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dental insurance question

who's talking here?

Amanda 2
MRSBUHBUHBANKS 2
┌∩┐(◕_ 2
Nobia 3
OkiMom 1
Andrea 3
PoonStang 2
Annastasia 1
Chancey♥ 1
Bryn 3
*Shelbysmomma* 6
Nicole 4
lilloudymouth 5
xiaojun 1
leilei3915 1

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*Shelbysmomma* --- 9 years ago -

ok i am totally dumb when it comes to these things. i have tri care standard NOT prime. so i think im only covered for medical. to go to a dental place on 1 of the bases how do i go about getting dental insurance? does tri care have dental insurance or do i need to get another insurance provider for dental? please fill me in.oh and we are ARMY i dont know if that matters 

Andrea --- 9 years ago -

your dental is covered. 

*Shelbysmomma* --- 9 years ago -

how? if i dont have prime? 

Nicole --- 9 years ago -

Why don't you have Prime? Prime is free for active duty dependents. And the Tricare dental insurance is called United Concordia. You purchase it separately. 

Bryn --- 9 years ago -

Tricare does have dental http://www.tricaredentalprogram.com/tdptws/home.jsp and it's like 12$ a month. I have Prime but I have it JUST in case. And whether army of air force it is still tricare and you will be insured. I got this info from my dad upon getting married, he's a USAF Officer and has been in for 20+ years. 

Nobia --- 9 years ago -

Isn't it different here than state side (Dental). I have United Concordia that I signed up for about 3 years ago, I don't use it here, nor have I been asked about it when I've been to dental on Kadena (husband is USMC). I have always been on Prime and dental was not covered in the states other than the oral surgery I had at Cherrypoint. Other than that we've had to pay out in town. As far as Standard v.s Prime, I know many people who elect for Standard so they have options for where they receive their health care. For the cost of a co-pay they have alot more control over their medical care, which isn't a bad thing I don't think... 

*Shelbysmomma* --- 9 years ago -

well see the only issue im worried about is when i was in the states i assumed that my denatl was covered then got there and they denied seeing me bc i wasnt covered. so i didnt want that to happen again:( 

┌∩┐(◕_ --- 9 years ago -

Its covered here. I should know, I got thousands of dollars of work done for free. 

*Shelbysmomma* --- 9 years ago -

so even if i have standard its covered 

Amanda --- 9 years ago -

well how do you find out what you have?? i am covered completely when i go to the dentist, and we dont pay any money to the insurance at all.. 

*Shelbysmomma* --- 9 years ago -

ok now another question... anybody know the number to a dentist on kadena or lester? 

Bryn --- 9 years ago -

Amanda I forgot to mention to you, but dental is completely covered when you are overseas but once you go state side you aren't covered for it unless you get the dental coverage separately... After talking to my dad, he mentioned that. 

Bryn --- 9 years ago -

** Also Amanda you and Tristan have PRIME Tricare but when you go back to the states dental wont be covered. 

Amanda --- 9 years ago -

when i was in the states we never had to pay anything for me to go to the dentist, only if i went off base would i have a bill. 

┌∩┐(◕_ --- 9 years ago -

how is that possible? even on base i had a bill to pay 

Andrea --- 9 years ago -

Yea when you are overseas... you get dental automatically... you don't have to pay a cent as long as you go to a dentist on base. Once you are state side, you have to pay for the dental portion of the tricare plan. 

Nobia --- 9 years ago -

I didn't have to pay a bill on base at Cherrypoint MCAS. I had 3.5 wisdom teeth removed. But I did have to get a referral from my dentist OFF base to get the surgery done on base. 

lilloudymouth --- 9 years ago -

In the states it doesnt matter if u have prime or not dental is still seperate and you do have to pay for it. Overseas at least over here in Oki dental is FREE : ) 

lilloudymouth --- 9 years ago -

Oh I shoudl mention dental in the states is not free for dependants, it is for active duty 

*Shelbysmomma* --- 9 years ago -

ok so i just got off the phone with tri care dental aka united concordia. even if you have prime dental is still seperate. she told me to fill out an online enrolle=ment form and if its submitted by june 20th then my coverage will start july 1st. if anybody would like to call here is exactly what youd dial out to call 005345-1888-622-2256 hope that helps:) 

Annastasia --- 9 years ago -

so - can we go to dentist besides on kadena?? I have the unitd concordia - and have been trying to get in to the dentist for like 6 months ~ I need stuff done!! 

