Page 3 of 3 FirstFirst 123
Results 25 to 34 of 34

Thread: Health Insurance

  1. #25

    Join Date
    Apr 2008
    Location
    Cleveland, Ohio
    Posts
    10,892

    Default Re: Health Insurance

    PO, are you getting a $800 refund on your Medicare Part B with your Federal BCBS basic?
    May the force be with us.

  2.  
  3. #26

    Join Date
    Oct 2008
    Location
    Stinking desert valley of bad air quality, AZ
    Posts
    2,933

    Default Re: Health Insurance

    Quote Originally Posted by nasa1974 View Post
    PO, are you getting a $800 refund on your Medicare Part B with your Federal BCBS basic?
    Yes for 2018 ($600), no for 2019 (wageworks.com says I am not eligible for 2019) and not yet for 2020. I have so much going on as far as insurance claims I have not gotten to why no 2019 refund. Thanks for the reminder.

    PO

  4.  
  5. #27

    Join Date
    Sep 2006
    Location
    Upstate NY
    Posts
    3,353
    Blog Entries
    45

    Default Re: Health Insurance

    Aww man what a mess. And I'm sure when you called you got some dumb message like, "Due to these unforeseen times, call wait times might be a little longer." Like it's any more effort to answer a phone whether offices are shut down or not.

    To me, dental just never seemed like a good deal. Had MetLife for some 10 years and unloaded it years ago. Just been using FEP Blue to cover basic dental costs since. I remember paying something like $20-25 a paycheck and had nothing but cleanings. No co-pay, but big deal, a co-pay is only $30, so we were throwing money out the window.

    FEP Blue did change their X-ray policy out of nowhere and I got dinged with something like $80 for an x-ray. Turns out, they cut most x-rays down to one every three years and the dentist didn't realize it. (Fine print in a 300 page disaster of a pdf file.) A few weeks ago dental assistant said, "okay, time for your x-ray" and I declined because I'm not sure if it would have been covered.

    Never had any catastrophic or major dental so I don't know how it would all work out but I doubt MetLife would have paid for much. We paid for orthodontics out of pocket under FEP Blue and it wouldn't have been covered completely even if we still had MetLife. I think you needed to have coverage for a few years prior before using for orthodontics so that's another thing to keep in mind before jumping around. You might not even be able to use the insurance unless you've been on their books for two or three years.


  6.  
  7. #28

    Default Re: Health Insurance

    I have BCBS basic, and Aetna dental. Love Aetna? Maybe like? It helped out when I needed a crown, my wife needed a couple crowns, deep cleanings, fillings etc. I believe they also cover for out of network dentists but you'll pay more than an in-network provider.

    My dentist submit everything to BCBS first, BCBS denies the big stuff, then my dentist submits to Aetna. Not sure if this is a good thing, but my dentist thinks Aetna is good. It's just the sucky thing of comparing percentages of what each will cover, and whether your dentist will charge more for the agreed upon rates between provider and insurance company for the services.

    Had it for a while. maybe 10+ years.

    James - so I assume you'll be coming out of retirement for a year or so to pay for those dental procedures..

  8.  
  9. #29

    Join Date
    Apr 2005
    Posts
    14,288
    Blog Entries
    12

    Default Re: Health Insurance

    Quote Originally Posted by jonfresno View Post
    .

    James - so I assume you'll be coming out of retirement for a year or so to pay for those dental procedures..

    No way. I DO have a few sets of pliers around. Not sure if locking Vice grips are the right tool for wisdom teeth, but Iím willing to give it a shot.


    Sent from my iPhone using TSP Talk Forums

  10.  
  11. #30

    Join Date
    Jun 2004
    Location
    Boiled Peanut, Georgia, USA
    Posts
    66,897

    Default Re: Health Insurance

    I have GEHA, had all of my stinkin' teeth pulled last year. They pay half! $85 a month!!!
    10/20/2021
    LS CRUDE Oil
    =$83.87 a Barrel, Daily Status +$.91

  12.  
  13. #31

    Join Date
    Oct 2008
    Location
    Stinking desert valley of bad air quality, AZ
    Posts
    2,933

    Default Re: Health Insurance

    Quote Originally Posted by jonfresno View Post
    I have BCBS basic, and Aetna dental. Love Aetna? Maybe like? It helped out when I needed a crown, my wife needed a couple crowns, deep cleanings, fillings etc. I believe they also cover for out of network dentists but you'll pay more than an in-network provider.

    My dentist submit everything to BCBS first, BCBS denies the big stuff, then my dentist submits to Aetna. Not sure if this is a good thing, but my dentist thinks Aetna is good. It's just the sucky thing of comparing percentages of what each will cover, and whether your dentist will charge more for the agreed upon rates between provider and insurance company for the services.

