as someone who has spent immense sums fixing my teeth even with dental insurance, anything we can do to move them out of the luxury bones category is a welcome development
yeah when i looked at the cost of getting dental insurance via ACA marketplace, the cost per year was more than just paying for 2x dentist appointments/year, and the maxes they'll pay are so low that it felt like buying it was a scam
I've spent months fighting our dental insurance over paying for sedation for my son's dental surgery. I won! Only to be told he had reached his $1600 per year max.
$1k per year in this house would be laughably useless. We all have terrible teeth.
ADA opposed its inclusion during negotiation of the 1965 Social Security Amendments. They have stymied efforts since to include it legislatively under such bills as the the ACA and the 2021 Medicaid expansion.
Vision coverage was not deemed essential in 1965 so has historically been excluded.
Private insurance follows this model. I hate that I have to submit two claims for Vision/Dental under the federal employee plan: primary medical pays very little or denies it so the secondary insurance can then handle the claim.
Many providers in our area won't even handle the two-insurance format.
unfortunately. it’s just ridiculous the whole structure is set up the way it is. we should just help take care of people so our communities are healthy not bc who holds more political weight or capital
Adding on, because there is a historical reason. Doctors and surgeons in Europe used to be separate, doctors were much more prestigious. With autopsies destigmatized in the 19th cent, doctors took over most surgeries, but tooth disease were so common and the solution so quick (just yank the tooth)….
that educated doctors didn’t want to deal with them. If you needed a tooth out a burly guy just pulled. Over time dentistry got more sophisticated but the distinction stayed. Eye care is a similar split—the first eye specialists were lensmakers, who specialized in grinding glass, not medicine.
I’m pretty sure my dentist’s yacht is named after me, but yeah, getting teeth (and eyes!) to stop being in the Optional Bonus Health category would be great
As others have pointed out we need like five kinds of head insurance
-- basic physical stuff
-- mental stuff
-- ear stuff
-- eye stuff
-- death stuff
Obamacare grouped some basic levels of the first two together.
But also that! Currently nursing home coverage, palliative care, memory care and hospice are “first go completely broke and THEN we’ll see about finding a hole to stuff you in.” Enough to make you want to … die.
and there's some research pointing out how bad dental health harms other parts of health. Here's some physical health stuff, but if your teeth hurt you're neither focusing nor comfortable
www.mayoclinic.org/healthy-life...
I recently got a letter that due to my insurance changing, I won't be able go to the Dentist I've seen for 10 years any more, at least not as the same discount level.
So uh, yeah. F insurance companies. Get'em out of here.
As someone presented with the choice of fixing his teeth or paying for IVF, it would be nice to not have to deal with things actively rotting in my skull.
No kidding. I have a medical issue that causes dental problems. I have spent a small fortune on my teeth even with dental insurance and my medical refuses to cover the issues despite it being a systemic problem.
That would be wonderful. Dental insurance is largely purchased by people who need it or as a corporate benefit, which means it's expensive and limited. A mandate would be really helpful.
two years ago i spent like $9k on wisdom teeth extraction that had bad complications and i got quoted $20k last year to correct the issue which i couldn’t afford to do. dental insurance said they could knock off $2k from negotiated price and cover $1k which i couldn’t/can’t afford still
me: [group plan since 2009, goes to aca dental for 2024]
mr p: [needs a crown]
delta: oh, we don’t cover those until you’ve had continuous coverage for 12+ months
me: how ‘bout 14y w seamless coverage?
dd: well, how would we know that. prove it.
me: how?
dd: get a letter from us saying you had it.
they covered it after i called the same number, they emailed me the letter, & i forwarded it back to them.
comparing the cost of premiums + coverage maximums w our expected usage plus 1 big dental event per year, i’m not sure if i’ll continue with dental coverage.