Dental for son?

[11cvolley]

Just got my son's ChampVA card in the mail. It says limited dental coverage. Is there a way to get dental coverage? He does have 3 cavities and may need braces in the future. Thank you for any help.

[Guest L]

Delta Dental is a great value.  The Price is fair, based on other plans. My daughter is a dental assistant who processes claims and she agrees that it is one of the better plans. None are free except 100% DV - but these days in my area - you are only allowed a visit every 2 years, unless there is a problem. Delta Dental I have a cleaning evey 6 mos with no cost. - preventative. ( I am on the second tier plan of $32 mo)

Edited April 27, 2018 by L

[Buck52]

broncovet,

are you sure champ-va will pay for co-pay dental?  her co pay is what Met Life don't pay  based on what the service are and what they allow!  I guess we could call champ.. be  spouse seems to think they don't cover the copay for dental service or prescriptions  unless it causes other health problems.

Edited April 27, 2018 by Buck52

[broncovet]

No, Buck, I posted they "might" pick up copays for dental, you need to call them.  I didnt say they would, I said they might.  

Here is the deal.  Insurance is designed not to be profitable to get sick.  So you cant get paid more than 100 percent of your medical bills.  Its usually less. 

However, when you have "2" insurance companies, they should work together to pay almost all..where one picks up most of it, and the other picks up co pays.  This is the justification for 2 insurances.  

Your wife apparently has delta dental And champva, and these should combine to pick up most of the tab.  Of course, this is a guess and I dont know.  

Edited April 27, 2018 by broncovet

[Buck52]

Roger that bronco

[wolfman48]

I am IU and I get my dental at the VA but I have federal dental for my wife and I which is expensive and i only keep it for her...I want to stop paying for me. What should I do about my wife? Delta Dental? 

[Oceanbound]

Growing up I had Cigna. 

Seems Delta Dental is ranked highly as well - https://www.thebalance.com/best-dental-insurance-providers-4169737

Now I have private ins through work but likely going to quit my job in one year because I'm 100% since I got out but not 100% yet. Plus go to the dental school across town twice a year for a student and the future hygienist to do a cleaning on my teeth.

Braces are a luxury not a right, so start saving for them for your kid. Mine were around around $3k growing up.