Today I went to a dentist I found on a list of providers from my insurance carrier because I felt as though I had broken a tooth and I also know that I need work done. The dentist told me that although I have beautiful teeth, I need extensive work and would need to be referred to her associates who are not in my plan (endo and perio doctors) for some perio work and several root canals and crowns I would need. I asked for a ball park figure of what this would cost as I was prepared to pay it. She said with the insurance coverage (which she first said that my insurance company may or may not pay), it would cost close to $4,000.00. After a small gasp, I said "ok". I was then given a dental plan, which looked extremely extensive (19 entries listed) with a total cost of $5,800.00 at the bottom of the list a place and a place for my signature as "Authorizing Services". Then, I found out that this did not even include the perio surgery. Am I being ripped off?
Cost of Dental Work; Is This a Ripoff?
Dental work is really expensive I'm having 2 front teeth implants %26amp; that is costing me £3,500 plus I've already paid £200 for takig the fractured teeth out %26amp; false ones for now so grand total £3,700 thats £s not $s
Reply:N0!!
Reply:Don't get me started on dentists and their fees! You are obviously in the States, but they are the same here in the UK. Dental work costs an arm and a leg here, and it's a rip-off. And some of those guys are butchers, who will rip your tooth out and then proceed to rip the money right out of your wallet! And I'm pretty certain some of them are sadists!
Reply:Ekks..I think you need to be careful when the dentist throws out to "see my associates". Many dentists are quit honest and want the best for their patients,then some actually need to meet a monthly quota.Can you believe that! I'm not saying the dental office you were at is ripping you off but I hope you didn't sign that paper..
If you can seek another opinion? If not here are a couple of my ideas for you.
1)Can your dentist show you an ex ray or screen picture that would clarify this decision?can you see a big problem that needs attention now?
2)ask your dentist only to do the crown,that is if you had a broken tooth
3)Sometimes if you have a bad tooth that needs a root canal it don't always need a crown,at least not right away.
4)is the perio work needed now or can it wait till you can save more money
5)If you could get a discount for paying cash,then do one thing at a time
Remember,you get to make the choice if it is cosmetic then wait,just fix the painful cavities and cracks now
Reply:If you have extensive work, yes, it could cost that much. That is the result of putting off dental work. But...you can get second opinions too. And if you cannot afford it, call the local Salvation Army and see if they have any service for dental care...they do in a town here near me....or you could go to a dental school and be worked on by students and pay about half.
Reply:Actually from what you described it sounds like a good deal. Dentists/dental professionals have patients sign a release form for various reasons. 1. they want your permission to bill insurance for future services rendered 2. they want you to be aware of the treatment planned for you, by signing the tx plan you are saying I am aware of what needs to be done. (if you are not comfortable or don't understand something about your treatment don't sign it until you do understand) 3. this protects you, the dentist can't go back and add anything to the treatment plan without letting you know about it first. 4. treatment plans are drawn up with the doctor who is providing the service to you, the other doctors (Periodontist, Endodontist) will have their own tx plan for you to look over.
You are not being ripped off from what you describe, not in my opinion anyway. Your treatment plan sounds very reasonable. Compare your treatment with some of our patients who spend upwards of 10 to 20 grand, yours is the bargain. However at our office we offer cosmetic dentistry which can cost significantly more. Ask someone at your dentists office to go over the tx plan with you in detail so you understand it. If they are not willing or seem rude because you ask this than find someone else to do the work. You are a consumer and as such you have the right to understand what you are paying for.
Monday, November 16, 2009
Does anyone know of a good dental plan for florida that is reasonably priced?
I just got my dental proposal today from BlueCross and it is nothing more than rape. They want 53 dollars in 24 payments each year and get this, I will have no major coverage for 12 months. The only thing I will have is basically extractions, full mouth x-rays and sealants all at 80%. Preventive measures such as oral exams, cleanings and flouride treatments are covered 100%. The fee is based on a family of 3 or more. I'm thinking there has to be a more competitive plan out there even without the benefit of belonging to a group. Oh and when that major coverage does kick in after 12 months, it only pays 50%. I'm laughing through my tears! Any suggestions?
Does anyone know of a good dental plan for florida that is reasonably priced?
Your problem is sadly really common. Healthcare in america is going down the tubes but there is an option. How about a dental, vision, Rx, and chiropractic plan for only $11.95/month for an individual or $19.95/month for an entire household?
NO waiting periods!
NO claim forms
NO deductibles
NO limits on visits or services
ALL on-going conditions accepted
ALL specialists included! (laser eye surgery, cosmetic dentistry, orthodontics (except those already in progress) Everything!
Healthcare should be in YOUR hands not your insurance company. You CAN save BIG money everytime you see the dentist, optometrist, chiropractor or go to the pharmacy! We also have a health/medical plan if needed. The point is, this is the #1 dental benefits plan in America. It can help you, when I say $11.95/month I'm not kidding. Check it out, your plan can be used the day you sign up.
Rachele Burke
541-258-7148
more info: www.theaplan.biz/rachele
email and IM: starsalso@yahoo.com
Does anyone know of a good dental plan for florida that is reasonably priced?
Your problem is sadly really common. Healthcare in america is going down the tubes but there is an option. How about a dental, vision, Rx, and chiropractic plan for only $11.95/month for an individual or $19.95/month for an entire household?
NO waiting periods!
NO claim forms
NO deductibles
NO limits on visits or services
ALL on-going conditions accepted
ALL specialists included! (laser eye surgery, cosmetic dentistry, orthodontics (except those already in progress) Everything!
Healthcare should be in YOUR hands not your insurance company. You CAN save BIG money everytime you see the dentist, optometrist, chiropractor or go to the pharmacy! We also have a health/medical plan if needed. The point is, this is the #1 dental benefits plan in America. It can help you, when I say $11.95/month I'm not kidding. Check it out, your plan can be used the day you sign up.
Rachele Burke
541-258-7148
more info: www.theaplan.biz/rachele
email and IM: starsalso@yahoo.com
Is it normal to have this much in dental expenses at 23?
For 6 years I have been always trying to keep my teeth clean as possible. I have had a dental insurance that offered me 2000$ benefit per year and was under my parents. The coverage was 50%-80% of the procedure and each year I maxed out the insurance. I have had 4 crowns, 2 root canals, and over 15 fillings done in 6+ years. I think that probably now I would not qualify for any dental insurance individual plan as they would not accept me at all.
Is it normal to have this much in dental expenses at 23?
Some people just seem to have softer teeth than others, and sometimes they are more prone to decay. My oldest daughter had many cavities before she graduated from High School. Finally we had the fluoride painted on her teeth and this seemed to make a difference. I would certainly look into dental insurance though, some companies just furnish it along with health care at your job, or place of business. I understand that now it is very hard to get the insurance yourself separately from your job. A lot of people are taking this into consideration when they choose a place to work. Be sure and look at the total package, before you sign to work for anyone.
Reply:i feel your pain..i am in my late 20's and have had even more teeth problems then you have..i floss after every meal and brush 3 times like your suppose too
i have had a couple dentist tell me that some people just have bad teeth no matter what..especially if the mother didn't eat well or did drugs during the pregnancy but then again Ive had other dentist tell me that is complete bull
but considering i take good care of my teeth and eat well and still have had so many dental problems my whole life and my mother was a drug addictive and did drugs during her pregnancy i agree with the dentist about having bad teeth
Reply:It depends on the ins company. The funny thing about dental expenses is they are different for everyone. No telling how much you need. I have 3 crowns myself and more fillings than I can count. I don't think dental works like a medical "pre-exhisting condition". By the way-braces fall under orthodontics.
Reply:If your dental health is not favourable no insurance company will be willing to give you a cover, and things worsen if the office you work with is not subscribing to suitable plans. How to find a solution? Travel abroad. Look for dental implants, crowns, hotel stay and tour package in India or Thailand or Dubai. Good luck.
Reply:Some people get more cavaties because they constantly have a dry mouth. You need saliva to protect your teeth. A lot of medications cause dry mouth.
amc theater
Is it normal to have this much in dental expenses at 23?
Some people just seem to have softer teeth than others, and sometimes they are more prone to decay. My oldest daughter had many cavities before she graduated from High School. Finally we had the fluoride painted on her teeth and this seemed to make a difference. I would certainly look into dental insurance though, some companies just furnish it along with health care at your job, or place of business. I understand that now it is very hard to get the insurance yourself separately from your job. A lot of people are taking this into consideration when they choose a place to work. Be sure and look at the total package, before you sign to work for anyone.
Reply:i feel your pain..i am in my late 20's and have had even more teeth problems then you have..i floss after every meal and brush 3 times like your suppose too
i have had a couple dentist tell me that some people just have bad teeth no matter what..especially if the mother didn't eat well or did drugs during the pregnancy but then again Ive had other dentist tell me that is complete bull
but considering i take good care of my teeth and eat well and still have had so many dental problems my whole life and my mother was a drug addictive and did drugs during her pregnancy i agree with the dentist about having bad teeth
Reply:It depends on the ins company. The funny thing about dental expenses is they are different for everyone. No telling how much you need. I have 3 crowns myself and more fillings than I can count. I don't think dental works like a medical "pre-exhisting condition". By the way-braces fall under orthodontics.
Reply:If your dental health is not favourable no insurance company will be willing to give you a cover, and things worsen if the office you work with is not subscribing to suitable plans. How to find a solution? Travel abroad. Look for dental implants, crowns, hotel stay and tour package in India or Thailand or Dubai. Good luck.
Reply:Some people get more cavaties because they constantly have a dry mouth. You need saliva to protect your teeth. A lot of medications cause dry mouth.
amc theater
Can my employer legally refuse my spouse health insurance if he has coverage available if mine is better?
They will cover my husband for the 90 days until he is eligible for coverage through his new employer. His plan is from out of state and does not have many doctors and dentists in network as my plan. Also, my plan offers a dental and vision with doctors we already use. Can they really deny him coverage?
Can my employer legally refuse my spouse health insurance if he has coverage available if mine is better?
Like some of the answerers have said, it depends on where you live. Your best bet is to contact your state insurance department (link below), talk with the HR department, and even the insurance company itself. Even if you do manage to get your spouse on your health plan, you will probably have to pay for “plus one” coverage, which is often more than double what you’re paying now.
One factor that might be in play, again depending on where you live, is a rule that’s sometimes called “Coordination of Benefits,” which might make it okay for your husband to have insurance through his employer. For example, Ohio has a Coordination of Benefits rule that allows you to be covered by both plans. For you, your plan would be the primary plan and your spouse’s would be the secondary plan. The reverse would be true for your spouse. The insurance companies have to decide who pays for what. If you have children, the primary policy would be the one for whoever parent has the earliest birthday in that calendar year.
Barnes @ MostChoice
http://www.mostchoice.com/health-insuran...
Reply:They cannot refuse health insurance if you want him on your plan. Visit your HR office and talk first to the benefits manager, the the HR Manager and then if necessary the HR director.
Reply:Yes they can.
Atleast it is common in the Reno, NV area for a spouse's employer to refuse a spouse if they have their own insurance availability.
Don't know why; but, it happens.
Reply:Yes, he is legally supposed to use his health coverage and you can use yours. However, if you folks have children, then the kids can go with the parent who has the better benefits. But as far as this goes....it's his insurance he has to use. However there is a loop hole, if he cancels his insurance at his job, then he can go under your coverage. however the waiting and probationary periods will vary with different carriers.
Reply:I don't know if they can refuse him but they can make you pay for his coverage.
Reply:From what I know your employer is legaly obligated to offer "you" whatever he or she may have through the company. I know they can't deny you. But there might be some kind of weird loop hole if your husband already has his own. Get in contact with a lawyer.
Reply:Employers seem to have been allowed to get away with an increasing ammount loopholes with regard to insurance. I work for a sheriff's office and when I started they would not cover me until their open enrollment period began. They also have a policy that adds a surcharge if you place your spouse on your policy and your spouse is offered insurance through their employer. It is sick that everyone who works is not covered.
Reply:Call the department of Insurance in your state. I suspect the laws vary from state to state considerably.
Reply:Speak with your state's department of insurance, as each state has different rules.
However, generally speaking, your employer has the right to deny a spouse or domestic partner coverage if s/he is eligible for her/his employer's sponsored health plan.
Traditionally, employers have not selected to do this. I understand that the pratice is becoming more prevalent as health insurance costs continue to rise. If employers are concerned about health insurance premiums, many offer to cover the spouse/domestic partner as well as her/his plan, but will charge what is commonly known as a Spousal Clause, in which benefits are offered, however you are required to pay the entire premium for your spouses coverage.
Having said this, if your employer will not offer coverage to your spouse, I would consider finding an employer who will. The practice, in my humble opinion, is dispicable.
Reply:That varies depending on what state you live in. Most states will let your spouse be added, but the employer can require you to pay 100% of the additional premium, IF his current plan also insures spouses.
Can my employer legally refuse my spouse health insurance if he has coverage available if mine is better?
Like some of the answerers have said, it depends on where you live. Your best bet is to contact your state insurance department (link below), talk with the HR department, and even the insurance company itself. Even if you do manage to get your spouse on your health plan, you will probably have to pay for “plus one” coverage, which is often more than double what you’re paying now.
One factor that might be in play, again depending on where you live, is a rule that’s sometimes called “Coordination of Benefits,” which might make it okay for your husband to have insurance through his employer. For example, Ohio has a Coordination of Benefits rule that allows you to be covered by both plans. For you, your plan would be the primary plan and your spouse’s would be the secondary plan. The reverse would be true for your spouse. The insurance companies have to decide who pays for what. If you have children, the primary policy would be the one for whoever parent has the earliest birthday in that calendar year.
Barnes @ MostChoice
http://www.mostchoice.com/health-insuran...
Reply:They cannot refuse health insurance if you want him on your plan. Visit your HR office and talk first to the benefits manager, the the HR Manager and then if necessary the HR director.
Reply:Yes they can.
Atleast it is common in the Reno, NV area for a spouse's employer to refuse a spouse if they have their own insurance availability.
Don't know why; but, it happens.
Reply:Yes, he is legally supposed to use his health coverage and you can use yours. However, if you folks have children, then the kids can go with the parent who has the better benefits. But as far as this goes....it's his insurance he has to use. However there is a loop hole, if he cancels his insurance at his job, then he can go under your coverage. however the waiting and probationary periods will vary with different carriers.
Reply:I don't know if they can refuse him but they can make you pay for his coverage.
Reply:From what I know your employer is legaly obligated to offer "you" whatever he or she may have through the company. I know they can't deny you. But there might be some kind of weird loop hole if your husband already has his own. Get in contact with a lawyer.
Reply:Employers seem to have been allowed to get away with an increasing ammount loopholes with regard to insurance. I work for a sheriff's office and when I started they would not cover me until their open enrollment period began. They also have a policy that adds a surcharge if you place your spouse on your policy and your spouse is offered insurance through their employer. It is sick that everyone who works is not covered.
Reply:Call the department of Insurance in your state. I suspect the laws vary from state to state considerably.
Reply:Speak with your state's department of insurance, as each state has different rules.
However, generally speaking, your employer has the right to deny a spouse or domestic partner coverage if s/he is eligible for her/his employer's sponsored health plan.
Traditionally, employers have not selected to do this. I understand that the pratice is becoming more prevalent as health insurance costs continue to rise. If employers are concerned about health insurance premiums, many offer to cover the spouse/domestic partner as well as her/his plan, but will charge what is commonly known as a Spousal Clause, in which benefits are offered, however you are required to pay the entire premium for your spouses coverage.
