Sunday, October 31, 2010

dental insurance?

I need extensive work done to my teeth, and I will not be able to afford it without insurance. Can one take out a dental insurance stating that the work needs to be done or will they charge you a lot for insurance if you tell them that? (or refuse to give you one altogether?) what's your experiences with that?
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Many large insurance company's have policies available that isn't part of the group insurance system. You will have to pay a monthly fee. For some it can be as low as 10-20$ a month. There may be a waiting period of 3-6mths. There is a deductible and most good plans cover 80-100% aafter deductible on basic care ( cleaning, fillings) up to 1500%. And 50% on the major stuff ( scaling, root canals, crowns.) You can always keep the plan for a year or untill all the work is done. Ask the dentist to give a list of what the work is so that you can choose that right plan for you. You should check to see of medical expenise are tax deductable. Here they are after 1500$. If you what to ask for your x-rays and get a second opinion on the work. Use key words: private Dental Insurance Plan UK And when this is all finished, try to put 10$ a month away for a regular checkup and cleaning. Good Luck:) BTW Just because you have insurance doesn't mean you're off the hook. Some dentists make you pay up front and have you deal with the insurance company. Read your policy and keep all numbers handy.
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