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    You’ve just been rated 100% disabled by the Veterans Affairs. After the excitement of finally having the rating you deserve wears off, you start asking questions. One of the first questions that you might ask is this: It’s a legitimate question – rare is the Veteran that finds themselves sitting on the couch eating bon-bons … Continue reading

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Dental For Spouse


Does anyone know when the Dental program for the spouse of a 100% disabled vet will start and what will it consist of ?

I hope I am on the right place to post this and I did not cut someone else off. Thanks and Happy new year.

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I lost the info I had, but there is a CHAMPVA program for dental. Go to the CHAMPVA website and it will tell you. It was not worth the premium for us. There is a waiting period for major dental (crowns etc) and the premium was higher than local programs we could find. It was suppose to start Jan. 1 2014.

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The CHAMPVA site has a MetLife number to call and I quess they could tell you the premium amount and what it covers.

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I think there is an annual limit of around 1500 bucks. This will not even pay the cost of a root canal and a crown. You get a better deal from American dental plan which just directs you to dentists that give you a break on costs. If you get one implant that is about $3000 if you go to a qualified dentist and not some hack.


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Check out the links in jbasser's post, see what makes sense for your situation.

For most Vets, the Metlife High Option Plan makes sense:

- It has a $3000 per person annual limit

- NO waiting period for anything other than orthodontics.

- $3000 will pay your cost share for $6000 worth of major dental care.

- A network dentist will also have agreed to Metlife's fee reimbursment rate, meaning: your cost share for intermediate and major procedures will be for a fee significantly less than if you just walk in off the street. Also, if you exceed your yearly maximum, additional care will be billed to you at pre-negotiated network fees.

- Exams, xrays, and routine cleanings are covered at 100% and do not count against your yearly maximum per person.

- Emergency visit coverage, plus having a dentist who knows you and will accomodate you if you do have an emergency.

- A big benefit of a comprehensive dental insurance plan is to take full advantage of the preventive services offered: twice a year exam and cleaning, etc. Prevent major problems by ctaching them when they are not so severe.

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