Having said this, if your employer will not offer coverage to your spouse, I would consider finding an employer who will. The practice, in my humble opinion, is dispicable.
Reply:That varies depending on what state you live in. Most states will let your spouse be added, but the employer can require you to pay 100% of the additional premium, IF his current plan also insures spouses.
Cheap Dental-Dentist Help!!!!?
I need to have my wisdom teeth pulled and probably should of had them pulled a few years ago but I don't have coverage and I'm in enough debt that I wouldn't be able to finance it. I live in MD and there is only one dental school and I plan to call but I think they are very expensive. They take insurance which really makes me think it's high there. Will it be cheaper to get a dentist to pull them rather then a oral surgeon?
Cheap Dental-Dentist Help!!!!?
call 1-800-929-8344 Ref# 246314 they will cover you for cosmetics and dental procedures.they are very helpful.
Reply:Check out www.carecredit.com.
They offer plans specifically for people in your situation and offer really great plans, like $100 a month.
If not, contact your dentist. There are actually some out there who take on "charity" cases. For people who needs major dental work and can't afford it. If not, they might be able to point you in the right direction.
Good luck!
Reply:Dental schools usually charge 1/2 of what a regular dentist charges.They also expect payment at the time of service.
Yes a dentist is cheaper then an oral surgeon.But it depends on what it takes to get your teeth out safely on who does it.Good Luck.
Reply:Contact the American Dental Association. Inquire about the local dental society in your area. They should be able to provide you with a list of dentists that provide free and sliding scale services.
Reply:Hi,
I used "Credit Solution" to settle my debt and improve my credit score.They managed to reduce my debt up to 58%.It's legitimate.I came across this company on NBC News Special Edition.Check it out here:
http://doiop.com/777268
Cheap Dental-Dentist Help!!!!?
call 1-800-929-8344 Ref# 246314 they will cover you for cosmetics and dental procedures.they are very helpful.
Reply:Check out www.carecredit.com.
They offer plans specifically for people in your situation and offer really great plans, like $100 a month.
If not, contact your dentist. There are actually some out there who take on "charity" cases. For people who needs major dental work and can't afford it. If not, they might be able to point you in the right direction.
Good luck!
Reply:Dental schools usually charge 1/2 of what a regular dentist charges.They also expect payment at the time of service.
Yes a dentist is cheaper then an oral surgeon.But it depends on what it takes to get your teeth out safely on who does it.Good Luck.
Reply:Contact the American Dental Association. Inquire about the local dental society in your area. They should be able to provide you with a list of dentists that provide free and sliding scale services.
Reply:Hi,
I used "Credit Solution" to settle my debt and improve my credit score.They managed to reduce my debt up to 58%.It's legitimate.I came across this company on NBC News Special Edition.Check it out here:
http://doiop.com/777268
Need cheap/free dental work in PA or help finding insurance ASAP!?
I absolutely hate that I have to write this as I hate asking for handouts, but I am in the worst pain of my life right now. I am absolutely terrified of dentists and haven't gone in years. My dental insurance ran out when I turned 23 in October (I am a college student and my college doesn't offer undergrads dental insurance). My lower K9 tooth has been killing me the past week and I'm in unbearable pain, nothing is helping. Pain pills, oragel, nothing. I've been brushing so much my gums hurt. The tooth either needs filled or (hopefully not) a root canal. There are two holes on the outside front from having braces many years ago. As a student I can't afford to pay out of pocket. Can any dentists offer free or discounted services (I am in State College, PA) to me or please tell me where I can get discount/temporary good-coverage insurance that will be able to be used immediately? I need this fixed ASAP, I can't even do my school work and it's finals week next week. I want to die. :'( :'(
Need cheap/free dental work in PA or help finding insurance ASAP!?
go to temple school of dentistry walk in early in the morning but you do have to pay a small fee,its cheaper than the regular dentist.unless your willing to get on a train and travel to delaware you can be seen in that state for free,Westside dental.
Need cheap/free dental work in PA or help finding insurance ASAP!?
go to temple school of dentistry walk in early in the morning but you do have to pay a small fee,its cheaper than the regular dentist.unless your willing to get on a train and travel to delaware you can be seen in that state for free,Westside dental.
Best vision/dental and health insurance for seniors?
Hi, I am shopping around for best and affordable vision/dental/health insurance plans for my mom who is 58 years old. She doesn't have any coverage right now. Any ideas what companies are there that offer these plans at affordable rates?
Best vision/dental and health insurance for seniors?
Blue Cross is pretty good..
Reply:Perhaps look into medicaid. If she is working the company may offer insurance benefits.
Reply:Best Vision and Dental plan, dollar for dollar,
in your area, Houston, is the eHealthPlus membership.
Reply:Theres some good information on health insurance, getting good deals and general info etc here http://geobay.com/c21307 hope it helps.
fabric boot
Best vision/dental and health insurance for seniors?
Blue Cross is pretty good..
Reply:Perhaps look into medicaid. If she is working the company may offer insurance benefits.
Reply:Best Vision and Dental plan, dollar for dollar,
in your area, Houston, is the eHealthPlus membership.
Reply:Theres some good information on health insurance, getting good deals and general info etc here http://geobay.com/c21307 hope it helps.
fabric boot
Is the coverage in www.bestforlessdental.com really worth it?
I know i need a root canal done on my 31 tooth but i dont have the money. I was surfing aroung the web and i came acros the site www.bestforlessdental.com. They offer three plans and i'm thinking about getting the premium plan so i can get my root canal done for cheaper. So does anyone have this coverage? is it worth it? Do you know of any better coverages outhere somewhere? What all do they cover?
P.S. Some people tell me not to get dental insurance becuse its not worht it. is that true?
Is the coverage in www.bestforlessdental.com really worth it?
Be careful with these plans. I just looked that site up and in my area it gave me a list of clinics I wouldn't send my worst enemy to. Also, it mentions waiting periods for two of the policies, these waiting periods are so you can pay more of the premiums before they do any major work (like crowns, bridges, partials, dentures etc.)
My mom always used to say, if it looks too good to be true, it usually is %26amp; you get what you pay for.
These are two warnings I would pass along to you befoe getting into a plan like this. Good luck~~
P.S. Some people tell me not to get dental insurance becuse its not worht it. is that true?
Is the coverage in www.bestforlessdental.com really worth it?
Be careful with these plans. I just looked that site up and in my area it gave me a list of clinics I wouldn't send my worst enemy to. Also, it mentions waiting periods for two of the policies, these waiting periods are so you can pay more of the premiums before they do any major work (like crowns, bridges, partials, dentures etc.)
My mom always used to say, if it looks too good to be true, it usually is %26amp; you get what you pay for.
These are two warnings I would pass along to you befoe getting into a plan like this. Good luck~~
Aspen Dental- Scam?
I am 29 and I had to get a full upper denture, it has been nothing less than a painful experience. To start, they were all nice when I went in and came up with a treatment plan, went over the insurance coverage and even gave me a 5% discount for paying my portion ($1,680.00) in advance. It seemed great, until the day of the extractions. I got a lady who did not speak english to well, spend 4 hours in the chair getting teeth pulled. She numbed me only to walk away for about 20 mins and then started working, even after I told her I wasnt numb anymore. After 4 hours of gripping the chair and the assistant urging her to give me more numbing shots, I looked like I went 25 rounds with a boxer. Now I get a bill stating I owe another 1,200.00 that no one can explain. My EOB from the INS says they owe me 1,000, however in the true "Aspen Shuffle" as I now dub it, I get a new answer and new person each time I call, just like their dentists. They run more of a dental farm than dental office.
Aspen Dental- Scam?
I would call the office and get a ledger from them which would show all the services (charges) and all your payments and the insurance payments. Then I would compare the EOBs you have received from your insurance company to their bill. The easiest way to do this is by date of service. So total the charge for each date of service, then subtract out your payment, your insurance payment, and any contract adjustments. (If your dentist is contracted with your insurance company they can only charge the allowable,PDP,Contract allowance,or UCR fee- the difference between their fee and the contracted fee is a write off and you are not responsible to pay it.) After you do your calculations if all the services have been paid for and there is a credit the office owes you, then I would contact them with that information. Due to the "Aspen Shuffle" you may not get very far, this is when I would contact your insurance company, they can then do a 3-way call with you and their billing department to get your bill all worked out.
If your insurance denied something or did not pay as estimated then you could still have a balance, but after doing the math you will know for sure.
It sounds very frustrating, I hope that helps and good luck!
Reply:I can understand where you are coming from! I went to Allcare Dental and Dentures, and had almost the same kind of experience! They are one in the same, and I wouldn't recommend them to anyone!!!
And I think what it is, they are trying to sell product. They told me that I needed to pull all my top teeth, and get an upper denture, and pull several teeth, and get a lower partial. I didn't feel comfortable with taht, so I went to another dentist. I do not need a partial on the bottom, and I only need a partial, not a full denture on top!
RUN FROM THOSE PLACES!!!
Aspen Dental- Scam?
I would call the office and get a ledger from them which would show all the services (charges) and all your payments and the insurance payments. Then I would compare the EOBs you have received from your insurance company to their bill. The easiest way to do this is by date of service. So total the charge for each date of service, then subtract out your payment, your insurance payment, and any contract adjustments. (If your dentist is contracted with your insurance company they can only charge the allowable,PDP,Contract allowance,or UCR fee- the difference between their fee and the contracted fee is a write off and you are not responsible to pay it.) After you do your calculations if all the services have been paid for and there is a credit the office owes you, then I would contact them with that information. Due to the "Aspen Shuffle" you may not get very far, this is when I would contact your insurance company, they can then do a 3-way call with you and their billing department to get your bill all worked out.
If your insurance denied something or did not pay as estimated then you could still have a balance, but after doing the math you will know for sure.
It sounds very frustrating, I hope that helps and good luck!
Reply:I can understand where you are coming from! I went to Allcare Dental and Dentures, and had almost the same kind of experience! They are one in the same, and I wouldn't recommend them to anyone!!!
And I think what it is, they are trying to sell product. They told me that I needed to pull all my top teeth, and get an upper denture, and pull several teeth, and get a lower partial. I didn't feel comfortable with taht, so I went to another dentist. I do not need a partial on the bottom, and I only need a partial, not a full denture on top!
RUN FROM THOSE PLACES!!!
Searching for a Dental Plan that is NOT a scam?
I need to have several teeth pulled. I currently live in Northwest Indiana. I am a full time student and I do not have any health insurance. I was denied coverage thru medicaid. PLEASE HELP. I am in extreme pain. I need a dental plan that will begin immediately, low start up cost, and one that will accept my pre-exsisting condition. There are so many plans out there I have no idea which is legit or a scam. HELP!
Searching for a Dental Plan that is NOT a scam?
The American Dental Association recommends "care credit",
so take a look at this link. You might do to your local dental school -
Indiana University School of Dentistry
1121 West Michigan Street
Indianapolis, IN 46202
Dean: Dr. Lawrence Goldblatt
Phone: (317) 274-7461
Accreditation Status: Approval without Reporting Requirements
Last Accreditation Visit: 2006
Next Accreditation Visit: 2013
Web Address: www.iusd.iupui.edu
as they charge considerably less for treatment and the students are well trained and supervised. Or, ask someone you know for a recommendation or call offices and inquire if they will work with a payment plan. Perhaps a local clinic with sliding fee scale based on your income could be of help!
Hope that helps!
JAMRDH - a dental hygienist
Reply:You have five options with dental. I did a cost analysis on the removal of three teeth. The average cost in my area for extractions is $135.
1. No insurance. Cost analysis - $405.
2. Visit a local dental school. You can get many procedures done for a reduced price if you're willing to let them practice on you. Most will average around a 30% discount. Cost analysis - $283.50
3. Insurance - Depending upon the policy: cost $20-$60 per month (average $34). You pay a $50 deductible first, they have an annual maximum that they'll pay per year of $750 - $1500, they have a waiting period of 6 months for extractions and 18 months for major work. You pay 20% for extractions and 50% for major work. Cost analysis - 6 months premium = $204, deductible of $50 plus 20% = $131 for a total of $335. Advantage - you can use any dentist with most plans.
4. Discount plans - Cost - $5-$12 per month. No deductible, no annual maximum and no waiting periods. Also, hardly any dentists will accept the plan and when they do you MIGHT get a 10% discount, which is about the same discount you can get by paying cash. Be very wary of these plans because most are scams. The people that sell these plans have little or no knowledge about health %26amp; dental insurance and do not need a license to sell them. The plans are not regulated by the state so you have no recourse when you have problems. Some states are starting to ban these plans from being sold. Here is an informative link http://www.insurancejournal.com/news/wes... concerning these plans. Cost analysis with this plan - $30 application fee, $11.95 monthly premium plus 90% cost of average extraction = $406.05. You can cancel after one month but they make it very hard.
5. Fee for Service discount plans - Cost $79.95-$139.95 per year (they don't have monthly payment options). No deductible, no annual maximum and no waiting periods. Many dentist will accept the plan (check providers first before signing up with any plan). When you use the plan there is a set fee that the dentist will charge you. Cost analysis - yearly premium of $109.95 plus extraction fee of $177 = $286.95.
Summary - option 1 = $405, option 2 = $283.50, option 3 = $335, option 4 = $406.05, option 5 = $286.95.
I'm an insurance agent and my personal plan is the fee for service plan. I got mine here http://www.dpbrokers.com/default.aspx?lo... specifically the Aetna Dental Access plan but which one you get depends upon your area and comparing the fee schedule to find the best for what you need covered.
Searching for a Dental Plan that is NOT a scam?
The American Dental Association recommends "care credit",
so take a look at this link. You might do to your local dental school -
Indiana University School of Dentistry
1121 West Michigan Street
Indianapolis, IN 46202
Dean: Dr. Lawrence Goldblatt
Phone: (317) 274-7461
Accreditation Status: Approval without Reporting Requirements
Last Accreditation Visit: 2006
Next Accreditation Visit: 2013
Web Address: www.iusd.iupui.edu
as they charge considerably less for treatment and the students are well trained and supervised. Or, ask someone you know for a recommendation or call offices and inquire if they will work with a payment plan. Perhaps a local clinic with sliding fee scale based on your income could be of help!
Hope that helps!
JAMRDH - a dental hygienist
Reply:You have five options with dental. I did a cost analysis on the removal of three teeth. The average cost in my area for extractions is $135.
1. No insurance. Cost analysis - $405.
2. Visit a local dental school. You can get many procedures done for a reduced price if you're willing to let them practice on you. Most will average around a 30% discount. Cost analysis - $283.50
3. Insurance - Depending upon the policy: cost $20-$60 per month (average $34). You pay a $50 deductible first, they have an annual maximum that they'll pay per year of $750 - $1500, they have a waiting period of 6 months for extractions and 18 months for major work. You pay 20% for extractions and 50% for major work. Cost analysis - 6 months premium = $204, deductible of $50 plus 20% = $131 for a total of $335. Advantage - you can use any dentist with most plans.
