Dental Insurance - under 65 years old

[TechWriter]

Originally Posted by grantmnc

We are full timers and retired. We are both under 65 and are looking at dental coverage options . . . I am thinking we may just pay as we go. I've seen others on this forum suggest this as an alternative. Obviously, it's a bit of a gamble in case of a large issue.

First, since you’re full timers, Medicare Advantage plans are probably not a good option since these plans may not cover you nationwide — which is why full timers typically select standard Medicare A and B . . . but since you’re under 65, you can’t get Medicare yet . . . a fact overlooked by most responders in this thread.

We haven’t had dental insurance for about 10 years and use pay as you go. It ain’t cheap, but we both do yearly checkups with the usual x-rays, cleaning, etc. The big ticket items are crowns. I had two for about $1000 each. Most expensive for me was an abscess for about $1500.

[lonfu]

Originally Posted by TechWriter

First, since you’re full timers, Medicare Advantage plans are probably not a good option since these plans may not cover you nationwide — which is why full timers typically select standard Medicare A and B . . . but since you’re under 65, you can’t get Medicare yet . . . a fact overlooked by most responders in this thread.

We haven’t had dental insurance for about 10 years and use pay as you go. It ain’t cheap, but we both do yearly checkups with the usual x-rays, cleaning, etc. The big ticket items are crowns. I had two for about $1000 each. Most expensive for me was an abscess for about $1500.

Plan a trip to Los Algodones, Mexico...... Alberta Dental charged me $400 for Zirconia crown including install. $250 for root canal. If 3 roots then $300. Last trip we saved $17,000.00 in dental costs. This trip $8000.00... more than enough to pay for the trip and a long long vacaa. And the service is soooo much better....

[lonfu]

Originally Posted by computerguy

Only one comment on the FL vs SC "residency" thing in this thread? I'd be concerned about that more than dental insurance.
I hope you have your T's crossed and i's dotted on that.
One cannot just claim residency somewhere and have property elsewhere. Some states actually have subpoenaed cell records to prove where you really are living. Domicile is real and states are catching on and enforcing laws.
Best of luck to the OP.

Not once have I read or seen any documentation of an residency issues unless folks were intentionally trying to defraud the feds. or states by switching states every year. WE have property in several states and have kept our residency in the same state for the last 53 years while often being out of our home state for much longer than 6 months. We have had to file state income tax forms for several state's when we have had income in more than one state.

Point is, you have to choose a state to claim residency, get an address and don't try to escape taxes. If you have income sources in several states, good chance you will have to file tax returns in each of those states or the tax man will cometh several years later, especially if it is rental properties, as they are often considered commercial businesses in the eyes of the state tax man. The penalties are what will cost you....

[lonfu]

Originally Posted by twogypsies

I've had 3 replacements... 2 knees and a shoulder and paid -0- with a Medicare supplement.

He is only 50 with no medicare... just got tired of suffering and didn't want to wait 15 years.