would like to talk to someone in the business but not in the business of taking my money.
"fuck off you asshat gaper shit for brains fucktard wanker." - Jesus Christ
"She was tossing her bean salad with the vigor of a Drunken Pop princess so I walked out of the corner and said.... "need a hand?"" - Odin
"everybody's got their hooks into you, fuck em....forge on motherfuckers, drag all those bitches across the goal line with you." - (not so) ill-advised strategy
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02-05-2020, 11:22 AM #45
My dentist does not accept insurance and 100% of your fees are due at the time of service. They will, however, submit your already-paid bill to your insurer for you. So the process is to pay with a tax-free HSA debit card and then get a check in the mail for "reimbursement" from your insurer 10 days later. It works great and I see no problems whatsoever.
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02-05-2020, 03:20 PM #46Registered User
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I used to mail bills to sunlife and they send the check, I suppose at some point they realized they were wasting a lot of time checking stuff that was correct 99% of the time so they put it on-line
fill out an online form & submit, the $$$ is direct deposited to my bank account in < 24 hrsLee Lau - xxx-er is the laziest Asian canuck I know
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02-05-2020, 10:31 PM #47Registered User
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02-06-2020, 07:29 AM #48Registered User
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Yep, the office can still submit it to your insurance.
I guess I shouldn't say those dentists are better though, there are a lot of good dentists in the world and many take insurance. I just feel like those are generally the better offices. Whatever you do, avoid corporate dental offices like Comfort Dental.
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02-06-2020, 12:37 PM #49
Whole lotta anecdotal talk and pontificating on the dental profession going on here. I thought we were all in the business??
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02-06-2020, 12:49 PM #50
I started with a strip mall dentist yesterday at the Bright Now chain. I really like this dentist and staff. Read the Yelp reviews and took a chance. I’d been going to expensive dentist that I really liked but couldn’t afford without insurance. $475 for X-rays? I bought the Bright Now insurance and a cleaning is only $66 so I can go quarterly. Crown price is $999. I asked about other insurance plans and basically they said prices are rigged by the insurance companies so it will be about the same no matter what. A few hundred either way.
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