4. Discount plans - Cost - $5-$12 per month. No deductible, no annual maximum and no waiting periods. Also, hardly any dentists will accept the plan and when they do you MIGHT get a 10% discount, which is about the same discount you can get by paying cash. Be very wary of these plans because most are scams. The people that sell these plans have little or no knowledge about health %26amp; dental insurance and do not need a license to sell them. The plans are not regulated by the state so you have no recourse when you have problems. Some states are starting to ban these plans from being sold. Here is an informative link http://www.insurancejournal.com/news/wes... concerning these plans. Cost analysis with this plan - $30 application fee, $11.95 monthly premium plus 90% cost of average extraction = $406.05. You can cancel after one month but they make it very hard.
5. Fee for Service discount plans - Cost $79.95-$139.95 per year (they don't have monthly payment options). No deductible, no annual maximum and no waiting periods. Many dentist will accept the plan (check providers first before signing up with any plan). When you use the plan there is a set fee that the dentist will charge you. Cost analysis - yearly premium of $109.95 plus extraction fee of $177 = $286.95.
Summary - option 1 = $405, option 2 = $283.50, option 3 = $335, option 4 = $406.05, option 5 = $286.95.
I'm an insurance agent and my personal plan is the fee for service plan. I got mine here http://www.dpbrokers.com/default.aspx?lo... specifically the Aetna Dental Access plan but which one you get depends upon your area and comparing the fee schedule to find the best for what you need covered.
Dental Abscess?
Ok, this morning i noticed a minor bump on my cheek that i now know is a dental abscess. My insurance isn't very good because all of my prescriptions have to be paid for by me in full, and i have to pay 15% of the cost to see my dentist myself. This will change in 2 weeks when i get to upgrade my coverage and be able to see a dentist without going into debt. So I looked on sites such as WebMD and they all say it can rupture on its own, and then the dentist can perform the necessary dental work. But for now... i have a noticeable bump on my jaw/cheek... how long do they last? is there anything i can do to make it rupture sooner? it doesn't hurt much (i have a high threshold for pain) but i don't like seeing the bump, and i can't really see a doctor for at least another 2 weeks. Any info can help, Thanks
Dental Abscess?
I wouldn't recommend to wait two weeks, as your abscess can become worse.
If your dental insurance doesn't cover the dental work for the next two weeks, you can see a doctor or a dentist for an emergency, and he or her can prescribe you antibiotics for your abscess.
Yes, the abscess can rupture. But if it doesn't, it may become bigger, and very pain full.
By the way, Clindamycin is a very strong antibiotic. Yes it should work. It is recommended to eat something when you take that antibiotic because it has side effects on the stomach.
Reply:If you have a high threshold for pain, you should rupture it yourself. If you can visibly see the surface of the abscess, take a needle and rupture it yourself. Just apply some topical anesthetic if you can't handle the pain. Make sure you apply anti-septic disinfectant, something like hydrogen peroxide. Other than that I'm not sure that can help, only that it will worsen with time. I hope this could be the best answer for you.
Reply:Well, you could have a potentially serious problem on your hands if your condition is left untreated for very long. If you don't want to wait for your insurance, try to contact the university dental school(s) in your area. Their fees are usually 1/4 of a dentist office fee. and they can get you in on an emergency basis. Plus, the dental students are continually supervised by doctors and professors of dentristry. Absolutely no oral surgery should be done until the infection is treated with antibiotics. An untreated abcess can cause multiple types of infections. Some can be life-threatening. An abcess can cause an infection in the heart, specifically in the valves of your heart. once they are destroyed, they have to be replaced. Also, infection can spread through your system causing sepsis, a very serious blood infection. Please stop worrying about the money, you may noy be able to afford it, but you can't afford not to go. Your health depends on it.
Reply:Go to a regular doctor and get antibiotics! Generally an abscess needs to be drained or antibiotics needed. Some dentists won't work on it until the infection has cleared. They don't always rupture, and if it ruptures internally it can be catastrophic. I know one child who almost died and one who did because they got blood poisoning from dental abscess problems. Quite often they don't hurt, but can feel like pressure on whatever tooth it is in and the area around it. You shouldn't try to rupture it yourself because the open wound can become further infected as can the abscess site.
Drawing it out though, heat will bring it out, it'll make it look more swollen though!
children boots
Dental Abscess?
I wouldn't recommend to wait two weeks, as your abscess can become worse.
If your dental insurance doesn't cover the dental work for the next two weeks, you can see a doctor or a dentist for an emergency, and he or her can prescribe you antibiotics for your abscess.
Yes, the abscess can rupture. But if it doesn't, it may become bigger, and very pain full.
By the way, Clindamycin is a very strong antibiotic. Yes it should work. It is recommended to eat something when you take that antibiotic because it has side effects on the stomach.
Reply:If you have a high threshold for pain, you should rupture it yourself. If you can visibly see the surface of the abscess, take a needle and rupture it yourself. Just apply some topical anesthetic if you can't handle the pain. Make sure you apply anti-septic disinfectant, something like hydrogen peroxide. Other than that I'm not sure that can help, only that it will worsen with time. I hope this could be the best answer for you.
Reply:Well, you could have a potentially serious problem on your hands if your condition is left untreated for very long. If you don't want to wait for your insurance, try to contact the university dental school(s) in your area. Their fees are usually 1/4 of a dentist office fee. and they can get you in on an emergency basis. Plus, the dental students are continually supervised by doctors and professors of dentristry. Absolutely no oral surgery should be done until the infection is treated with antibiotics. An untreated abcess can cause multiple types of infections. Some can be life-threatening. An abcess can cause an infection in the heart, specifically in the valves of your heart. once they are destroyed, they have to be replaced. Also, infection can spread through your system causing sepsis, a very serious blood infection. Please stop worrying about the money, you may noy be able to afford it, but you can't afford not to go. Your health depends on it.
Reply:Go to a regular doctor and get antibiotics! Generally an abscess needs to be drained or antibiotics needed. Some dentists won't work on it until the infection has cleared. They don't always rupture, and if it ruptures internally it can be catastrophic. I know one child who almost died and one who did because they got blood poisoning from dental abscess problems. Quite often they don't hurt, but can feel like pressure on whatever tooth it is in and the area around it. You shouldn't try to rupture it yourself because the open wound can become further infected as can the abscess site.
Drawing it out though, heat will bring it out, it'll make it look more swollen though!
children boots
AIG Insurance (Dental)?
I'm looking for reviews on this insurance...what has been your personal experience with this Dental insurance...
Also I can't seem to find and info on Oral Surgery coverage from the company...can you help...
Thanks
AIG Insurance (Dental)?
All insurance companies, including AIG Insurance, offer many different levels of insurance coverage and many different plans. You don't even state which country you are in, since there are plans offered in both US and Canada, and they are different.
AIG offers full dental plans, PPO plans, a la carte plans, and different plans according to group, etc. I have attached a link to some of their plans to show you that there are all different levels offered. Maybe yours is in here somewhere.
Also I can't seem to find and info on Oral Surgery coverage from the company...can you help...
Thanks
AIG Insurance (Dental)?
All insurance companies, including AIG Insurance, offer many different levels of insurance coverage and many different plans. You don't even state which country you are in, since there are plans offered in both US and Canada, and they are different.
AIG offers full dental plans, PPO plans, a la carte plans, and different plans according to group, etc. I have attached a link to some of their plans to show you that there are all different levels offered. Maybe yours is in here somewhere.
Can you use dental insurance in conjuction with a dental plan- or just the dental plan?
My husband has a PPO dental plan that applies everything to the yearly deductable- which is very high. It also has a maximum benefit that only pays $1,000 per year per person. This covers the family including the kids. I have an HMO plan- which I'm finding out most dentists in the area refuse to accept anymore. Because the HMO locks you into a dentist- I'm stuck until open enrollment. The dentist that we selected refuses to honor the HMO insurance as the secondary coverage. They claim that they don't make enough so they don't have to honor the plans fee structure- so they bill us the difference. I have paid what my HMO carrier has indicated as being due but the dentists office refuses to clear the account and state it as current. They are also refusing to allow us to move our care to another dentist. But the HMO indicates that they are sure willing to accept their monthly payments from the HMO carrier.
Is typical dental insurance worth it? I seem to be paying more w/ a PPO
Can you use dental insurance in conjuction with a dental plan- or just the dental plan?
I don't quite understand. If a dentist is in the HMO network they have to take the HMO payments. Who is refusing to let you change dentists? You must go to a dentist in the network if you are using an HMO. If you go out of network then yes, you have to pay what the dentist bills you; they don't have to accept what the HMO would pay.
HMO plans are less expensive for you because the dentist have to agree to the HMO fee schedule, which is why many dentist are refusing to accept the HMO plans.
You have five options with dental.
1. Go without insurance. If you have good teeth and just want the basics you probably don't need any plan. A yearly cleaning and exam and even an occasional filling will cost you less without insurance.
2. Visit a local dental school. You can get many procedures done for a reduced price if you're willing to let them practice on you.
3. Insurance - Depending upon the policy: cost $30-$60 per month. You pay a $50 deductible first, they have an annual maximum that they'll pay per year of $750 - $1500, they have a waiting period up to 18 months for major work and then you're paying 50% of the charges. Example - average cost for a root canal in my area is $829. With insurance you pay $414 after paying 18 months of premium (around $800 or $900). Advantage - you can use any dentist with most plans unless they are HMO or PPO plans.
4. Discount plans - Cost - $5-$12 per month. No deductible, no annual maximum and no waiting periods. Also, hardly any dentists will accept the plan and when they do you MIGHT get a 10% discount, which is about the same discount you can get by paying cash. Example - average cost for a root canal in my area is $829. With discount plans you pay around $746. Be very wary of these plans because most are scams. The people that sell these plans have little or no knowledge about health %26amp; dental insurance and do not need a license to sell them. The plans are not regulated by the state so you have no recourse when you have problems. Some states are starting to ban these plans from being sold. Here is an informative link http://www.insurancejournal.com/news/wes... concerning these plans.
5. Fee for Service discount plans - Cost $7-$15 per month. No deductible, no annual maximum and no waiting periods. Many dentist will accept the plan (check providers first before signing up with any plan). When you use the plan there is a set fee that the dentist will charge you. Example - average cost for a root canal in my area is $829. With fee for service plans you pay as little as $404.
I'm an insurance agent and my personal plan is the fee for service plan. I got mine here http://www.dpbrokers.com/default.aspx?lo... specifically the Aetna Dental Access plan but which one you get depends upon your area and comparing the fee schedule to find the best for what you need covered.
Reply:Yikes! What a mess for you! At house we recently lost our coverage and made a switch to a dental benefits program. It costs us $20 a month and has been a great help to our family. The providers offer their services at a discount cost and you pay the remaining amount. Often it is preferred over insurance because the providers get paid upfront with out having to wait for insurance companies to get it straight. It also comes with vision, chiropractic, and RX at no extra cost. Go to the website below and check it out and see if you have any providers in your area. Maybe you could use this plan with out having to have all the high costs and hassle. Well Wishes!
Is typical dental insurance worth it? I seem to be paying more w/ a PPO
Can you use dental insurance in conjuction with a dental plan- or just the dental plan?
I don't quite understand. If a dentist is in the HMO network they have to take the HMO payments. Who is refusing to let you change dentists? You must go to a dentist in the network if you are using an HMO. If you go out of network then yes, you have to pay what the dentist bills you; they don't have to accept what the HMO would pay.
HMO plans are less expensive for you because the dentist have to agree to the HMO fee schedule, which is why many dentist are refusing to accept the HMO plans.
You have five options with dental.
1. Go without insurance. If you have good teeth and just want the basics you probably don't need any plan. A yearly cleaning and exam and even an occasional filling will cost you less without insurance.
2. Visit a local dental school. You can get many procedures done for a reduced price if you're willing to let them practice on you.
3. Insurance - Depending upon the policy: cost $30-$60 per month. You pay a $50 deductible first, they have an annual maximum that they'll pay per year of $750 - $1500, they have a waiting period up to 18 months for major work and then you're paying 50% of the charges. Example - average cost for a root canal in my area is $829. With insurance you pay $414 after paying 18 months of premium (around $800 or $900). Advantage - you can use any dentist with most plans unless they are HMO or PPO plans.
4. Discount plans - Cost - $5-$12 per month. No deductible, no annual maximum and no waiting periods. Also, hardly any dentists will accept the plan and when they do you MIGHT get a 10% discount, which is about the same discount you can get by paying cash. Example - average cost for a root canal in my area is $829. With discount plans you pay around $746. Be very wary of these plans because most are scams. The people that sell these plans have little or no knowledge about health %26amp; dental insurance and do not need a license to sell them. The plans are not regulated by the state so you have no recourse when you have problems. Some states are starting to ban these plans from being sold. Here is an informative link http://www.insurancejournal.com/news/wes... concerning these plans.
5. Fee for Service discount plans - Cost $7-$15 per month. No deductible, no annual maximum and no waiting periods. Many dentist will accept the plan (check providers first before signing up with any plan). When you use the plan there is a set fee that the dentist will charge you. Example - average cost for a root canal in my area is $829. With fee for service plans you pay as little as $404.
I'm an insurance agent and my personal plan is the fee for service plan. I got mine here http://www.dpbrokers.com/default.aspx?lo... specifically the Aetna Dental Access plan but which one you get depends upon your area and comparing the fee schedule to find the best for what you need covered.
Reply:Yikes! What a mess for you! At house we recently lost our coverage and made a switch to a dental benefits program. It costs us $20 a month and has been a great help to our family. The providers offer their services at a discount cost and you pay the remaining amount. Often it is preferred over insurance because the providers get paid upfront with out having to wait for insurance companies to get it straight. It also comes with vision, chiropractic, and RX at no extra cost. Go to the website below and check it out and see if you have any providers in your area. Maybe you could use this plan with out having to have all the high costs and hassle. Well Wishes!
Health Insurance coverage?
I'm now covered by the employer's health insurance (with dental) plan. After I quit/leave current job, how does this health insurance coverage work? Before I'm hired by other company, what options do I have on the health insurance?
Health Insurance coverage?
As others have noted, you may have COBRA rights, which would allow you to continue your employers' coverage -- but you have to pay 100% of the premium PLUS an administrative fee of 2%. So if your employer has been subsidizing 80% of your $100 premium your cost to continue this coverage would be $102 -- an increase of $82.
I've found some good information here too...
http://insurance.deal4-you.com
Best of luck.
Reply:COBRA continuation. It's a federal law that allows you to extend your group coverage (same exact plan you had) for a premium cost. It allows you to extend your coverage up to 18 months, 36 months with a valid reason. Valid reasons are disability, school, etc.
You qualify for COBRA even if you resign voluntarily.
Reply:How large is your company? If it has more than a set number of employees (I think 50, but I'm not sure) they have to offer you COBRA (I'm not sure what that stands for). This means that they give you the optiuon to continue being covered through them for up to 1.5 years. You have to pay them for it. They may not charge you more than the cost to them plus 2%.
Reply:Mike S is on the right track. But check with HR. If you work for a very small company, they may not have to comply with the federal laws on COBRA.
Group coverage is always better than individual coverage, so if you can stay on your employer's plan, you are much better off.
Reply:If the company is 20 or more employees they must offer you COBRA for 18 months. If it is under 20 employees at least in NJ they have a continuation law also. You will have to pay up to 110% of the premium. (It is there choice to charge you an administration fee of 10%, most usually just do 100%)
Health Insurance coverage?
As others have noted, you may have COBRA rights, which would allow you to continue your employers' coverage -- but you have to pay 100% of the premium PLUS an administrative fee of 2%. So if your employer has been subsidizing 80% of your $100 premium your cost to continue this coverage would be $102 -- an increase of $82.
