real dental dental insurance not a disount dental plan?

i have some work that needs to be done a few extractions and 2 impacted wisdom teeth surgically removed, im in indiana btw and im wondering if anyone can recomend real dental insurance and no discount plans with real dental plans is there like a time exclusion that u have to wait for certain services to be performed?
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"Real" private dental insurance usually costs $600 (or more) per a year and has a 6 month (or more) pre-existing conditions exclusion provision. If you don't get dental insurance from an employer, you are out of luck. I am self-employed and I use a discount plan. You can find some at http://www.lowpriceddentalplans.com.
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On my dental insurance plan they cover Prosthetic REB. What is that?

the cover prosthetic reb and prosthetic rel....what does that mean?
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It stands for re basing and relining. Both procedures are done to make the prosthesis fit better.
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affordable dental and orthodontics insurance in florida?

I can't find anything, I do not need health insurance just dental.. i had it through my grandfather ant it was recently canceled, any suggestions would be appreciated thank you!
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YOu are not the only one who met this problem,I have met this type of problem before.I have good experience here http://www.HealthInsuranceIdeas.info to solve my similiar problem.
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what is the best dental insurance if you need dentures in calif?

i would like a dentist willing to accept payments also
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I would encourage a visit to this site: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago now and they have saved me thousands of dollars since on all services. I never needed to inquire a dentures, but I know that they are included in this very affordable plan. They even had my benefits active in 2 hours and was able to use it the very same day. hope this helps.
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Is there a dental insurance that I do not have to pay up front cost on...?

I went to the dentist and I had to pay the total cost up front first and I had to make a claim myself. I need to know is there a dental insurance that I dont have to pay up front, when i go to the dentist
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Well, you will have to pay a lot a month, or pay less and pay up front. Its a tough decision, been there...For my family I chose this great plan:www.healthsavings.ourperfectcard.co… I signed up online over 5 years ago now and they have saved me thousands on all dental services. Cleanings, xrays, root canals, exams...etc. They even had my very very affordable benefits active in 2 hours and was able to use it the very same day. hope this helps.
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Humana one dental insurance plan Question?

Does the humana one dental C550 plan, have a set limit of how much you can use during a year period. Like a set dollar amount.
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Yes they do and all policies are different. Call the toll free number to speak to a customer service rep to find out what limits your policy has.
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My friend has no dental insurance and is in alot of pain with a wisdom tooth. How much will it cost to have t?

it removed?
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I would strongly encourage a visit to this site: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago now and they have saved me thousands on all services. From cleanings, extractions, xrays...etc. All services are included in this very affordable plan. They even had my benefits active in 2 hours and was able to use it the very same day. good luck and hope this helps
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What is the best Dental Insurance?

I'm looking for a cheap monthly payment that will cover me for the occassional filling and check up.
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You are probably best with Denplan, they have the widest number of dentists in the UK http://www.denplan.co.uk/patients.htm
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dental insurance for an elderly person?

i'm looking to get a dental plan/insurance for my Dad who is over 70 years old. i would really prefer a PPO plan. any suggestions? thanks!
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You can check out the SMILE plan. They cover folks over 65, and just lowered their rates. You can reach them at 800.647.4589
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Please can you find the telephone number to Seledent Dental Insurance?

Dental health insurance company for NYC housing inspectors
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i think here http://www.healthup.us/Choosing-a-Health… you find helpfull links about health insurance plans
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Dental insurance versus discount plan?

I am looking at getting dental and vision insurance coverage or sign up with a discount plan. I'm not sure which to do. I need to go to the optometrist (need glasses) and the dentist pretty soon. Any advice?
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health-quotes.isgreat.org - my family have this health insurance. It is affordable and has good coverage for dental issues.
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Who has the best dental insurance?

in Knoxville, Tennessee? I'm asking because my company's insurance doesn't kick in until next year and I need to see a dentist as soon as possible. If anyone could direct me in the right place; I'm 23 and female if that info is needed.
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YOu are not the only person who have ever met this kind of problem,I met this type of problem before.I have good experience here    www.HealthInsuranceFree.info/dental.html    to solve the problem.
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Dental Insurance for Canadians in Manitoba?

