Best dental insurace?

need implant surgery done, and looking for the best plan coverage the covers it.!!! I live in Ohio.

Best dental insurace?
Implant surgery is so expensive that it is generally NOT covered by any dental insurance.





Most of the time, the only way to get really good dental coverage is through your employer. When you buy dental insurance as an individual, there are deductibles and co-pays and annual maximums that you need to analyze in order to figure out when and if you will actually save money by having insurance coverage. Some of the premiums I have seen make it almost impossible to realize any positive cash flow from the related policy. I mean, at $60 a month with $100 deductible and $1,000 annual maximum, you will have to take $820 out of your own pocket before you realize one penny of "profit" or net gain from your dental insurance.





Then you have to calculate the effect of co-payements. Check the figures and do the math yourself.





Be cautious about buying or choosing a plan where you do not have any choice about the dentist you can see, because you just might not like the dentist(s) listed on the plan and then you are stuck for a year until you can get out of it.





Be cautious about buying a so-called "dental discount plan," often mentioned on Yahoo!, since they also have restrictive lists and they really are not dental insurance at all. Just be careful and understand what you are buying.





For many people who just can't get good dental insurance, a regular savings plan sort of like a Christmas Club with $20-25 a month deposited into a dedicated account will pay off when you examine the return over a lifetime. You may run way over your savings at first, but once you get your mouth straightened out, your annual expenses should not be more than a couple hundred dollars most of the time.





For major treatment, dental insurance is no great deal anyhow. They limit you to $1,000-1,500 per year, subject you to deductibles, co-pays, etc. Imagine if you were in a car accident and your carrier said, "Yep, it's a total loss. Here's a check for $1,500. Good luck coming up with enough money to buy a new car." Dental "insurance" should usually be considered a payment arrangement where you give your dollars to a large company who holds onto them until you say the secret word and manage to get a few of them back.
Reply:aetna is the only plan i know that covers them. they're expensive, but it's a numbers game and you get what you pay for. either way, you're going to pay for them, whether it's straight cash, or a discounted rate after paying an exorbitant premium for "good" insurance. nothing's free as far as medicine goes, and you pay for it one way or another. i personally skip dental insurance altogether, because nothing in the mouth is that catastrophic that it is less affordable than years of insurance+copays
Reply:I agree with most of what Dr.Sam says above....but I have begun to see more and more of the big companies (Delta, MetLife, Aetna) and some of the union plans cover implants.





As implants become a more common option to replace a missing tooth, insurance companies will eventually get on board.





When there is coverage, it is usually in the form of a "lifetime" benefit like ortho.





As for the question - if you do not have insurance offered by an employer, you're probably out of luck. Individual dental plans are hard to find and - as Dr. Sam correctly states - usually not a good return on investment.
Reply:Dr. Sam is the man! Yeah, go try to get a job with a company that offers dental. I co-pay like $13.50 a month for me and my three kids. It pays 100% preventive (checkup, cleaning) and 80% for most dental work, with $2000 yearly limit. It came in handy recently when my son sheared off two front teeth skateboarding. Nice new crowns at 11 years old....I'm in Ohio too!
Reply:Dental Surgery is very safe nowadays. It is very cheap in India. There is one company that is very famous in India that arranges Eye surgery for foreigners in India. They are called the Forerunners Healthcare. I read a lot about them in the Newspapers and about their patient stories.





I have also read that they arrange financing for American and Canadian patients, as dental surgery is not covered by insurance. They also have photos pasted of their International patients. You can checkout their website. The cost savings are incredible. As a doctor I personally believe that your surgery can be easily handled in India, as the quality of healthcare available here is simply best in the world. The surgeons are USA/UK trained and facilities are 5 star.





My cousin got her Dental and Lasik Surgery in India through the forerunners healthcare .She is more than very happy with the results. She just paid 25% of the amount she was quoted in USA and is all praise for this forerunners healthcare company. Hope this helps





http://www.forerunnershealthcare.com