I've found some good information here too...
http://insurance.deal4-you.com
Best of luck.
Reply:COBRA continuation. It's a federal law that allows you to extend your group coverage (same exact plan you had) for a premium cost. It allows you to extend your coverage up to 18 months, 36 months with a valid reason. Valid reasons are disability, school, etc.
You qualify for COBRA even if you resign voluntarily.
Reply:How large is your company? If it has more than a set number of employees (I think 50, but I'm not sure) they have to offer you COBRA (I'm not sure what that stands for). This means that they give you the optiuon to continue being covered through them for up to 1.5 years. You have to pay them for it. They may not charge you more than the cost to them plus 2%.
Reply:Mike S is on the right track. But check with HR. If you work for a very small company, they may not have to comply with the federal laws on COBRA.
Group coverage is always better than individual coverage, so if you can stay on your employer's plan, you are much better off.
Reply:If the company is 20 or more employees they must offer you COBRA for 18 months. If it is under 20 employees at least in NJ they have a continuation law also. You will have to pay up to 110% of the premium. (It is there choice to charge you an administration fee of 10%, most usually just do 100%)
What's the Catch? (Dental insurance buffs) Why go with a PPO over a HMO?
So I've been researching dental insurance in my area. (S. Florida Metro - Ft. Lauderdale/Miami/Palm Beach)
I've received a quote from a dental HMO that provides the following;
Individual Premium per month - 11.95$
No Wating Period
No Plan Maximum
No Deductable.
As examples of coverage;
Cleanings are no charge.
Fillings for one surface are 25$ for composite fillings. Standard silver fillings are no charge.
Crowns run between 245$-300$
Endodontics/Root Canals run between 110$ and 345$
Periodontic services run between 110$ and 300$ for surgical services.
Non surgiacal periodontic services run between 38$ and 65$
Dentures and bridges are fairly priced between 300$ and 425$
Extractions run between 30$ and 100$
The only place they really get you is with orthodontics.
Now let's look at a PPO.
Individual Coverage is between 30$ and 42$ a month for basically the same services between plans, with large waiting periods, tiny plan maximums, and really not that great of coverage.
(Cont.)
What's the Catch? (Dental insurance buffs) Why go with a PPO over a HMO?
Great question. I recently was stuck trying to decide between the two. I chose the PPO just cause that's what everyone else has in the office. But the more I kept comparing the two, I couldn't understand why you pay more with a PPO if the HMO gave you more coverage. I guess I feel better about the PPO cause I get a wider range of doctors and I can go outside the network if I wanted to. That seems to be the only advantage.
Reply:A PPO is better than an HMO because a YMO is longer than a LMO, so go with the DMO.
Reply:They all looking for the easy money.
Reply:In a PPO, you can choose any dentist you want at any givin time, With HMO, you are stuck with your dentist That the HMO picks for you.
Reply:*Usually* PPO plans are better because they pay the provider more. HMO is *usually* more strict about which doctors you can go to, whether they're in network or not. Though from the information you provided, I would go with the HMO plan, unless that means that your medical insurance would switch to HMO. Medical insurance is always better as PPO. No pre-certification required for the more non-traditional procedures.
Edited to add:
the docs like the PPO plan better because they pay better, and it is less hassel. HMO plans require a lot of documentation to get a procedure pre-certified with the insurance before they will even approve it. PPO plans don't require all that.
Reply:Without reading a word of your question (Sorry - I will later on...) I will say that an HMO forces you to choose a dentist from a restricted list. A PPO would RATHER if you used one who is on their list, but you are still able to see the dentist of your choice.
Imagine buying car insurance and finding that you are only covered if you take preauthorized roads to and from work. If you go off those roads and have an accident, you are not covered. That's the HMO way of doing things.
Reply:The problem with dental insurance is that most all of the companies have a waiting period...usually 6 months...and require pretty high copays. Some only cover basic things and don't cover things like crowns and orthodontics.
You might want to try a discount dental plan. They are cheap...usually less than $100 per year and they give you a big discount off of what the dentist charges, and there is no waiting peroid. I found a plan at http://dental-ppo.com that worked well for me. You can search by zip code to see what plans are available in your area.
Energy
I've received a quote from a dental HMO that provides the following;
Individual Premium per month - 11.95$
No Wating Period
No Plan Maximum
No Deductable.
As examples of coverage;
Cleanings are no charge.
Fillings for one surface are 25$ for composite fillings. Standard silver fillings are no charge.
Crowns run between 245$-300$
Endodontics/Root Canals run between 110$ and 345$
Periodontic services run between 110$ and 300$ for surgical services.
Non surgiacal periodontic services run between 38$ and 65$
Dentures and bridges are fairly priced between 300$ and 425$
Extractions run between 30$ and 100$
The only place they really get you is with orthodontics.
Now let's look at a PPO.
Individual Coverage is between 30$ and 42$ a month for basically the same services between plans, with large waiting periods, tiny plan maximums, and really not that great of coverage.
(Cont.)
What's the Catch? (Dental insurance buffs) Why go with a PPO over a HMO?
Great question. I recently was stuck trying to decide between the two. I chose the PPO just cause that's what everyone else has in the office. But the more I kept comparing the two, I couldn't understand why you pay more with a PPO if the HMO gave you more coverage. I guess I feel better about the PPO cause I get a wider range of doctors and I can go outside the network if I wanted to. That seems to be the only advantage.
Reply:A PPO is better than an HMO because a YMO is longer than a LMO, so go with the DMO.
Reply:They all looking for the easy money.
Reply:In a PPO, you can choose any dentist you want at any givin time, With HMO, you are stuck with your dentist That the HMO picks for you.
Reply:*Usually* PPO plans are better because they pay the provider more. HMO is *usually* more strict about which doctors you can go to, whether they're in network or not. Though from the information you provided, I would go with the HMO plan, unless that means that your medical insurance would switch to HMO. Medical insurance is always better as PPO. No pre-certification required for the more non-traditional procedures.
Edited to add:
the docs like the PPO plan better because they pay better, and it is less hassel. HMO plans require a lot of documentation to get a procedure pre-certified with the insurance before they will even approve it. PPO plans don't require all that.
Reply:Without reading a word of your question (Sorry - I will later on...) I will say that an HMO forces you to choose a dentist from a restricted list. A PPO would RATHER if you used one who is on their list, but you are still able to see the dentist of your choice.
Imagine buying car insurance and finding that you are only covered if you take preauthorized roads to and from work. If you go off those roads and have an accident, you are not covered. That's the HMO way of doing things.
Reply:The problem with dental insurance is that most all of the companies have a waiting period...usually 6 months...and require pretty high copays. Some only cover basic things and don't cover things like crowns and orthodontics.
You might want to try a discount dental plan. They are cheap...usually less than $100 per year and they give you a big discount off of what the dentist charges, and there is no waiting peroid. I found a plan at http://dental-ppo.com that worked well for me. You can search by zip code to see what plans are available in your area.
Energy
Health Insurance coverage?
I'm now covered by the employer's health insurance (with dental) plan. After I quit/leave current job, how does this health insurance coverage work? Before I'm hired by other company, what options do I have on the health insurance?
Health Insurance coverage?
As others have noted, you may have COBRA rights, which would allow you to continue your employers' coverage -- but you have to pay 100% of the premium PLUS an administrative fee of 2%. So if your employer has been subsidizing 80% of your $100 premium your cost to continue this coverage would be $102 -- an increase of $82.
You should know, however, that COBRA applies only if there are 20 employees at your firm. If the company has less than 20 workers, there may be a state "mini-COBRA" available to you. I know there is in California, but not all states have it.
Your other alternative, and it will probably be less expensive for you, is to buy an individual policy. If you're in California you can find good plans from Blue Cross, Blue Shield, and Health Net at www.InsuranceNeighborhood.com. Outside of California I hear good things about www.InsureLane.com. You can get to either of these sites from www.hi4i.com, too.
By the way, while I'm sure Blondie means well, be careful of these kind of programs. They are NOT insurance. They are simply a discount program. There's no cap on what you'll have to spend. And, if you go this route, call your doctors and make sure they accept your particular discount program.
Reply:After you quit, you'll be given the option to continue the same coverage under COBRA. You'll have to pay the premium that the company pays, plus 2% admin fee, so it'll be pretty expensive. You have 45 days to elect COBRA, so if you'll have other coverage within 45 days, don't make a COBRA payment (but don't see the doctor either because it won't be covered).
If you have a catastrophic claim within 45 days, you'll have to make the COBRA payment to maintain your coverage retroactive to the date you left the company.
Reply:If you have worked at your current job and been on their insurance for at least 6 months you are eligible for COBRA. Basically COBRA will allow you to pay for the insurance coverage you have now at you employers group rate, which in most cases is less expensive than purchasing private insurance at individual rate.
For example: if your employer is providing 100% of your insurance premium at say $360 a month. With the COBRA option you would still keep your insurance you would just pay the premium. Private insurance usually is much higher sometimes as high as $1500 a month depending on preexisting conditions etc...
Depending on the policies at your new employer you may have a waiting period before you are eligible for benefits. Where I work it is 90 days. However, this waiting period may be negotiable. You might be able to negotiate an immediate start date on your insurance as part of your hire package.
Where I work, persons that are hired on at the management level have been able to negotiate insurance up front.
Good luck.
Reply:You have to speak to your Human Resources department about purchasing COBRA coverage - it's pretty much exactly the same coverage you have now, only you pay for the whole thing. You can do this for up to eighteen months.
Reply:You are entitled to COBRA, which is to continue carrying your current insurance with your current employer until the new employers insurance kicks in. When changing jobs you should ask your new employer if they will pay or subsidize your Cobra payments, many will if you ask, during compensation negotiations. The Cost of Cobra is the Full Cost the employer pays for your insurance, not the Cost you pay as an employee, so it is expensive.
Reply:Stop. YOU must ask them if you may continue if you leave your present job. The insurance company may say NO!
I have seen people go from paying $125 per month, to $750 cobra insurance per month because now they must pay for the full premium, as you quit your job.
You have no other health insurance options - unless you are rich and can get whatever insurance you want.
GOD bless us one and all, always.
Health Insurance coverage?
As others have noted, you may have COBRA rights, which would allow you to continue your employers' coverage -- but you have to pay 100% of the premium PLUS an administrative fee of 2%. So if your employer has been subsidizing 80% of your $100 premium your cost to continue this coverage would be $102 -- an increase of $82.
You should know, however, that COBRA applies only if there are 20 employees at your firm. If the company has less than 20 workers, there may be a state "mini-COBRA" available to you. I know there is in California, but not all states have it.
Your other alternative, and it will probably be less expensive for you, is to buy an individual policy. If you're in California you can find good plans from Blue Cross, Blue Shield, and Health Net at www.InsuranceNeighborhood.com. Outside of California I hear good things about www.InsureLane.com. You can get to either of these sites from www.hi4i.com, too.
By the way, while I'm sure Blondie means well, be careful of these kind of programs. They are NOT insurance. They are simply a discount program. There's no cap on what you'll have to spend. And, if you go this route, call your doctors and make sure they accept your particular discount program.
Reply:After you quit, you'll be given the option to continue the same coverage under COBRA. You'll have to pay the premium that the company pays, plus 2% admin fee, so it'll be pretty expensive. You have 45 days to elect COBRA, so if you'll have other coverage within 45 days, don't make a COBRA payment (but don't see the doctor either because it won't be covered).
If you have a catastrophic claim within 45 days, you'll have to make the COBRA payment to maintain your coverage retroactive to the date you left the company.
Reply:If you have worked at your current job and been on their insurance for at least 6 months you are eligible for COBRA. Basically COBRA will allow you to pay for the insurance coverage you have now at you employers group rate, which in most cases is less expensive than purchasing private insurance at individual rate.
For example: if your employer is providing 100% of your insurance premium at say $360 a month. With the COBRA option you would still keep your insurance you would just pay the premium. Private insurance usually is much higher sometimes as high as $1500 a month depending on preexisting conditions etc...
Depending on the policies at your new employer you may have a waiting period before you are eligible for benefits. Where I work it is 90 days. However, this waiting period may be negotiable. You might be able to negotiate an immediate start date on your insurance as part of your hire package.
Where I work, persons that are hired on at the management level have been able to negotiate insurance up front.
Good luck.
Reply:You have to speak to your Human Resources department about purchasing COBRA coverage - it's pretty much exactly the same coverage you have now, only you pay for the whole thing. You can do this for up to eighteen months.
Reply:You are entitled to COBRA, which is to continue carrying your current insurance with your current employer until the new employers insurance kicks in. When changing jobs you should ask your new employer if they will pay or subsidize your Cobra payments, many will if you ask, during compensation negotiations. The Cost of Cobra is the Full Cost the employer pays for your insurance, not the Cost you pay as an employee, so it is expensive.
Reply:Stop. YOU must ask them if you may continue if you leave your present job. The insurance company may say NO!
I have seen people go from paying $125 per month, to $750 cobra insurance per month because now they must pay for the full premium, as you quit your job.
You have no other health insurance options - unless you are rich and can get whatever insurance you want.
GOD bless us one and all, always.
Can a dental office not submit claims to insurance by choice?
I saw a dentist in 2004. I had dental insurance and provided this information to the dental office. I never heard anything after that but changed dentists due to location.
I get a copy of my credit report last month and see there is a collection for this dentists office. I contact them direct and was told my insurance denied the claim. My coverage was active at the time of service conducted.
I called the insurance carrier and was told the dental office NEVER even submitted the claim to them. So, the dental office is going to submit the claim to the insurance now but says they still can charge me the fee that it cost them to turn it over to the collection agency.
i dont feel this is right because the $38 fee would never had to happen if the dental office had submitted the claim like they were supposed to. I was referred to this dental office by the insurance company's website so I know they accepted the insurance.
Is this a violation of the Fair Credit Reporting Act somehow?
Can a dental office not submit claims to insurance by choice?
Many health care professionals file an insurance form as a courtesy to the patient. However, they are not required to do so. If you were referred by the insurance company website, the dentist had an agreement with that carrier to accept their usual and customary fee. It may or may not have had a requirement to submit the forms for the patient. However, that agreement would be between the provider and the insurance carrier. Your best bet is to contact the insurance company, since their website did the referral. They are more likely to refund the fee than the dentist's office. If you took them to small claims court it would cost you more than you would recover and you would probably spend a fortune trying to get the dental office to pay you. The BBB is really a farce. They take reports, but when you call them to find out about a compnay all they will say is they have or have not received reports about them. The BBB will not disclose what was reported- good or bad. You might try your state insurance commissioner.
Reply:Thanks a bunch! Report It
Reply:If they failed to file the claim then they should take care of the fee. Request they remove the charge. If they dont, call the better business office or consumer affairs and see if they can help. I once had a almost 2 yr old computer repaired (motherboard and power supply both fried) at best buys cost because in Maine there is a 4 year implied warranty. Different situation you are in but I still think you have recourse if the dental company wont help.
Reply:it sure is a violation of SOMETHING---the dental office caused you two very big problems---the biggest one being the bad mark on your CREDIT REPORT which is a HASSLE and a half to get removed----(I had mis-information on MY credit report and it took 4 YEARS to get it wiped off... and the paperwork and phone calls and all was SUCH a pain in the BUTT.... It clearly (by what you report here) was the dental office's fault for not submitting your papers IN THE FIRST PLACE....if they admitted to not submitting them then THEY have to absorb that $38 fee. IF, however, they SAY you never left the papers with them---THAT will be hard for YOU to prove that you DID..... so the barrel tightens....Get them to admit FIRST that you DID give them the insurance stuff when you had the dental work and THEN tell them that they need to take care of that $38 fee and if they disagree with them, tell them you will go see someone from the Attorney Generals office of your state... you can file a claim against the dental office THROUGH the AG and the dental office gets investigated....