I'm looking for a good & cheap dental insurance. I'm 18 but I make only 2k a month so I don't want to end up spending up my whole salary year round on my teeth.. I'm not really sure what to do because I usually need 1-3 fillings a visit to the dentist which is 3 times a year. Any suggestions? I stopped eating sugar last month but I'm still worried :\
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your best bet is to contact a lisenced insurance broker in your area. They will be able to go over all your options. I'm in Saskatchewan and I've found that Green Shields is the best option for my clients for personal health insurance (medical/dental) needs.
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looking for a good dental insurance?

I am looking for a good dental insurance that would cover either cosmetic or dentures. I live in Florida and I need a lot of dental work.
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Common situation you met like many other people,be patient,and check the resource here    www.HealthInsuranceFree.info/dental.html    i found very useful for me to solve my similiar problem.
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Help with dental insurance quotes?

Could someone tell me a good website, for a good dental insurance company where I can get a free quote online? I don't care how expensive it might be, or anything like that, I just need some free quotes. 10 points for the best answer. Oh, and I live in Missouri, if that makes any difference.
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health-quotes.talk4fun.net - my family have this health insurance. It is affordable and has good coverage for dental issues.
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diabetic no dental insurance in Tn I need help...?

I am a insulin dependent diabetic and I have no dental insurance. I have three teeth that have began to hurt bad.. Need a dentist who will fully sedate or tips on relieving tooth ache pain at home...
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healthquotes.awardspace.info - my family have this health insurance. It is affordable and has good coverage for dental issues.
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Is there any kind of health/dental insurance for low income people in CA?

I am employed full time, but have no benefits offered at my job. I am having some issues with a couple teeth, and have not been able to go to the doc. for regular check ups and such. I'm in my 20s, so I'm not sure if I qualify for anything. Thanks for any advice.
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http://www.dss.cahwnet.gov/cdssweb/FindS…
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I live in Orange, CA and I need Dental insurance!!!?

I cant get it through my work for another month, and I need to see a dentist BAD! Is there a web site where I can get temporary DENTAL ONLY insurance that is temporary?? Thank you!
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Go to Gentle Dental in Orange they have an insurance you pay $74 to sign up for and it's good for one year if you choose to renew it before it runs out it's $59. I think they have an office in Orange. www.gentle1.com
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I have co-insurance for dental. Can I get more insurance to cover the remaining costs?

I still have to pay a remaining percent (20%) to get a cleaning, assessment and x ray. Are there any other discount plans i can get to help pay the remaining cost of my dental work?
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Benefits don't stack, they coordinate. In other words, it's going to cost you more than it saves you.
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Where can I find dental insurance?

I googled it and all I can find is discount plans which they say isn't insurance. I'm looking for something fairly cheap that I can buy just for a month for now and will activate in a week or so. Plus, I need something that doesn't have a waiting period. If someone could help me find a site or some insurance companies, I'd highly appreciate it. :]
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first,you should collect some resource by searching the relevant keyword in search engine,if you got good luck there ,then your problem solved.however,if you are not able to find the ideal answer by doing that,here http://www.insuranceidea.info/free-insurance.htm is the resource i recommend.
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Any good dental insurance plans that have orthodontic coverage in CA that cover invisilign or ceramic braces?

Thank You!!
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healthplans.my-age.net - here is my health insurance plan. As I remember they can provide such a service.
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just lost dental insurance and have a bad tooth what are my options?

Its a molar and its broken and turning grey...i should have went to the dentist when i was younger lol but i have always had a fear of them...now i am screwed...i do not want them to pull it...
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I would strongly encourage you to visit this great site: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago and they have saved me thousands since on all services. From extractions, cleanings, xrays..etc. Even my braces! They even had my extremely affordable plan active in 2 hours and was able to use my benefits the very same day. Hope this helps and good luck.
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since fewer jobs have medical/dental insurance, should gvt employees vote themselves?

a cut in their benefits as a show of good faith as well as take a 30% pay cut?
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yeah, well, good luck on that. It's NEVER going to happen. Government employees don't WANT to solve problems, either, because once the problem is solved, they're out a job. I do think that politicians and government employees should be forced to send their kids to public schools, and use welfare health insurance, but you know how it goes - what's good enough for the rest of Americans, isn't good enough for politicians and government employees.
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What is the best dental insurance plan?

