Medical vs Dental Insurance

To start, I'm not knowledge about insurance beyond the basics so I'm hoping someone can help us.

A friend of mine has terrible teeth – a combination of genetics, neglect and abuse when she was younger, later damage from domestic abuse, and more neglect due to a combo of phobia and mental illness.

She's now in a position where she's only got a few teeth left. Solid food is a challenge for her. She goes through occasional bouts of jaw pain and I've just find out she's been getting abscess on her gums. Aside from the health risks of the probable infection, it is truly becoming a quality of life issue for her.

She's aware of the issues and knows it needs taken care of. She's actually being rational about the whole deal, telling me that she doesn't go to the dentist because of her fear not just of dentists, but of the financial aspect.

I'm looking to help her get through this. The phobia part is a separate matter, but the financial part I'm trying to work with her on with little experience or knowledge of how everything works. I know her insurance is through work. She has a good health insurance (BCBS) and she has Delta for dental. Her explanation on the financial is that Delta only paid for like $2000 and after that, it's all on her to pay for. That doesn't sound right to me, but I'm telling her word on that.

So, my question is – insurance-wise – if and when does sometime like this move from something dental (where they only pay $2000) to something medical (where she's only paying $1,500 out of pocket)?

Any info is truly appreciated. Thanks!

submitted by /u/IIIlllIIllIlIIIlll
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