Reply:In your situation there is certainly a problem as it seems as though they either forgot to file it or chose not even though apparently they normally do since they are filing it now.
In general though they do have the right to not submit claims to insurance by choice. In my experience there are three choices they might make. 1) they take care of the whole process for you and you do not have to do anything but provide your insurance information 2) you make sure the proper paperwork gets submitted and they await payment from your insurance company (generally in this situation you have to show proof of preapproval from your insurance that they will pay) or 3) you have to pay the bill directly to the dentist and submit all the paperwork to your insurance provider for reimbursment.
They should always tell you which way it is going to be. Based on your details though it sounds like they just dropped the ball.
I get a copy of my credit report last month and see there is a collection for this dentists office. I contact them direct and was told my insurance denied the claim. My coverage was active at the time of service conducted.
I called the insurance carrier and was told the dental office NEVER even submitted the claim to them. So, the dental office is going to submit the claim to the insurance now but says they still can charge me the fee that it cost them to turn it over to the collection agency.
i dont feel this is right because the $38 fee would never had to happen if the dental office had submitted the claim like they were supposed to. I was referred to this dental office by the insurance company's website so I know they accepted the insurance.
Is this a violation of the Fair Credit Reporting Act somehow?
Can a dental office not submit claims to insurance by choice?
Many health care professionals file an insurance form as a courtesy to the patient. However, they are not required to do so. If you were referred by the insurance company website, the dentist had an agreement with that carrier to accept their usual and customary fee. It may or may not have had a requirement to submit the forms for the patient. However, that agreement would be between the provider and the insurance carrier. Your best bet is to contact the insurance company, since their website did the referral. They are more likely to refund the fee than the dentist's office. If you took them to small claims court it would cost you more than you would recover and you would probably spend a fortune trying to get the dental office to pay you. The BBB is really a farce. They take reports, but when you call them to find out about a compnay all they will say is they have or have not received reports about them. The BBB will not disclose what was reported- good or bad. You might try your state insurance commissioner.
Reply:Thanks a bunch! Report It
Reply:If they failed to file the claim then they should take care of the fee. Request they remove the charge. If they dont, call the better business office or consumer affairs and see if they can help. I once had a almost 2 yr old computer repaired (motherboard and power supply both fried) at best buys cost because in Maine there is a 4 year implied warranty. Different situation you are in but I still think you have recourse if the dental company wont help.
Reply:it sure is a violation of SOMETHING---the dental office caused you two very big problems---the biggest one being the bad mark on your CREDIT REPORT which is a HASSLE and a half to get removed----(I had mis-information on MY credit report and it took 4 YEARS to get it wiped off... and the paperwork and phone calls and all was SUCH a pain in the BUTT.... It clearly (by what you report here) was the dental office's fault for not submitting your papers IN THE FIRST PLACE....if they admitted to not submitting them then THEY have to absorb that $38 fee. IF, however, they SAY you never left the papers with them---THAT will be hard for YOU to prove that you DID..... so the barrel tightens....Get them to admit FIRST that you DID give them the insurance stuff when you had the dental work and THEN tell them that they need to take care of that $38 fee and if they disagree with them, tell them you will go see someone from the Attorney Generals office of your state... you can file a claim against the dental office THROUGH the AG and the dental office gets investigated....
Reply:In your situation there is certainly a problem as it seems as though they either forgot to file it or chose not even though apparently they normally do since they are filing it now.
In general though they do have the right to not submit claims to insurance by choice. In my experience there are three choices they might make. 1) they take care of the whole process for you and you do not have to do anything but provide your insurance information 2) you make sure the proper paperwork gets submitted and they await payment from your insurance company (generally in this situation you have to show proof of preapproval from your insurance that they will pay) or 3) you have to pay the bill directly to the dentist and submit all the paperwork to your insurance provider for reimbursment.
They should always tell you which way it is going to be. Based on your details though it sounds like they just dropped the ball.
My dental plates, specifically the upper are sensitive. I can feel the vacuum. Anchored plates,does it help?
I had a calcium deficiency as a kid and consequently had multiple fillings in every tooth. In early adulthood I received four fixed permanent bridges and several crowns. The cost was almost as much as my first home. I lost my insurance coverage just as they were beginning to fail. I now wear dental plates. They don't hurt but, they are annoying. I only take them out to brush and frequently, Part of the problem ? Please, serious answers to the above question.
My dental plates, specifically the upper are sensitive. I can feel the vacuum. Anchored plates,does it help?
YOUMUST BE MORE SPECIFIC WITH YOUR QUESTION.
DENTURES BOTH UPPER AND LOWER MUST NOT BE SLEPT WITH.
THE UPPER AND LOWER GUM TISSUES MUST HAVE REST AND RECEIVE RELIEF AFTER HAVING PLASTIC OVER THEM ALL DAY.
IF YOUR UPPER DENTURE IS CAUSING ALL THE PROBLEMS TALK TO YOUR DENTIST ABOUT SOFT TISSUE CONDITIONER FOR THE UPPER. THIS MAY ALLEVIATE SOME OF THE PAIN.
My dental plates, specifically the upper are sensitive. I can feel the vacuum. Anchored plates,does it help?
YOUMUST BE MORE SPECIFIC WITH YOUR QUESTION.
DENTURES BOTH UPPER AND LOWER MUST NOT BE SLEPT WITH.
THE UPPER AND LOWER GUM TISSUES MUST HAVE REST AND RECEIVE RELIEF AFTER HAVING PLASTIC OVER THEM ALL DAY.
IF YOUR UPPER DENTURE IS CAUSING ALL THE PROBLEMS TALK TO YOUR DENTIST ABOUT SOFT TISSUE CONDITIONER FOR THE UPPER. THIS MAY ALLEVIATE SOME OF THE PAIN.
Free Dental Work? (Michigan Area)?
Does anyone know where I could find information about free dental work? I'm also curious about payment plans and insurance coverage since I am currently between jobs... and I don't really know how long that will be.
I am in need of some work and it's getting quite annoying and embarrassing.
Thank you for any information you can provide. :)
Free Dental Work? (Michigan Area)?
See my website:
www.mybenefitsplus.com/broseberry
This is not an insurance but a dental discount program that is very affordable and can help save a lot.
Reply:Your Poor..
HAHAHAHA
discount childrens shoes
I am in need of some work and it's getting quite annoying and embarrassing.
Thank you for any information you can provide. :)
Free Dental Work? (Michigan Area)?
See my website:
www.mybenefitsplus.com/broseberry
This is not an insurance but a dental discount program that is very affordable and can help save a lot.
Reply:Your Poor..
HAHAHAHA
discount childrens shoes
No dental insurance.?
Ive been having some serious pain and infection because of an impacted wisdom tooth. This has been going on for about 3 months now. I have healt coverage but I have a six month waiting period for dental. I live in PA. Does anyone have any suggestions. Not even vicodin helps with the pain I have.
No dental insurance.?
Check the Care Credit website. I signed up and you can charge your dental bill and take up to 18 months (the deal I got at least) to pay it back interest free. Good luck, hope it works out.
Reply:I hope you take keoki's suggestion, or find some other way to pay for it, but get to a dentist immediately! Letting an infected tooth go untreated can cause ~serious~ health problems. A man I worked with put off getting an infected tooth taken care of, and the infection spread to his brain. He was in a coma, and though he survived, it took months before he could walk and speak again.
And don't forget that poor child in Maryland: http://www.washingtonpost.com/wp-dyn/con...
Reply:If there is a college or university nearby that teaches dentistry, you may want to give them a call. Often these places are desperate for patients as the students need to treat so many people before they can graduate. They are supervised by professionals, so the care is generally good.
I hope you find some relief.
Reply:WOW..if Vicoden does not help you, you have a HIGH tolerance my friend...anyway..try finding a dental school as someone else mentioned. Or throw the bill on your credit card. If your in pain, pay up!!
Reply:There should be a community health center that does urgent dental care. Find out soon b/c you have to wait in line starting at 7 am.
Reply:You definitely need to go get that taken care of ASAP. A bad infection like that can cause severe problems like a previous poster stated. I would either slap it on a credit card or check out a discount dental plan. There is no waiting period. You can save the day you sign up.
The website is http://www.mybestdentalbenefits.com
Reply:You can go to the dentist immediate with this dental plan. There's no waiting periods. Take a look at it, I think it would really help
No dental insurance.?
Check the Care Credit website. I signed up and you can charge your dental bill and take up to 18 months (the deal I got at least) to pay it back interest free. Good luck, hope it works out.
Reply:I hope you take keoki's suggestion, or find some other way to pay for it, but get to a dentist immediately! Letting an infected tooth go untreated can cause ~serious~ health problems. A man I worked with put off getting an infected tooth taken care of, and the infection spread to his brain. He was in a coma, and though he survived, it took months before he could walk and speak again.
And don't forget that poor child in Maryland: http://www.washingtonpost.com/wp-dyn/con...
Reply:If there is a college or university nearby that teaches dentistry, you may want to give them a call. Often these places are desperate for patients as the students need to treat so many people before they can graduate. They are supervised by professionals, so the care is generally good.
I hope you find some relief.
Reply:WOW..if Vicoden does not help you, you have a HIGH tolerance my friend...anyway..try finding a dental school as someone else mentioned. Or throw the bill on your credit card. If your in pain, pay up!!
Reply:There should be a community health center that does urgent dental care. Find out soon b/c you have to wait in line starting at 7 am.
Reply:You definitely need to go get that taken care of ASAP. A bad infection like that can cause severe problems like a previous poster stated. I would either slap it on a credit card or check out a discount dental plan. There is no waiting period. You can save the day you sign up.
The website is http://www.mybestdentalbenefits.com
Reply:You can go to the dentist immediate with this dental plan. There's no waiting periods. Take a look at it, I think it would really help
Dental Expenses approximation?
Can anyone tell me how much it might cost to get 2 fillings done from a Dental Clinic in Manitoba, is that covered under Manitoba Health Coverage?
Dental Expenses approximation?
It could cost between 100.00, and 150.00, and no it is not a covered health care benefit.
Dental Expenses approximation?
It could cost between 100.00, and 150.00, and no it is not a covered health care benefit.
I live in ontario and looking for a dental plan that does not require a month cost of $150.00 to $300.00?
a month since it is manitory to also apply for the vision care and heath care portion.
my interest is only dental which will include peridontal work with a 80% coverage for up to at least $1500.00 per year.
does this exist?
I live in ontario and looking for a dental plan that does not require a month cost of $150.00 to $300.00?
Ontario, California?
eHealthPlus.
my interest is only dental which will include peridontal work with a 80% coverage for up to at least $1500.00 per year.
does this exist?
I live in ontario and looking for a dental plan that does not require a month cost of $150.00 to $300.00?
Ontario, California?
eHealthPlus.
What is the best dental insurance plan?
I live in St Louis Missouri and I have Health insurance coverage from Aetna, but I don't have any dental plan. What is the best dental plan?
What is the best dental insurance plan?
Depends, very often dental insurance is not worth the amount you pay them. First, look at what the maximum is that the dental plan will pay out in 1 year. Normally it is around $1,000 a year. Many people pay this amount in premiums a year and thus are saving NO money by having dental insurance. If your job pays some then it may be worth it OR if the dental insurance has a very high maximum for the year it may be worth it. Most people would do better to put the money into a savings account each month. Lastly, if it looks good be sure to check that there are providers of this insurance near you, otherwise the dentist can charge you more than the agreed insurance price for your part.
Reply:I am very happy with concordia
Reply:I like Metlife! I have it through my employer. I only pay about $2/week for 2 people. My deductible is $25. My annual max is $1500. I also get a lifetime max for orthodontia of $1500, and can use it even though I'm an adult. And I really need braces badly, so I'm really glad I have this plan. I'm not sure what the cost would be if you were buying it on your own. But Metlife has good benefits, and I've had no problems with them.
soft baby shoes
What is the best dental insurance plan?
Depends, very often dental insurance is not worth the amount you pay them. First, look at what the maximum is that the dental plan will pay out in 1 year. Normally it is around $1,000 a year. Many people pay this amount in premiums a year and thus are saving NO money by having dental insurance. If your job pays some then it may be worth it OR if the dental insurance has a very high maximum for the year it may be worth it. Most people would do better to put the money into a savings account each month. Lastly, if it looks good be sure to check that there are providers of this insurance near you, otherwise the dentist can charge you more than the agreed insurance price for your part.
Reply:I am very happy with concordia
Reply:I like Metlife! I have it through my employer. I only pay about $2/week for 2 people. My deductible is $25. My annual max is $1500. I also get a lifetime max for orthodontia of $1500, and can use it even though I'm an adult. And I really need braces badly, so I'm really glad I have this plan. I'm not sure what the cost would be if you were buying it on your own. But Metlife has good benefits, and I've had no problems with them.
soft baby shoes
Where can I find a broker for Delta Premier Dental Insurance? I'm in Southern California?
I am looking for a broker for Delta Dental Insurance and interested in getting the Delta Premier Coverage. However, I don't know where to call since the Delta Denta site has no contact numbers. I don't have a dental insurance from my employer.
Where can I find a broker for Delta Premier Dental Insurance? I'm in Southern California?
You have probably found this already, but you don't need a broker to sign up. It can be done online here: http://www.deltadentalca.org/pmi/individ...
Where can I find a broker for Delta Premier Dental Insurance? I'm in Southern California?
You have probably found this already, but you don't need a broker to sign up. It can be done online here: http://www.deltadentalca.org/pmi/individ...
Dental options, what are mine?
I am 27 and do not presently have dental insurence...not that I am not looking for coverage, but I have a very low income and it's hard to find affordable insurence in Michigan. I found recently that I HAVE to have my wisdom teeth removed. They are starting to cause stress on my other teeth. So I don't really have a lot of time nor do I have many options at this point...they have to come out. I just don't know what to do. I can't find a dental sergeon willing to remove the teeth without insurance or full payment upfront. I would like to find someone that would take payments, I am just not having any luck. Any ideas or suggestions?
Dental options, what are mine?
try www.Insurance Desk.com
I saw someone suggest this web sight as one for low income uninsured patients... good luck ♥
Reply:look into a program called care credit that only aplies to dental care , check on line for info, or your general dentist may guide you for furtherinformation
Reply:What lolabell said can work, find a surgeon who has a credit plan. Another option is have one at a time removed, the most bothersome first. Also to cut cost just use local anesthesia, do not use a general. Last Mexican border towns offer very reasonable dentistry. Good Luck!
Dental options, what are mine?
try www.Insurance Desk.com
I saw someone suggest this web sight as one for low income uninsured patients... good luck ♥
Reply:look into a program called care credit that only aplies to dental care , check on line for info, or your general dentist may guide you for furtherinformation
Reply:What lolabell said can work, find a surgeon who has a credit plan. Another option is have one at a time removed, the most bothersome first. Also to cut cost just use local anesthesia, do not use a general. Last Mexican border towns offer very reasonable dentistry. Good Luck!
Good dental insurance?
Dental insurance isn't provided through our jobs, so we are looking for some coverage on our own. Does anyone have personal dental insurance? If so, which companies do you suggest?
