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Federal dental plan
December 11, 2023
10:11 am
serendipity
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December 11, 2023
3:08 pm
cgouimet
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Other than OHIP, I am self-insured for medical expenses as I do not have any medical insurance of any kind and no pension plan. But I pay taxes to pay for this dental plan from which I will get no benefit because my life-long decisions leave me apparently now making too much money to qualify for what I pay for.

So, while I'm a liberal supporting person, I supprisingly have no will or interest to support this!

CGO
December 11, 2023
3:19 pm
Dean
Valhalla Mountains, British Columbia
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.
The Biggest benefit I see in this plan is for dental work & services
for Kids in low-income families.

That part I can support.

My Two Nickels,

    Dean

sf-cool " Live Long, Healthy ... And Prosper! " sf-cool

December 11, 2023
3:34 pm
cgouimet
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Other than OHIP, I am self-insured for medical expenses as I do not have any medical insurance of any kind and no pension plan. But I pay taxes to pay for this dental plan from which I will get no benefit because my life-long decisions to look after myself now leave me apparently now making too much money to qualify for another program I pay for; like so many other initiatives...

So, while I'm a liberal supporting person, I have no will or interest to support this!

CGO
December 11, 2023
3:35 pm
cgouimet
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cgouimet said
Other than OHIP, I am self-insured for medical expenses as I do not have any medical insurance of any kind and no pension plan. But I pay taxes to pay for this dental plan from which I will get no benefit because my life-long decisions to look after myself now leave me apparently now making too much money to qualify for another program I pay for; like so many other initiatives...

So, while I'm a liberal supporting person, I have no will or interest to support this!  

My rant, I suppose!

CGO
December 11, 2023
3:48 pm
cgouimet
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Dean said
.
The Biggest benefit I see in this plan is for dental work & services
for Kids in low-income families.

That part I can support.

My Two Nickels,

    Dean

  

I too grew up without funding for dental care other than some guy with a rusty 110V 1/4" Black & Decker. And that is now costing me lot out of my own pocket in uncovered dental care.

CGO
December 11, 2023
5:11 pm
semi-retired
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cgouimet said

I too grew up without funding for dental care other than some guy with a rusty 110V 1/4" Black & Decker. And that is now costing me lot out of my own pocket in uncovered dental care.  

Don't forget the Mastercraft pliers.Back in the day you didn't save teeth,you pulled them.

December 11, 2023
7:20 pm
althisa
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semi-retired said

Don't forget the Mastercraft pliers.Back in the day you didn't save teeth,you pulled them.  

The lived experience of inadequate dental care when we were young, and combined with the lived experience of how that costs us when we are older, not only financially but in terms of quality of life, would make me a supporter of the policy.

The government does not get it right all the time, but this one is in the right direction, given the comparable OECD country coverage of dental care.

December 11, 2023
7:29 pm
RetirEd
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Hey, I can remember before Medicare covered us. It really sucked. I am 100% cool and happy with the modern medical care era. Some people do carry extra medical insurance, their choice.

Other than the probable cost of dental coverage, I think we will all feel the same about it once it's well established and we stop regretting all we've already spent on our dental history.

Semi-retired:

Don't forget the Mastercraft pliers.Back in the day you didn't save teeth,you pulled them.

...And those pliers come with a lifetime guarantee, unlike the teeth!

cgquimet:
We old folks have rapidly rising dental bills too, and most of us aren't offered dental insurance because of our age.

RetirEd

December 11, 2023
11:41 pm
cgouimet
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althisa said

The lived experience of inadequate dental care when we were young, and combined with the lived experience of how that costs us when we are older, not only financially but in terms of quality of life, would make me a supporter of the policy.

The government does not get it right all the time, but this one is in the right direction, given the comparable OECD country coverage of dental care.  

Yes but ... It needs to be universal ...

CGO
December 12, 2023
7:39 am
want8tracks
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If someone cannot afford groceries, rent, or utilities, How does this help them? Their oral health may be the least of their worries. Meanwhile, our taxes will go way up.

December 12, 2023
7:42 am
cgouimet
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want8tracks said
If someone cannot afford groceries, rent, or utilities, How does this help them? Their oral health may be the least of their worries. Meanwhile, our taxes will go way up.  

A Dental Plan is a good idea for a whole lot of reasons. But, it needs to be universal just like our Health Plan.

CGO
December 12, 2023
7:43 am
Alexandre
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It is a good idea. I always asked myself why Canada has provincial medical insurance (OHIP in Ontario where I live), but not dental.

Crunching numbers, I think they probably underestimated expense in the budget, especially for the first year when uptake will be the highest.

I know I am going to say something controversial for some of folks who frequent this forum, but this federal dental plan is yet another step on natural evolution of capitalist society to communism. You know, society where people don't need money to *legally* get things, because their government will provide.

December 12, 2023
7:52 am
Alexandre
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want8tracks said
If someone cannot afford groceries, rent, or utilities, How does this help them? Their oral health may be the least of their worries. Meanwhile, our taxes will go way up.  

