Do you think that dental work should be covered by regular health insurance plans?

Question

I don't see why it isn't already. If your teeth get too bad, it can affect your brain. Are there any health insurance plans that include dental, or do you always have to get dental separate?

Answer 1

Dental Insurance policies are separate from Health Insurance. Most policies will allow you to buy a rider including dental, but even still the policies rarely cover 100% of everything you need done or they have a low maximum.
It would make life so much easier if dental was included on the health insurance, but for some reason teeth and eye are considered separate.
I have worked with policies that are supose to cover dental if the dental procedures are a direct cause of an accident and still they require the sun, moon and the stars before they will pay and they only give an alotted time for all the work to be completed.
If you have ever visited a nursing home you can see just how important teeth are for those who are frail and need to take in nourishment, it can come down to a life and death issue, what a shame.

Answer 2

It depends on what dental work is done. Most dental surgical procedures are already covered under the health plan, even though the policies are separate. Some insurances cover both, but the dental is still an additional fee and an option.

Answer 3

Personally, I don't have very good dental insurance. Oral surgery isn't covered and I only got about $30-40 from insurance for my wisdom tooth extractions which were probably around $100 each.

Answer 4

I think if it becomes a medical problem then the dental will be covered (like TMJ or impacted wisdom teeth). Other than that it is not considered a medical issue to have your teeth cleaned and cavities filled so why would they cover it. I think having dental coverage is preventative and medical insurers are not willing to be that preventative I guess.

Answer 5

The dental has always been separate in my experience. My problem with the dental coverage is the cap on coverage is low on most plans (like $1500 or something). If you need expensive things like crowns and stuff, you are going to have to cough up some money.

Answer 6

MOST DEFINITELY! I pay only $38 a month for complete family medical care (with a very small deductible) and my insurance pays several thousands of dollars a year in medical expenses. My dental insurance family plan is $105 per month, and has only paid about $2000 in expenses in the past four years! Something is not right here!

Answer 7

Dental is always separate. Bony impacted wisdom teeth is the only dental procedure covered under medical.

Answer 8

yes i think dental work should be covered by regular health insurance.

Answer 9

i think health insurance should cover health, dental, and vision. unfortunately, the hmo's control what they do/don't cover and how much you pay for it.
personaly, i'de pay a higher federal income tax to have the gov provide complementary (tax payed) health, dental, vision like they do in other countries as covered by the movie sicko.

Answer 10

People who's teeth rot out of their head are feeble-minded to begin with. That's why they gorge on sugary junk food and soda, and never brush their teeth. Sure, rotten teeth might effect the brain, but these people didn't have a fully functional brain to begin with. How about when these idiots blow up to the size of a 450 Lb blimp due to the horrible diet they eat? They I guess we will have to pay for gastric bypass surgery, too? Let's just pay for cyanide pills to put these people out of their misery to begin with.