    Had it for a while. maybe 10+ years.

    James - so I assume you'll be coming out of retirement for a year or so to pay for those dental procedures..
    I should have read your reply on 10/13/20 more carefully. I checked today on BCBS Basic and yes they do pay for two exams and cleaning a year and one xray every three years. I never knew that and afaik my dentist has never submitted a claim to BCBS. BCBS rep states it has covered cleaning and xrays forever. Metlife FEDVIP dental rep says submitting claim to BCBS is a new directive this year from OPM. So I think wtf? Or my goodness. Or something like that.

    As my usual procrastination has brought me to 4 hours before the end of open season, SWMBO is asleep and I will not make a change without her approval, looks like MetLife is it for another year. I am still somewhat mystified about why in 2019 and previous years my dentist submitted claims to MetLife and Delta 2018 and previously that all claims were paid with no questions.

    I had a crown placed on a tooth my dentist had been suggesting for years as it probably was going to break someday. MetLife paid part and I paid $343. When you are 68 years old and your teeth still work and you donít have pain, you have to think of the value added for dental procedures. How many enhancements do you put in to something approaching itís end of life?

    Dental insurance will be continued since SWMBO likes to have lots of ortho procedures.

    PO

  14.  
  15. #32

    Join Date
    Apr 2005
    Posts
    14,288
    Blog Entries
    12

    Default Re: Health Insurance

    Quick update:

    Last week I had a tooth flare up. I previously had a cavity on the side of the tooth, in a location my dentist said he could not fill. It finally got infected, and became horrendously painful.

    So I had the dentist yank it out. It took all of about two minutes for him to grab it with pliers, give it a few twists, and then it was gone. My screams were pretty loud, but in 30 seconds, the pain was gone, and I was good as new. Except for not having a molar there.

    I feel much better now, thank you.


    Sent from my iPhone using TSP Talk Forums

  16.  
  17. #33

    Join Date
    Apr 2008
    Location
    Cleveland, Ohio
    Posts
    10,892

    Default Re: Health Insurance

    Quote Originally Posted by James48843 View Post
    Quick update:

    Last week I had a tooth flare up. I previously had a cavity on the side of the tooth, in a location my dentist said he could not fill. It finally got infected, and became horrendously painful.

    So I had the dentist yank it out. It took all of about two minutes for him to grab it with pliers, give it a few twists, and then it was gone. My screams were pretty loud, but in 30 seconds, the pain was gone, and I was good as new. Except for not having a molar there.

    I feel much better now, thank you.


    Sent from my iPhone using TSP Talk Forums
    WOW!! U da man. Getting that tooth yanked with no pain meds.
    May the force be with us.

  18.  
  19. #34

    Join Date
    Apr 2008
    Location
    Cleveland, Ohio
    Posts
    10,892

    Default Re: Health Insurance

    Quote Originally Posted by PessOptimist View Post
    I should have read your reply on 10/13/20 more carefully. I checked today on BCBS Basic and yes they do pay for two exams and cleaning a year and one xray every three years. I never knew that and afaik my dentist has never submitted a claim to BCBS. BCBS rep states it has covered cleaning and xrays forever. Metlife FEDVIP dental rep says submitting claim to BCBS is a new directive this year from OPM. So I think wtf? Or my goodness. Or something like that.

    As my usual procrastination has brought me to 4 hours before the end of open season, SWMBO is asleep and I will not make a change without her approval, looks like MetLife is it for another year. I am still somewhat mystified about why in 2019 and previous years my dentist submitted claims to MetLife and Delta 2018 and previously that all claims were paid with no questions.

    I had a crown placed on a tooth my dentist had been suggesting for years as it probably was going to break someday. MetLife paid part and I paid $343. When you are 68 years old and your teeth still work and you don’t have pain, you have to think of the value added for dental procedures. How many enhancements do you put in to something approaching it’s end of life?

    Dental insurance will be continued since SWMBO likes to have lots of ortho procedures.

    PO
    At 68 I think all my molars are capped and I've had two teeth pulled and one root canal. At least I can chew a good steak. I have BCBS basic and GEHA dental. Been pretty happy with both. Even with dental insurance, mouth work is expensive.
    May the force be with us.

  20.  
Page 3 of 3 FirstFirst 123

Bookmarks

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •  
SPY (C Fund) (delayed)
Health Insurance
(Stockcharts.com Real-time)
DWCPF (S Fund) (delayed)
Health Insurance
(Stockcharts.com Real-time)
EFA (I Fund) (delayed)
Health Insurance
(Stockcharts.com Real-time)
BND (F Fund) (delayed)
Health Insurance
(Stockcharts.com Real-time)

Yahoo Finance Realtime TSP Fund Tracking Index Quotes