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Started By
Message
re: Dental Insurance not from an employer?
Posted on 4/16/25 at 10:29 am to Woolfpack
Posted on 4/16/25 at 10:29 am to Woolfpack
quote:
I want to find a Mexico doctor/dentist. Fly in once a year and get all the labs and stuff and dental and everything and enjoy a week in Mexico. But I dont want to get stuck with dirty needles and stuff.
My wife had about $20K worth of dental work done in Mexico (Juarez) for about $5k and it was mostly covered by our BCBS dental plan. The same dental group that did the work has offices in El Paso for those scared to cross the border. It would be about $20k in their El Paso offices. They corrected a bunch of shoddy work done over the years by dentists in the states. They were all licensed to practice in Texas, were trained in the states and were fully accredited and had a long storied history or providing high quality dental care at affordable prices. She went to these appointments on her own, most of the time they would pick her up at the border and take her back to the border but a couple of times she crossed and drove to the clinic. It is perfectly safe.
I have a friend who had gastric bypass surgery in Juarez. Same situation, it was going to cost him about $100k in San Antonio (out of pocket, insurance would not cover it). Had it done for $18k complete and out the door by the same surgeon in Juarez at a state of the art hospital. Same situation, doctor trained in the states, worked in San Antonio and Juarez as well as a couple of other cities in Mexico. It is perfectly safe.
0
Posted on 4/16/25 at 10:45 am to BeauxNArreaux
quote:
Most of the time you’re best off to self pay.
Until you need root canals and crowns.
Posted on 4/16/25 at 10:50 am to Fishwater
is this a good thread to ask wtf is dental insurance separate than medical?
Like teeth aren’t part of our body and don’t affect our health.
Like teeth aren’t part of our body and don’t affect our health.
Posted on 4/16/25 at 11:01 am to Fishwater
I read an article many years ago that opined that dental "insurance" is not really insurance. Insurance is an agreement whereby you pay someone else to accept a risk you have. A dental policy is just a contract where you give the company some money, they deduct a portion for themselves and then pay the remainder your money back to you. The limitations of benefits means the company does not accept any risk.
Posted on 4/16/25 at 12:14 pm to Fishwater
MY dental and vision was included with my work provided insurance. The best thing they had was being able to designate part of your paycheck to a debit card before taxes. If you knew you were going to need to replace crowns, you could have them take a small amount out of your check every pay period, and use the card for the work. I've had three caps and one false tooth since the 6th grade. They had to be replaced twice in my lifetime. The second time I replaced them, I planned ahead and did it that way.
I'm on Medicare now and have Blue Cross supplemental insurance. They give you a similar debit card with $1500 on it for over the counter items, but $400 of the $1500 is for glasses. I've been on the same eye glass prescription for 10 years, but get new glasses every couple of years. Why not when you can get $600 glasses for $200.
I'm on Medicare now and have Blue Cross supplemental insurance. They give you a similar debit card with $1500 on it for over the counter items, but $400 of the $1500 is for glasses. I've been on the same eye glass prescription for 10 years, but get new glasses every couple of years. Why not when you can get $600 glasses for $200.
This post was edited on 4/16/25 at 12:17 pm
Posted on 4/16/25 at 12:20 pm to La Place Mike
quote:
Until you need root canals and crowns.
Even then it’s still generally true.
Most plans have a waiting period before they’ll cover “major work”. Usually 12 months. So you pay premiums for a full year for essentially nothing, and then in the second year you can get insurance to contribute up to 1k-1.5k, which by then you’ve spent more or less that amount in an extra year of premiums.
Posted on 4/16/25 at 1:33 pm to BeauxNArreaux
quote:
Most plans have a waiting period before they’ll cover “major work”. Usually 12 months. So you pay premiums for a full year for essentially nothing,
Most have waiting periods but not all.
How much do you charge for root canals plus crowns and do you do them on credit?
This post was edited on 4/16/25 at 1:34 pm
Posted on 4/16/25 at 5:47 pm to ChatGPT of LA
quote:
No. You paid 238 plus however many months of $47 payments you have and will pay. I would imagine you had a minimum of 6 mos waiting period before using. Most major procedures is usually 1yr wait.
Nope, i joined in January specifically just to get my wisdom teeth out. I’ll get like 4 more visits out of it and cancel it. I’m free to join back after 12 months
Posted on 4/16/25 at 9:04 pm to La Place Mike
Root canals cost vary based on which tooth it is, but roughly 900-1500. The core and crown is roughly another 1500. So about 3k all in.
For known patients with a good history I’ll do informal payment plans where we break it into payments over a few months, otherwise we do care credit.
For known patients with a good history I’ll do informal payment plans where we break it into payments over a few months, otherwise we do care credit.
Posted on 4/17/25 at 8:01 am to ImJustaBoy
quote:
Nope, i joined in January specifically just to get my wisdom teeth out. I’ll get like 4 more visits out of it and cancel it. I’m free to join back after 12 months
Ah, one of those guys. You basically stile from all the others who pay.
What a jerk
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