Good dental insurance?
Dental coverage purchased as an individual almost never makes sense. Insurance companies could not stay in business if they paid out more in benefits than they take in in premiums. Most dental plans out there are not insurance at all but "discount plans" with unsustainably low fees which dentists often accept to get you in the door. There is then a strong incentive to steer patients to services with uncontrolled fees.
Your best bet if you can't get your employers to set up a group is to try to see if medical savings accounts are available. Failing that, if you expect high dental bills see if you can find a dentist who offers financing. Most dentists should be able to prioritize treatment and perform it in stages to make the financial pain more manageable.
Good luck,
Steve Bornfeld, DDS
Reply:cigna or something maybe aetna
Reply:delta dental
very good
Reply:I would recommend Delta Dental it is a really good dental insurance. Hope that helps.
Reply:try this site if you can look and search for the best dental company...www.oramd.com
Reply:http://www.BestForLessDental.com
Great plan, 14 bucks a month, $1,250 annual maximum. $100 deductible you meet once, not every year. Plus you can see any dentist you want. You know how most plans will make you wait 6 months before they kick in? This one has no waiting periods. Most importantly, it is NOT a discount or fee for service plan . It is a major comprehensive dental plan and it is fabulous. you can apply online or by calling 800-647-4589
Good dental insurance?
Dental coverage purchased as an individual almost never makes sense. Insurance companies could not stay in business if they paid out more in benefits than they take in in premiums. Most dental plans out there are not insurance at all but "discount plans" with unsustainably low fees which dentists often accept to get you in the door. There is then a strong incentive to steer patients to services with uncontrolled fees.
Your best bet if you can't get your employers to set up a group is to try to see if medical savings accounts are available. Failing that, if you expect high dental bills see if you can find a dentist who offers financing. Most dentists should be able to prioritize treatment and perform it in stages to make the financial pain more manageable.
Good luck,
Steve Bornfeld, DDS
Reply:cigna or something maybe aetna
Reply:delta dental
very good
Reply:I would recommend Delta Dental it is a really good dental insurance. Hope that helps.
Reply:try this site if you can look and search for the best dental company...www.oramd.com
Reply:http://www.BestForLessDental.com
Great plan, 14 bucks a month, $1,250 annual maximum. $100 deductible you meet once, not every year. Plus you can see any dentist you want. You know how most plans will make you wait 6 months before they kick in? This one has no waiting periods. Most importantly, it is NOT a discount or fee for service plan . It is a major comprehensive dental plan and it is fabulous. you can apply online or by calling 800-647-4589
Dental Insurance Problem?
What do I do when I thought I went in for a TMJ guard but came out with a bruxism guard? Now my insurance won't pay? My dental office prior to setting the appointment said my dental insurance would pay 80% now that the dental insurance won't pay because only TMJ not bruxism (which are closely related but not the same) is covered. We specifically asked if our insurance would cover this or we wouldn't of had the guard made as it is $1250. Also the insurance is not covering the x-rays either because the dental office didn't send them to the dental insurance for review. I already called the dental office and was told they "never guarantee any coverage by insurance" and would resend the appeal letter. The appeal letter still says in the notification that it is for bruxism so it was denied again. Not one mention when we were at the dentist office about bruxism. What do we do?
Dental Insurance Problem?
Night guards are a tricky billing situation. The majority of the time, insurance will only cover them for "bruxism", which is grinding of the teeth. Many if not most insurance plans have a TMJ exclusion. So, your dental office did what they thought was best.
You are right - TMJ and bruxism are related. Your insurance comapny is being ridiculous and you should be upset with them, not the dental office. I would suggest an appeal in writing from both you, and the dentist. Let them know the night guard will help with BOTH bruxism and TMJ (which is true).
Also, there is no reason for them to deny x-rays just because they weren't sent in. There's something wrong with that. Not every x-ray taken is sent to insurance and some companies won't even accept the films or return them if they ARE sent.
What your dental office probably should have done was pre-authorize the appliance. For an amout that high, pre-authorization is usually a good idea, especially with a "gray area" procedure.
Reply:unfortunately when dental insurances quote benefits they ALWAYS include the disclaimer "benefits are a quote only, not a guarantee of payment". a dental office submits claims only as a courtesy, and patients need to take responsibility to know what their coverage is before a procedure is done. one way is requesting a pre determination be done by the office and calling the insurance themselves. most people don't know that their insurance is their responsibility. write an appeal yourself and stay on top of the office. you should have explanation of benefits for all procedures. pull those out and go over them. if your ins has TMJ coverage, they should pay a little, if not ask your office for payment options. the nightguard that i have changed my life. it's worth it. i won't sleep without it. good luck to you.
Yellow Teeth
Dental Insurance Problem?
Night guards are a tricky billing situation. The majority of the time, insurance will only cover them for "bruxism", which is grinding of the teeth. Many if not most insurance plans have a TMJ exclusion. So, your dental office did what they thought was best.
You are right - TMJ and bruxism are related. Your insurance comapny is being ridiculous and you should be upset with them, not the dental office. I would suggest an appeal in writing from both you, and the dentist. Let them know the night guard will help with BOTH bruxism and TMJ (which is true).
Also, there is no reason for them to deny x-rays just because they weren't sent in. There's something wrong with that. Not every x-ray taken is sent to insurance and some companies won't even accept the films or return them if they ARE sent.
What your dental office probably should have done was pre-authorize the appliance. For an amout that high, pre-authorization is usually a good idea, especially with a "gray area" procedure.
Reply:unfortunately when dental insurances quote benefits they ALWAYS include the disclaimer "benefits are a quote only, not a guarantee of payment". a dental office submits claims only as a courtesy, and patients need to take responsibility to know what their coverage is before a procedure is done. one way is requesting a pre determination be done by the office and calling the insurance themselves. most people don't know that their insurance is their responsibility. write an appeal yourself and stay on top of the office. you should have explanation of benefits for all procedures. pull those out and go over them. if your ins has TMJ coverage, they should pay a little, if not ask your office for payment options. the nightguard that i have changed my life. it's worth it. i won't sleep without it. good luck to you.
Yellow Teeth
Deducting Uncovered Dental Expenses on Taxes?
I am trying to figure out what can be considered a deduction for uncovered medical and dental expenses.
I have read Topic 502 - repeatedly lol and I am still a bit confused.
Okay - my husband and I both wear eye glasses - and do not have vision coverage. Can we deduct these costs?
We have two children in orthodontic care (see why I need more deductions lol). Can orthodontic care be deducted?
We had approximately $600 in uncovered dental expenses (above or beyond scope of insurance coverage). Are these deductible?
The "Topic 502" seems to say yes - but I am deathly afraid of making a tax mistake!
Help!
Deducting Uncovered Dental Expenses on Taxes?
The items you mentioned are allowable medical deductions as long as they were paid with after tax dollars. In addition you can deduct the after cost of medical, dental and other health insurance as well as .20 cents per mile for driving to and from the doctor. Also the cost of parking to visit a doctor is a deductible medical cost.
Reply:Yes, the items you mention qualify as medical expenses. But you can only deduct them if you itemize. Even then, you have to subtract 7.5% of your adjusted gross income from your total med and dental expenses, and can only deduct what's over that. So many people are not really able to deduct the expenses, and you definitely don't get to deduct all of them because of the 7.5% subtraction.
Reply:Just do it. If they ask you, refer them to Topic 502 and point out that it says "yes."
Reply:Here's the problem.
If you and your husband have an income of $30,000, the first $2250 of medical expenses are disregarded. Only expenses ABOVE the 7.5% will increase your itemized deductions and if you don't already itemize, you won't get a benefit.
70% of taxpayers to not itemize.
I have read Topic 502 - repeatedly lol and I am still a bit confused.
Okay - my husband and I both wear eye glasses - and do not have vision coverage. Can we deduct these costs?
We have two children in orthodontic care (see why I need more deductions lol). Can orthodontic care be deducted?
We had approximately $600 in uncovered dental expenses (above or beyond scope of insurance coverage). Are these deductible?
The "Topic 502" seems to say yes - but I am deathly afraid of making a tax mistake!
Help!
Deducting Uncovered Dental Expenses on Taxes?
The items you mentioned are allowable medical deductions as long as they were paid with after tax dollars. In addition you can deduct the after cost of medical, dental and other health insurance as well as .20 cents per mile for driving to and from the doctor. Also the cost of parking to visit a doctor is a deductible medical cost.
Reply:Yes, the items you mention qualify as medical expenses. But you can only deduct them if you itemize. Even then, you have to subtract 7.5% of your adjusted gross income from your total med and dental expenses, and can only deduct what's over that. So many people are not really able to deduct the expenses, and you definitely don't get to deduct all of them because of the 7.5% subtraction.
Reply:Just do it. If they ask you, refer them to Topic 502 and point out that it says "yes."
Reply:Here's the problem.
If you and your husband have an income of $30,000, the first $2250 of medical expenses are disregarded. Only expenses ABOVE the 7.5% will increase your itemized deductions and if you don't already itemize, you won't get a benefit.
70% of taxpayers to not itemize.
Can anyone recommend a good dental insurance plan for implants?
I need about 20k of work in implants and cannot afford it. I need to find a good dental insurance plan that would provide some coverage to help me pay for this.
Can anyone recommend a good dental insurance plan for implants?
Hi my name is Jeffery M Salerno DDS
Unfortunately, there are very few insurance plans which offer implant coverage. Most insurance plans will pay for some of the restorations placed on the implants but do not cover the surgical placement of implants.
Insurance plans usually have a max allowable payout per year. For example they will pay a percentage of the first 1000-2000$ depending on the plan and type of coverage. Any other work after that within a 12 month time period is out of pocket by the patient.
I suggest looking into (Care Credit )or talking to your bank about a loan to cover the treatment you need.
Good Luck
Reply:Ask the dentist who wants to do the implants the best insurance for this work - as it varies state to state.
We switched to Horizon health care (dental) for ortho coverage it's better then what we had.
affiliate reviews
Can anyone recommend a good dental insurance plan for implants?
Hi my name is Jeffery M Salerno DDS
Unfortunately, there are very few insurance plans which offer implant coverage. Most insurance plans will pay for some of the restorations placed on the implants but do not cover the surgical placement of implants.
Insurance plans usually have a max allowable payout per year. For example they will pay a percentage of the first 1000-2000$ depending on the plan and type of coverage. Any other work after that within a 12 month time period is out of pocket by the patient.
I suggest looking into (Care Credit )or talking to your bank about a loan to cover the treatment you need.
Good Luck
Reply:Ask the dentist who wants to do the implants the best insurance for this work - as it varies state to state.
We switched to Horizon health care (dental) for ortho coverage it's better then what we had.
affiliate reviews
Where can i get dental insurance?
I have a job that doesnt cover dental and I go to school(no coverage there) and soon or later I need to get braces but right now I have two wisdoms I need removed.
I never done this before so I really dont know where to start insurance wise.
Where can i get dental insurance?
first u have to remove both wisdoms before the braces not one of them....
if u came to my clinic i can help u as much as i can.. u can contact me....
please give me the best answer
Reply:Well there are some dentist that may work with you on that. There are some discounted companys that you can sign up with. I help alot people out with this type of stuff. Ameriplan has helped over 60 billion people get the help they need. They have a dental discount program that you can sign up for and it's only $19.95 a month, plus you get free vision, pharmacy and chiropractor care for free!! You will save up to 80% on most procedures. Check it out and see if this would be a perfect match for you. www.mybenefitsplus.com/wishes.
I never done this before so I really dont know where to start insurance wise.
Where can i get dental insurance?
first u have to remove both wisdoms before the braces not one of them....
if u came to my clinic i can help u as much as i can.. u can contact me....
please give me the best answer
Reply:Well there are some dentist that may work with you on that. There are some discounted companys that you can sign up with. I help alot people out with this type of stuff. Ameriplan has helped over 60 billion people get the help they need. They have a dental discount program that you can sign up for and it's only $19.95 a month, plus you get free vision, pharmacy and chiropractor care for free!! You will save up to 80% on most procedures. Check it out and see if this would be a perfect match for you. www.mybenefitsplus.com/wishes.
Pros and cons of respiratory therapist/dental hygienist?? help!?
i have pretty much all of my pre reqs done for respiratory and dental hygiene, i am leaning away from dental because of the extreme comptetitiveness, and a negative vibe i get from the clinic. i know dental makes more, but doesnt have health coverage when you get out into the feild with part time jobs. what are some details of being a respiratory therapist before i completely choose this career path?
Pros and cons of respiratory therapist/dental hygienist?? help!?
Go to this website, and in the upper right corner type your job title query in, and you'll get a bunch of options. From there, choose the title that best fits your description, click on the link and it'll give you ALL sorts of info from hours to pay to future prospects for the job.
http://online.onetcenter.org/
Reply:Respiratory therapy is an extremely rewarding profession. Here are some pros and cons:
Pros:
-Average $50,000 starting salary (and expected to continue rising)
-INCREDIBLE job market (RTs are in HIGH demand)
-Significant opportunity for advancement (RT is a great way to introduce yourself to the healthcare system...many RTs go on to become Nurse anaestathists, or Physican assistants)
-Rewarding experiences with patients (you save lives...if someone cannot breathe, they cannot survive!)
Cons:
-A general lack of respect for the profession within the healthcare community (you will have to be strong and prove yourself)
-It can get (as some people say) "gross." A big part of your job will be to remove secretions from the airways of patients whom can no longer do so themselves
-12 hour shifts seem long to some people, but I don't find them to be too bad (p.s....you will most likely start out on night shift!)
I must caution you however. You should not choose respiratory therapy over dental hygeine because you find dental hygeine too competitive. You will also find "negative vibes" in ANY healthcare profession. Unfortunately, many people choose healthcare because of its financial promise, and this is the absolute worst reason to choose a field. I reccommend doing what you want...doing anything else will leave you extremely unfulfilled.
Pros and cons of respiratory therapist/dental hygienist?? help!?
Go to this website, and in the upper right corner type your job title query in, and you'll get a bunch of options. From there, choose the title that best fits your description, click on the link and it'll give you ALL sorts of info from hours to pay to future prospects for the job.
http://online.onetcenter.org/
Reply:Respiratory therapy is an extremely rewarding profession. Here are some pros and cons:
Pros:
-Average $50,000 starting salary (and expected to continue rising)
-INCREDIBLE job market (RTs are in HIGH demand)
-Significant opportunity for advancement (RT is a great way to introduce yourself to the healthcare system...many RTs go on to become Nurse anaestathists, or Physican assistants)
-Rewarding experiences with patients (you save lives...if someone cannot breathe, they cannot survive!)
Cons:
-A general lack of respect for the profession within the healthcare community (you will have to be strong and prove yourself)
-It can get (as some people say) "gross." A big part of your job will be to remove secretions from the airways of patients whom can no longer do so themselves
-12 hour shifts seem long to some people, but I don't find them to be too bad (p.s....you will most likely start out on night shift!)
I must caution you however. You should not choose respiratory therapy over dental hygeine because you find dental hygeine too competitive. You will also find "negative vibes" in ANY healthcare profession. Unfortunately, many people choose healthcare because of its financial promise, and this is the absolute worst reason to choose a field. I reccommend doing what you want...doing anything else will leave you extremely unfulfilled.
Dental Insruance?
Does anyone have Ameritas Group dental Insurance if so how is the coverage? Does anyone have any suggestions to Dental Insurance
Dental Insruance?
