John from Ham Lake asked this great question.
According to Lynn Blewett, a health economist with the University of Minnesota, health insurance first started out as catastrophic plan with high claims and not much preventative care. She said Medicare followed this model.
Over time, more benefits became negotiated, but dental was never included. Routine dental is much cheaper and most people can pay for that, so dental is a separate insurance. Accidents and TMJ are often included in medical insurance. For people on Medicaid, dental is included.
Experts with the Minnesota Council of Health Plans say dentistry has a different mindset than medicine –- dentists are more independent and more like to charge privately.
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