PoonStang --- 9 years ago -

You dont need United Con here... you just make an appt. I have had 2 root canals done here and have not paid one red cent. But in the states I have United Con. and I have to pay my portion which is usually about 50%-90% of what every your service is. While your here in OKI you dont have to have United Con to get work done and since they take $10+ dollars out of you or your husbands paycheck every time, I would wait to enroll in UNC until you return to the states. But if you call any of the base dental clinics they will make you an appt at NO CHARGE 

Nicole --- 9 years ago -

Dental here is provided, but on a space-available basis. It's recommended you keep your United Concordia just in case. I still have mine. We don't have it for our kids-we'll just pay out of pocket if necessary for them. You shouldn't have an issue for just a cleaning, although you're only authorized 1 per year (current dental standards and UC allow 2 per year) but for other more specialized work, you might be waiting awhile. I've heard of people being on waiting lists for procedures for over a year, since they are dependents, not active duty. So, if you have lots of dental problems, you might want to look into adding dental coverage. Also, I'd just double check if you are on Std what's covered. Most of us here are on Prime. (and you might want to consider switching to prime at least while here-it doesn't cost anything, and it's not like you have a whole heck of a lot of choices of providers anyways.) 

Nicole --- 9 years ago -

My hubby just told me also that if they have to refer you off base for dental treatment, if you don't have dental ins, it's out of your pocket. 

MRSBUHBUHBANKS --- 9 years ago -

DONT BUY DENTAL INSURANCE WHILE ON ISLAND!!!!! You dont need it everything is freeeeeeee here on island, in the states you need insurance but here its not worth it I was told to even un enroll in it and then re enroll in the states again 

PoonStang --- 9 years ago -

Yep, same with medical referals, if you have to go off base, (which I do) you have to pay for everything out of your pocket (which I do) but with medical stuff, tri care will pay you back for SOME of it... not alot, but any little bit counts...=) 

lilloudymouth --- 9 years ago -

But if you already have dental from the states your stuck paying for it whgile you are here, (the insurance not the work u have done here) Because we tried to cancel ours since its free here and they said no. 

lilloudymouth --- 9 years ago -

well we tried and they said no so I dunno what to tell ya lol. Then again the hubbs can be a procrastinator and I kept bugging him to do it so maybe he said that to hush me up haha. 

Nicole --- 9 years ago -

Yep, same with medical referals, if you have to go off base, (which I do) you have to pay for everything out of your pocket (which I do) but with medical stuff, tri care will pay you back for SOME of it... not alot, but any little bit counts...=) That's weird. If you have Tricare prime and you are being referred off-base, it should be completely covered. (If it's a service that Tricare covers of course....they don't cover fertility stuff or cosmetic surgeries, for example.) 

OkiMom --- 9 years ago -

Maybe this will help... In the States, dental is NOT a benefit of Tricare Prime, you must purchase dental insurance through United Concordia or pay out of pocket for dental care. Here on Okinawa, you are entitled to free dental care at a base clinic, however you are only allowed 1 cleaning per year. If you have a lot of dental issues, or would prefer to get more than 1 cleaning/year, you can continue paying for UC insurance & go off base for dental. lilloudymouth: You can absolutely cancel your insurance!!!! They cannot force you to pay for coverage you do not want. I canceled mine when we arrived in Oki, but I have good teeth so I'm not worried about needing any extra care. One note though... if you travel to the States, you will not be covered for dental while there. 

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