Ameriplan is not insurance. It is a dental discount plan and at least one state thinks it is a fraud.
Ameritas is a fairly large company. The coverage depends on what the employer pays for. When the "group" (whether it is your job or some other group of people) shops for a plan, they can purchase various options - orthodontia, implants, low deductibles, etc. Of course, the more covered services, the higher the fees.
Individual dental insurance is usually not a good investment as the premiums are almost as high as the coverage.
Reply:Honey I think most dental plans aren't that good, but I've never heard of Ameritas.
Reply:I have not heard of Ameritas, but I have Ameriplan Dental Plus and I save alot of money at my dental visits. There are no limitations put on your dental care. You can join online at http://www.MyBestDentalBenefits.com
Dental Insruance?
Ameriplan is not insurance. It is a dental discount plan and at least one state thinks it is a fraud.
Ameritas is a fairly large company. The coverage depends on what the employer pays for. When the "group" (whether it is your job or some other group of people) shops for a plan, they can purchase various options - orthodontia, implants, low deductibles, etc. Of course, the more covered services, the higher the fees.
Individual dental insurance is usually not a good investment as the premiums are almost as high as the coverage.
Reply:Honey I think most dental plans aren't that good, but I've never heard of Ameritas.
Reply:I have not heard of Ameritas, but I have Ameriplan Dental Plus and I save alot of money at my dental visits. There are no limitations put on your dental care. You can join online at http://www.MyBestDentalBenefits.com
Can anyone recommend a good dental insurance company?
I have to pay for insurance on my own and I tend to have a lot of dental problems so I know I will need good coverage. Any recommendations for good private dental insurance companies? Thanks!!
Can anyone recommend a good dental insurance company?
Ameriplan is a great company to go with. They can save you up to 80% on your dental care, and their plan also comes with vision, prescription and chiropractic care. The individual plan cost $11.95 per month and the houshold plan is $19.95 per month. You can view more about the plans, search for providers in your area and find a number to call or sign up at the following website: http://www.mybenefitsplus.com/mlein
Good Luck :) FYI they also have medical plans in addition to the dental plan and the medical plan includes the dental plan and it cost $49.95 for an individual and $59.95 per month for a houshold.
Michelle
Reply:Usually most insurance companies you have to go thru your employer. But i recommend to all my patients to try Ameriplan it gives you 25% off the bill at a specialist and i think it's more at the dentists. I work for an oral surgery office and do billing. I really recommend that plan and is Cheap i think you pay $15 for your self or $19 to cover the whole household a month .. Good Luck!!!
Reply:I don't know if it's available privately, but Delta dental is good. They pay for 2 cleanings a year, x-rays once a year, and 80% of everything else
Reply:Hi,
I doubt if you can get dental insurance on your own. Most dental insurance is provided to employees by their employers as a benefit. Ask your employer or colleagues about this.
There is however the option of a getting a dental discount plan - sort of discount club to get savings on your dental treatment costs.
These are much are easier to get even online and you have wide choice of dental plans to choose from. You can go through the schedule of payments, and other terms and conditions and pay for a plan that meets your needs.
Fortunately there are no waiting periods, pre-existing conditions clauses or exclusions. You pay up front to the dentist - his discounted fee. No paper work no hassles.
You can try to get this as a stop gap or as an additional to your dental insurance, if you can get one.
Hope this helps!
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Can anyone recommend a good dental insurance company?
Ameriplan is a great company to go with. They can save you up to 80% on your dental care, and their plan also comes with vision, prescription and chiropractic care. The individual plan cost $11.95 per month and the houshold plan is $19.95 per month. You can view more about the plans, search for providers in your area and find a number to call or sign up at the following website: http://www.mybenefitsplus.com/mlein
Good Luck :) FYI they also have medical plans in addition to the dental plan and the medical plan includes the dental plan and it cost $49.95 for an individual and $59.95 per month for a houshold.
Michelle
Reply:Usually most insurance companies you have to go thru your employer. But i recommend to all my patients to try Ameriplan it gives you 25% off the bill at a specialist and i think it's more at the dentists. I work for an oral surgery office and do billing. I really recommend that plan and is Cheap i think you pay $15 for your self or $19 to cover the whole household a month .. Good Luck!!!
Reply:I don't know if it's available privately, but Delta dental is good. They pay for 2 cleanings a year, x-rays once a year, and 80% of everything else
Reply:Hi,
I doubt if you can get dental insurance on your own. Most dental insurance is provided to employees by their employers as a benefit. Ask your employer or colleagues about this.
There is however the option of a getting a dental discount plan - sort of discount club to get savings on your dental treatment costs.
These are much are easier to get even online and you have wide choice of dental plans to choose from. You can go through the schedule of payments, and other terms and conditions and pay for a plan that meets your needs.
Fortunately there are no waiting periods, pre-existing conditions clauses or exclusions. You pay up front to the dentist - his discounted fee. No paper work no hassles.
You can try to get this as a stop gap or as an additional to your dental insurance, if you can get one.
Hope this helps!
football shoes
What's the difference between dental insurance and dental plans?
I need to see a dentist and don't get coverage through work. I've googled dental insurance, but dental plans keep coming up. What's the difference? and can you recommend any specific insurance or plan? I live in the SF Bay Area.
What's the difference between dental insurance and dental plans?
They are actually the same. Plan sounds better than insurance in a sales pitch. Most businesses offer employees health insurance plans.
Either one can have restrictions, such as requiring you to go to a specific group of dentists.
Reply:They are both the same. I'm in socal now but I used to live in sf. I check out dentalplans.com, westerndental.com, deltadental.com and now currently use bluecross. Westerndental is good and offered good plans but I switched because I went to the one on Market st. and was always a long wait. Bluecross on your own is okay, not great. I got the hmo, the ppo has a $1000 maximum. It's great for basic work but for more work it barely covers. Deltadental was really good. But the premium is a bit pricey so I had to switch. If you can get it at your work, go for it, usually they are better than the ones you can get on your own. Also, don't know if you do this but when I lived in sf, I asked the dentist if he can give me a break if I pay cash. Some were really generous, like $500 off so try to ask. Most here in socal don't do that so it's a huge advantage up there. Oh yeah, if you have a specific doctor, check out http://www.doctoroogle.com they have doctor ratings. On a personal note - I miss Sf so much, lol! =)
Reply:Dental insurance has limitations, deductibles and annual maximums and certain dental specialties, such as cosmetic dentistry, are rarely covered. But services like regular check-ups and cleanings are usually free. (have limitations per year)
Dental plans is when you pay membership fees for access to a network of providers offering discounts on most dental procedures.
You might want to search for dentists in your area and see what insurance or plan they accept. Good luck!
http://www.dentalplans.com/moreinfo/plan...
p.s. Did you ever find that street in Millbrae for trick or treating? If not, It's Taylor Blvd. behind Trader Joes and Walgreens.
What's the difference between dental insurance and dental plans?
They are actually the same. Plan sounds better than insurance in a sales pitch. Most businesses offer employees health insurance plans.
Either one can have restrictions, such as requiring you to go to a specific group of dentists.
Reply:They are both the same. I'm in socal now but I used to live in sf. I check out dentalplans.com, westerndental.com, deltadental.com and now currently use bluecross. Westerndental is good and offered good plans but I switched because I went to the one on Market st. and was always a long wait. Bluecross on your own is okay, not great. I got the hmo, the ppo has a $1000 maximum. It's great for basic work but for more work it barely covers. Deltadental was really good. But the premium is a bit pricey so I had to switch. If you can get it at your work, go for it, usually they are better than the ones you can get on your own. Also, don't know if you do this but when I lived in sf, I asked the dentist if he can give me a break if I pay cash. Some were really generous, like $500 off so try to ask. Most here in socal don't do that so it's a huge advantage up there. Oh yeah, if you have a specific doctor, check out http://www.doctoroogle.com they have doctor ratings. On a personal note - I miss Sf so much, lol! =)
Reply:Dental insurance has limitations, deductibles and annual maximums and certain dental specialties, such as cosmetic dentistry, are rarely covered. But services like regular check-ups and cleanings are usually free. (have limitations per year)
Dental plans is when you pay membership fees for access to a network of providers offering discounts on most dental procedures.
You might want to search for dentists in your area and see what insurance or plan they accept. Good luck!
http://www.dentalplans.com/moreinfo/plan...
p.s. Did you ever find that street in Millbrae for trick or treating? If not, It's Taylor Blvd. behind Trader Joes and Walgreens.
Dental affordability?
I am a disabled person who has gone through life with an in- ability to smile.The existing coverage plan offers limited coverage for the needed work I dental work I need. I really would like to smile again, please guide me to some one who may be able to help me.
Dental affordability?
Their may be some dental colleges near you and the dentists trainees can do the work.
Don't worry,their work is well supervised.
Reply:just go to the "free clinic for the disabled and smiling challenged" in harrisburg, alaska. i think it's only open in summer so you should book an appointment soon.
Dental affordability?
Their may be some dental colleges near you and the dentists trainees can do the work.
Don't worry,their work is well supervised.
Reply:just go to the "free clinic for the disabled and smiling challenged" in harrisburg, alaska. i think it's only open in summer so you should book an appointment soon.
Pro bono dental care in grand rapids mi?
I am a community heath care worker trying to find out if there is any pro bono dental care in Gr. MI. to assist clients. All are low income, most are uninsured in the dental dept. Some have limited health coverage. Our service helps people to resource.
Pro bono dental care in grand rapids mi?
I don't know of any probono, but teaching schools are a great resource for person's with little to no insurance. My dental hygiene school only charges $25 for adults and $15 for kids and seniors (that includes many things along with a cleaning, such as x-rays). Try looking up dental and dental hygiene schools in your area.
Pro bono dental care in grand rapids mi?
I don't know of any probono, but teaching schools are a great resource for person's with little to no insurance. My dental hygiene school only charges $25 for adults and $15 for kids and seniors (that includes many things along with a cleaning, such as x-rays). Try looking up dental and dental hygiene schools in your area.
Dental insurance supplement/gap providers?
My husband is active duty military and we received dental as part of our insurance coverage. While the regular visits for cleanins are completely covered, everything else is paid on a split cost (at my husband's rank, our share averages out to about 50%), plus we are responsible for the difference in what the insurance says is the allowed fee and the actual fee. We also have a yearly cap of $1500 per family member, and this include things like braces, extractions, etc. While we are fortunate to have any coverage, we are struggling to pay our share of the fees (example..out of $5000 in braces for oldest, military only paid $1500 as that is the yearly cap). Does anyone know of any supplementary dental plans?? I'd appreciate any suggestions (I only work PT and am a student).
Dental insurance supplement/gap providers?
Unfourtuantely, this is what most dental ins. providers cover. $1500 yearly max is actually pretty good. Plus a lot of insurance don't cover orthodontic work, so it's really not that bad. I find that most people have this problem, thinking their insurance actually covers more. If you have any questions please feel free to contact me. I know tons about dental ins.
Reply:My wife and I have a benefit plan through Ameriplan and on braces you would be able to save up to 60% depending on what part of the country you live in. On other dental procedures you can save up to 80%. The best thing is that this plan includes vision, chiropractic, and prescription savings as well and it only costs me and my wife $19.95 a month and that includes the whole family. http://www.mybenefitsplus.com/JBurke
Reply:please try this %26lt;a href="http://www.anrdoezrs.net/click-174... target="_top"%26gt;help!%26lt;/a%26gt;
%26lt;img src="http://www.lduhtrp.net/image-174819...
Reply:You can get a lot of saving on this program;
Example:
Braces will cost only $2200 With your military payment of $1500 , you would have to pay only $700 extra.
It does help, doesn't it?
But first make sure there are dentists that accept this program in your area.
http://mybenefitsplus.com/wpaul
Reply:Here is a site where you can view a host of supplemental dental providers listed by region.
http://www.consumersadvantagedentalcare....
Reply:Hi Annie! I too have dental insurance that doesn't cover everything... those costs can become WAY too high. I just use a dental plan in addition to my (meager!) insurance. If you want a coupon try going to an affiliate site like www.dentalplansaver.com and you can save 10% a year. There are about thirty different plans to choose from 80$ a year and up. This is a great way to save thousands, and has worked well for me. Please BE CAREFUL that you are not going to a fraudulant site! There are a lot of scam artists out there and you have to be careful. If you go to http://www.dentalplansaver.com there should be a coupon you can click on, or get the coupon code and you can call the direct company and save money (and actually speak with a real person!) This has worked well for me, and my family...I hope everything works out well for you. Thank your husband for serving our country and a big thank you for being a supportive wife!
Reply:Please visit http://www.getfreedental.com. You will get lots of helpful information to get free or low cost dental work.
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Dental insurance supplement/gap providers?
Unfourtuantely, this is what most dental ins. providers cover. $1500 yearly max is actually pretty good. Plus a lot of insurance don't cover orthodontic work, so it's really not that bad. I find that most people have this problem, thinking their insurance actually covers more. If you have any questions please feel free to contact me. I know tons about dental ins.
Reply:My wife and I have a benefit plan through Ameriplan and on braces you would be able to save up to 60% depending on what part of the country you live in. On other dental procedures you can save up to 80%. The best thing is that this plan includes vision, chiropractic, and prescription savings as well and it only costs me and my wife $19.95 a month and that includes the whole family. http://www.mybenefitsplus.com/JBurke
Reply:please try this %26lt;a href="http://www.anrdoezrs.net/click-174... target="_top"%26gt;help!%26lt;/a%26gt;
%26lt;img src="http://www.lduhtrp.net/image-174819...
Reply:You can get a lot of saving on this program;
Example:
Braces will cost only $2200 With your military payment of $1500 , you would have to pay only $700 extra.
It does help, doesn't it?
But first make sure there are dentists that accept this program in your area.
http://mybenefitsplus.com/wpaul
Reply:Here is a site where you can view a host of supplemental dental providers listed by region.
http://www.consumersadvantagedentalcare....
Reply:Hi Annie! I too have dental insurance that doesn't cover everything... those costs can become WAY too high. I just use a dental plan in addition to my (meager!) insurance. If you want a coupon try going to an affiliate site like www.dentalplansaver.com and you can save 10% a year. There are about thirty different plans to choose from 80$ a year and up. This is a great way to save thousands, and has worked well for me. Please BE CAREFUL that you are not going to a fraudulant site! There are a lot of scam artists out there and you have to be careful. If you go to http://www.dentalplansaver.com there should be a coupon you can click on, or get the coupon code and you can call the direct company and save money (and actually speak with a real person!) This has worked well for me, and my family...I hope everything works out well for you. Thank your husband for serving our country and a big thank you for being a supportive wife!
Reply:Please visit http://www.getfreedental.com. You will get lots of helpful information to get free or low cost dental work.
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I need dental work.?
I need dental work but, Medicaid adult coverage doesnt cover much at alll, and the so called "discounted rates" are still too expensive...are there any pro-bono dentists in the Ft. Lauderdale, FL area? Please help. Thanks.
I need dental work.?
Whatever area you are in, there will be some kind of local charity that will help with small money amounts paid to whatever local dentist that they have a relationship with. There may be one that covers the entire cost of one pulled tooth per year, that is the usual amount.
Places like Salvation Army or United Way are listed by name in your phone book, and even if they don't have anything in your area, they can help you find other agencies around you that could atleast give you more information.