If you contributed just enough in your lifetime to receive even just $5/month in CPP (5 dollars monthly from Canada Pension Plan, not a typo), you married and your wife did not work at all in her life, you both are 65 or older and live in Ontario - you'll be getting $3,000/month in federal and provincial payments for two of you combined.
That money comes without any taxes attached, which means at modest 20% tax rate it is equivalent to $45,000 salary.

While that can't provide you with luxury living, assuming you were smart enough to get your own house paid in full by the time you retired is enough for modest but decent senior living. With only unpredictable dental expense, which federal government now will take care of (mostly).

December 12, 2023
7:55 am
cgouimet
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Alexandre said
It is a good idea. I always asked myself why Canada has provincial medical insurance (OHIP in Ontario where I live), but not dental.

Crunching numbers, I think they probably underestimated expense in the budget, especially for the first year when uptake will be the highest.

I know I am going to say something controversial for some of folks who frequent this forum, but this federal dental plan is yet another step on natural evolution of capitalist society to communism. You know, society where people don't need money to *legally* get things, because their government will provide.  

About the uptake ... The only material uptake I'm expecting is from those currently getting dental care now qualifying for Federal partial or full "subsidy". But people currently not getting dental now wanting dental care because of the subsidy may have difficulty getting it considering the current supply-demand issues in that "business" ...

CGO
December 12, 2023
8:18 am
Alexandre
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cgouimet said

About the uptake ... The only material uptake I'm expecting is from those currently getting dental care now qualifying for Federal partial or full "subsidy". But people currently not getting dental now wanting dental care because of the subsidy may have difficulty getting it considering the current supply-demand issues in that "business" ...  

You make good point with which I can only partially agree. My dentist retires this month, and their office is 10 minutes drive from me. I checked, three other dental offices in 10 minutes drive or less from my house take new patients.
That supply-demand issue you are talking for dentists must be localized.

From the other hand, people who can afford to pay for dental services from their own pocket, like I am, or from other dental insurance services - they'll be wise to get their regular checkup and what else now, before initial backlog of patients starts booking time with their dentists.

December 12, 2023
8:20 am
mordko
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A good idea if the government has lots of extra money. As it is, this is a terrible idea.

I am also concerned that careful management by bureaucrats from Ottawa will turn a really good dental care system we have right now into something similar to our healthcare system which is atrocious.

December 12, 2023
8:22 am
cgouimet
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Alexandre said

You make good point with which I can only partially agree. My dentist retires this month, and their office is 10 minutes drive from me. I checked, three other dental offices in 10 minutes drive or less from my house take new patients.
That supply-demand issue you are talking for dentists must be localized.

From the other hand, people who can afford to pay for dental services from their own pocket, like I am, or from other dental insurance services - they'll be wise to get their regular checkup and what else now, before initial backlog of patients starts booking time with their dentists.  

Good for you. Our dental office for the last 30 years, is booking 6 months out. So any issues that arise are dealt with day-to-day cancellations.

CGO
December 12, 2023
9:04 am
serendipity
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Keep in mind. The plan will be managed by Sun Life. Cha ching

Dentists get more business. Cha ching

Private medical and dental plans. Cha ching x 2

Plan is only available to those not on a private plan. How is that controlled? And will companies phase out covering dental? And any one paying out of pocket for a plan, will they continue to do so?

When my company went bankrupt I lost a portion of my pension and all my benefits including discount, medical and dental. That was a large amount shifted back to me. Some people don’t realize the value of those benefits. We were given suggestions of two companies to move our medical and dental to. After reviewing what our needs had been in the past and reviewing basic and middle plans I decided to self insure and it works well, so far. If you study the plans, you will see the value isn’t that good. And I believe at 71 you can no longer enrol to a plan as a new entry. Although you can continue to be on an existing plan if you are 71 or older. Most plans for medical force the use of generic drugs. And I found that some generic drugs have some unwarranted price increases, so don’t trust that generics will always be low cost. I have moved our dental visits to every 8 months from 6 months. My dentist no longer milks my plan with unnecessary work as most do. Cha Ching That’s a whole other story. I don’t know about the communist comment as other very social countries that cover dental and day care etc actually penalize you if you don’t see a dentist every 9 months. But I do agree that all levels of government, in some areas, are in our face unnecessarily. Only if government could be simplified and less costly. Or, ha ha, be as is and have some balls to be effective!

I do believe good dental care is good for your overall health.

Most provinces have a dental fee guide. How does that work now? A federal guide set by government by region? Or will it stay as is and customer has to pay the difference.

December 12, 2023
10:23 am
AltaRed
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Overall, as in an earlier post by another member, I am supportive of a plan that gets kids teeth taken care of. It is an important part of getting a decent start in life when one launches into adulthood and supposedly becomes responsible for themselves.

My parents either could not afford, nor seemed to be all that concerned, about dental health and my bro and I both had poor teeth by the time we became adults. It causes one to suffer needlessly and at great expense with too many crowns and caps at too young an age. They last only so long before replacement and there comes a point where they cannot be replaced. Then we end up with either gaps or expensive dental implants.

I am far less interested in providing socialized dental care for adults who should be standing on their own feet.

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