Dental colleges can help in several instances. They have wait-in-line type charity days where you can get your teeth pulled or filled and only pay a small fee. If you need something more extensive done, they can let you talk to a dental counselor to evaluate how much work you need.
However, in my case the 2 colleges we looked into told us that once you sign up for their program (this is to get dental surgery, braces, root canals, etc.) then they still charge you from 50-80% and they both required us to keep coming back until THEY said that all the required work had been completed.
I believe that if you contact the operator, dial 0, that they can tell you the # of your state's help line. Some states offer dental services for those that qualify financially or medically, such as elderly or disabled. Call your local human resources center--same place that you'd apply for Medicaid or Foodstamps etc.
I know that for Texas it is 211.
Also, if you just plain call a local dentist, they usually have atleast some idea of who in the area either offers help or who else to call.
Finally, there is a dental credit card that you can apply for. It is only used for dental work and cannot be used anywhere else. You can apply online or contact a local dentist. It usually tells you within minutes if you qualify.
Good luck.
Reply:If you need dental for yourself, with our company it will be only $11.95/month. Family coverage is only $19.95/month and we will cover everyone in your household. For the month of May, we will give you your first month FREE (only the household plan). For more info go to http://www.apdiscounts.com Report It
Reply:Specifically I cannot tell you about the Ft. Lauderdale area, but you can register as a patient at a dental school and have the work done by dental students under the supervision of a licensed and Board Certified Dentist in the State of Florida. Hope this helps.
I need dental work.?
Whatever area you are in, there will be some kind of local charity that will help with small money amounts paid to whatever local dentist that they have a relationship with. There may be one that covers the entire cost of one pulled tooth per year, that is the usual amount.
Places like Salvation Army or United Way are listed by name in your phone book, and even if they don't have anything in your area, they can help you find other agencies around you that could atleast give you more information.
Dental colleges can help in several instances. They have wait-in-line type charity days where you can get your teeth pulled or filled and only pay a small fee. If you need something more extensive done, they can let you talk to a dental counselor to evaluate how much work you need.
However, in my case the 2 colleges we looked into told us that once you sign up for their program (this is to get dental surgery, braces, root canals, etc.) then they still charge you from 50-80% and they both required us to keep coming back until THEY said that all the required work had been completed.
I believe that if you contact the operator, dial 0, that they can tell you the # of your state's help line. Some states offer dental services for those that qualify financially or medically, such as elderly or disabled. Call your local human resources center--same place that you'd apply for Medicaid or Foodstamps etc.
I know that for Texas it is 211.
Also, if you just plain call a local dentist, they usually have atleast some idea of who in the area either offers help or who else to call.
Finally, there is a dental credit card that you can apply for. It is only used for dental work and cannot be used anywhere else. You can apply online or contact a local dentist. It usually tells you within minutes if you qualify.
Good luck.
Reply:If you need dental for yourself, with our company it will be only $11.95/month. Family coverage is only $19.95/month and we will cover everyone in your household. For the month of May, we will give you your first month FREE (only the household plan). For more info go to http://www.apdiscounts.com Report It
Reply:Specifically I cannot tell you about the Ft. Lauderdale area, but you can register as a patient at a dental school and have the work done by dental students under the supervision of a licensed and Board Certified Dentist in the State of Florida. Hope this helps.
Is it legal to get Medi-Cal coverage while having Private Insurance?
My husband pays for medical and dental from his employer for coverage for his daughter. His ex also put her on Medi-Cal ( state based health coverage associated w/ welfare) for free co-pays.
Is this legal?? Basically its a healthy child with double coverage and the state is paying for one side of the coverage...legal?
Is it legal to get Medi-Cal coverage while having Private Insurance?
It is legal as long as Medicaid knows about the other policy. The private insurance will be primary and Medicaid will be secondary, paying what the primary doesn't pay. If Medicaid does not know about the private policy it could be considered Medicaid fraud.
Is this legal?? Basically its a healthy child with double coverage and the state is paying for one side of the coverage...legal?
Is it legal to get Medi-Cal coverage while having Private Insurance?
It is legal as long as Medicaid knows about the other policy. The private insurance will be primary and Medicaid will be secondary, paying what the primary doesn't pay. If Medicaid does not know about the private policy it could be considered Medicaid fraud.
Short term dental insurance for root canal?
Not to sound like a scammer, but my girlfriend is in a pretty bad situation. She is a graduate student, and has limited medical coverage with absolutely no dental. She had not visited a dentist in two years, and recently had a visit that resulted in a recommendation for a root canal and crown.
Looking at fee structures, it would appear that the whole procedure could easily cost $1500+. As a grad student, she obviously was not prepared for this. I've looked online at "discount" plans, and see ones that (for ~$5-10/mo) give you about a 20% price break. Still not that desirable ... Is there any "easy" out in this situation? Without spending thousands of dollars?
Thanks in advance!
Short term dental insurance for root canal?
have you looked at AmeriPlan yet? AmeriPlan has month-to-month programs for $19.95/month, with discounts up to 80%. You can check their fee schedule on-line.
Reply:There are "Discount Plans"...
http://www.dentalplans.com/
Find an office that takes offers CARE CREDIT at carecredit.com. At least that will help you make monthly payments and you can get the discount plan. It really makes a difference. Otherwise there really isn't another way besides going to a dental school and allowing them to do it.
I wish the best for your girlfriend. I deal with people in your situation everyday. Dental work is SO expensive.
Looking at fee structures, it would appear that the whole procedure could easily cost $1500+. As a grad student, she obviously was not prepared for this. I've looked online at "discount" plans, and see ones that (for ~$5-10/mo) give you about a 20% price break. Still not that desirable ... Is there any "easy" out in this situation? Without spending thousands of dollars?
Thanks in advance!
Short term dental insurance for root canal?
have you looked at AmeriPlan yet? AmeriPlan has month-to-month programs for $19.95/month, with discounts up to 80%. You can check their fee schedule on-line.
Reply:There are "Discount Plans"...
http://www.dentalplans.com/
Find an office that takes offers CARE CREDIT at carecredit.com. At least that will help you make monthly payments and you can get the discount plan. It really makes a difference. Otherwise there really isn't another way besides going to a dental school and allowing them to do it.
I wish the best for your girlfriend. I deal with people in your situation everyday. Dental work is SO expensive.
Is there such a thing as low cost dental insurance?
I need a dental plan with comprehensive coverage. Thanks!
Is there such a thing as low cost dental insurance?
I don't have dental insurance so found out about the local University School of Denistry, which here in Las Vegas, NV is UNLV .. they take your wages and determine how much you will pay per dental visit by what your yearly income is which ours is quite low because my husband is disabled with one leg amputated and only a third foot left on the opposite let due to progressing diabetes problems since being diagnosed in 1994. He gets only $1100.00 a month and because he has so many other health issues, I have to be here with him...so therefore, I have to pay 25% of whatever the dental charges are and I have just got upper dentures which were affordable to me because of the discount. It will be a licensed dentist that actually works on you but there could also be students that may be on the side line watching and or learning the different techniques that's being taught by the school. Hope this helps somewhat..you can call your local welfare office to get the low income information....BEST OF LUCK
Source(s):
University of Las Vegas, NV
Source(s):
University of Las Vegas, NV
Reply:Sir this is the era of dental tourism , why do not you plan a trip to our clinic %26amp; get your teeth cured . your whole expense including boarding %26amp; lodging will be less than what you pay in u s or canada
thanks
Dr Thind
www.thind.com
Reply:This is not insurance but they are under $20.00 a month for the entire family and it includes Free Vision, Free Prescription and Free Chiropractic Care. I use them and have saved a good amount of money.
Hope you find what your looking for!!!
dance shoes
Is there such a thing as low cost dental insurance?
I don't have dental insurance so found out about the local University School of Denistry, which here in Las Vegas, NV is UNLV .. they take your wages and determine how much you will pay per dental visit by what your yearly income is which ours is quite low because my husband is disabled with one leg amputated and only a third foot left on the opposite let due to progressing diabetes problems since being diagnosed in 1994. He gets only $1100.00 a month and because he has so many other health issues, I have to be here with him...so therefore, I have to pay 25% of whatever the dental charges are and I have just got upper dentures which were affordable to me because of the discount. It will be a licensed dentist that actually works on you but there could also be students that may be on the side line watching and or learning the different techniques that's being taught by the school. Hope this helps somewhat..you can call your local welfare office to get the low income information....BEST OF LUCK
Source(s):
University of Las Vegas, NV
Source(s):
University of Las Vegas, NV
Reply:Sir this is the era of dental tourism , why do not you plan a trip to our clinic %26amp; get your teeth cured . your whole expense including boarding %26amp; lodging will be less than what you pay in u s or canada
thanks
Dr Thind
www.thind.com
Reply:This is not insurance but they are under $20.00 a month for the entire family and it includes Free Vision, Free Prescription and Free Chiropractic Care. I use them and have saved a good amount of money.
Hope you find what your looking for!!!
dance shoes
How can I get Dental Insurance?
Hi, I'm on SSDI - and I have Medicare and Wisconsin Hirsp - a high risk state program, and neither covers any dental work for me, and I've been paying for everything out of my pocket and I've spent a small fortune on dental work.
What other coverage can I get. I don't have a lot of income - but I think it will be worth it to try to get coverage. I'm in Wisconsin.
thanks
How can I get Dental Insurance?
You have three options with dental.
Insurance - Depending upon the policy: cost $30-$60 per month. $50 deductible, annual maximum of $750 - $1500, waiting period up to 18 months for major work and then you're paying 50% of the charges. Example - average cost for a root canal in my area is $829. With insurance you pay $414 after paying 18 months of premium (around $800 or $900). Advantage - you can use any dentist with most plans.
Discount plans - Cost - $5-$12 per month. No deductible, no annual maximum and no waiting periods. Also, hardly any dentists will accept the plan and when they do you MIGHT get a 10% discount, which is about the same discount you can get by paying cash. Example - average cost for a root canal in my area is $829. With discount plans you pay around $746. Be very wary of these plans because most are scams. The people that sell these plans have little or no knowledge about health %26amp; dental insurance and do not need a license to sell them. The plans are not regulated by the state so you have no recourse when you have problems. Some states are starting to ban these plans from being sold. Here is an informative link http://www.insurancejournal.com/news/wes... concerning these plans.
Fee for Service discount plans - Cost $7-$15 per month. No deductible, no annual maximum and no waiting periods. Many dentist will accept the plan (check providers first before signing up with any plan). When you use the plan there is a set fee that the dentist will charge you. Example - average cost for a root canal in my area is $829. With fee for service plans you pay as little as $404.
I'm an insurance agent and my personal plan is the fee for service plan. I got mine here http://www.dpbrokers.com/default.aspx?lo... specifically the Aetna Dental Access plan but which one you get depends upon your area and comparing the fee schedule to find the best for what you need covered.
Reply:With Ameriplan, you can save a lot of money at the dentist. The dental plan is only $11.95/month for an individual and includes free vision, prescription, and chiropractic plans. You can read more about it at the site below.
Reply:Hi
It is difficult to get dental insurance on your own. Most dental insurance is provided to employees by their employers as a benefit. Ask your employer or colleagues about this.
Apart from these there are dental reimbursement plans, dental group plans and so on which are different types of dental covers offered by employers to their employees. IF your employer happens to offer them then you can opt for them.
I am assuming here that you don't have any employer given dental cover, in that case a dental discount plan - sort of discount club to get savings on your dental treatment costs is an option you can explore.
But from your reply I think even this option has not worked for you.
There is one suggestion I can offer that I hope will reduce your dental bills, since you say you don't have a big income. Try the local dental schools. The schools need patients for their students to learn their craft. So, you can get a lot of dental work done cheap or for FREE. It won't be great quality work but it won't be bad either. Experienced supervisors will be around keeping an eye on their students and patients. So that is an option you can explore.
If you insist on dental insurance then check out the blog below, I saw a link to "Get a quote" for dental insurance. May be they have dental insurance on it. I don't know cos I did not check that out.
Reply:try aflac, i pay about $50.00 a month for my wife and i
Reply:I am sure you have checked into this, but are you sure that SSDI doesn't cover some dental work. My grand-daughter is on SSDI and just had to find the right clinic associated with our local hospital and her regular dental work bills were covered. I know regular dentists didn't accept the SSDI, but when we found the right clinic, we were all set. Good Luck
What other coverage can I get. I don't have a lot of income - but I think it will be worth it to try to get coverage. I'm in Wisconsin.
thanks
How can I get Dental Insurance?
You have three options with dental.
Insurance - Depending upon the policy: cost $30-$60 per month. $50 deductible, annual maximum of $750 - $1500, waiting period up to 18 months for major work and then you're paying 50% of the charges. Example - average cost for a root canal in my area is $829. With insurance you pay $414 after paying 18 months of premium (around $800 or $900). Advantage - you can use any dentist with most plans.
Discount plans - Cost - $5-$12 per month. No deductible, no annual maximum and no waiting periods. Also, hardly any dentists will accept the plan and when they do you MIGHT get a 10% discount, which is about the same discount you can get by paying cash. Example - average cost for a root canal in my area is $829. With discount plans you pay around $746. Be very wary of these plans because most are scams. The people that sell these plans have little or no knowledge about health %26amp; dental insurance and do not need a license to sell them. The plans are not regulated by the state so you have no recourse when you have problems. Some states are starting to ban these plans from being sold. Here is an informative link http://www.insurancejournal.com/news/wes... concerning these plans.
Fee for Service discount plans - Cost $7-$15 per month. No deductible, no annual maximum and no waiting periods. Many dentist will accept the plan (check providers first before signing up with any plan). When you use the plan there is a set fee that the dentist will charge you. Example - average cost for a root canal in my area is $829. With fee for service plans you pay as little as $404.
I'm an insurance agent and my personal plan is the fee for service plan. I got mine here http://www.dpbrokers.com/default.aspx?lo... specifically the Aetna Dental Access plan but which one you get depends upon your area and comparing the fee schedule to find the best for what you need covered.
Reply:With Ameriplan, you can save a lot of money at the dentist. The dental plan is only $11.95/month for an individual and includes free vision, prescription, and chiropractic plans. You can read more about it at the site below.
Reply:Hi
It is difficult to get dental insurance on your own. Most dental insurance is provided to employees by their employers as a benefit. Ask your employer or colleagues about this.
Apart from these there are dental reimbursement plans, dental group plans and so on which are different types of dental covers offered by employers to their employees. IF your employer happens to offer them then you can opt for them.
I am assuming here that you don't have any employer given dental cover, in that case a dental discount plan - sort of discount club to get savings on your dental treatment costs is an option you can explore.
But from your reply I think even this option has not worked for you.
There is one suggestion I can offer that I hope will reduce your dental bills, since you say you don't have a big income. Try the local dental schools. The schools need patients for their students to learn their craft. So, you can get a lot of dental work done cheap or for FREE. It won't be great quality work but it won't be bad either. Experienced supervisors will be around keeping an eye on their students and patients. So that is an option you can explore.
If you insist on dental insurance then check out the blog below, I saw a link to "Get a quote" for dental insurance. May be they have dental insurance on it. I don't know cos I did not check that out.
Reply:try aflac, i pay about $50.00 a month for my wife and i
Reply:I am sure you have checked into this, but are you sure that SSDI doesn't cover some dental work. My grand-daughter is on SSDI and just had to find the right clinic associated with our local hospital and her regular dental work bills were covered. I know regular dentists didn't accept the SSDI, but when we found the right clinic, we were all set. Good Luck
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