Thank you!
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http://www.BestforLessDental.com It is a great plan and its cheap and has no waiting periods or provider list.
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Should I get dental insurance?

I need to go to the dentist for a checkup (it's been about 8 years). I just don't know whether to get dental insurance first? I don't think I have any serious problems except maybe a cavity or two. How much is the average rate for dental insurance, and where should I go to look for one? There seems like there are so many, and I have no idea where to even start. Any help would be appreciated, and I am a student on a very limited income.
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I would encourage you to visit this great website: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago and they have saved me thousands of dollars on all of my dental services since I was in college in Texas. From extractions to xrays, fillings, Cleanings, root canals, and even my braces had coverage. They even had my affordable benefits active in 2 hours and was able to use them the very same day. Good luck and Hope this helps you.
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Is it possible to get health insurance with dental and vision care?

Im sure it is, but most of the time the dental and vision care portion of the plan sucks. Is it smarter to get them seperatly even if you think you have perfect teeth and vision.
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Yes, you should buy separate dental, vision and health plans. Generally, dental and vision are auxiliary benefits which means they are not the main focus of the plan, which is the health care portion. Buying separate plans will, in theory, enable the plans to be more reliable. This is very much like buying anything else. For example, if you buy a devise that includes a GPS, iPod, and cell phone, you would think that the GPS aspect of the devise would not be as reliable as going out and buying the device itself. Perfect teeth and vision does not last forever, especially with increasing age, when health insurance no longer is an option, therefore I do not recommend that you let this affect your choice of insurance plan. Hope this helps.
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If you can't afford dental insurance, do you think the dentist should give you a small discount?

If you don't have dental insurance, tell me how you can ask the dentist for a small discount or if he should give you a discount.
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Hey Jewel, I am a dentist and if a person pays for the service in full on the same day I render it I will give them an 8% discount (Only 4% with a credit card as I have to pay the 3-4% for credit cards used in my office). I don't do this for insurance patients because I have to collect the insurance payment directly from the insurance company and that takes a couple of weeks so I don't receive payment the same day. One person suggested Care Credit for financing treatment and that it a great suggestion. I don't work with Care Credit but I work with the Dental Fee Plan through Capital One which is very similar and I'm sure your dentist has some institution he or she works with- just ask them. I don't consider it tacky when a patient asks for a discount as long as they do it tactfully. Just say something like "Do you have a discount for cash patients?" Believe me cash patients are my favorite patients. Insurance companies are a pain in the butt to deal with and I have to take a discount when working with them, so I sure don't mind to do it for my cash paying patients. BUT...I DON'T GIVE THEM A CASH DISOUNT UNLESS THEY ASK FOR IT. Dr. R.
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I have been very concerned lately because I don't have dental insurance and I am low income. ?

Could you die from having bad teeth and not being able to get them pull out due to no dental insurance?
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Bad teeth can be detrimental to your overall health.A school of dentistry can provide low cost dental care
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HELP!!! i live in akron ohio,what dental insurance is the best deal ?

i am employed but have no dental insurance,if i want to purchase a plan for myself with lets say a higher premium,but less out of pocket for dental work,what are my options.or any information will help.thanks to all that answer.
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YOu are not the only person who have ever met this kind of problem,I met this type of problem before.I have good experience here www.HealthInsuranceFree.info to solve the problem.
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Where and how can I get health insurance that covers medical dental and vision?

I tried to get some type of medical help but they told me I made too much and to try healthy Ny but... thing is they do not cover dental or vision. So I was wondering what health insurance would cover these things. I have been sick for a while and haven't been able to see a doctor because of the insurance thing. Thank you for your help I greatly appreciate it.
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YOu are not the only one who met this problem,I have met this type of problem before.I have good experience here http://www.HealthInsuranceIdeas.info to solve my similiar problem.
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Which (dental) insurance covers invisalign/invisalign teen?

I know that it depends on your dental insurance plan and etc, etc, and that it can be considered a cosmetic procedure, but if you have gotten Invisalign or Invisalignteen, or even tried to see if your insurance covered it, I would like to know if it did or even if it didn't (so i can rule them out) and which company it was, if that isn't too much of a hassle. Thank you for your time!
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healthquotes.awardspace.info - my family have this health insurance. It is affordable and has good coverage for dental issues.
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what kinds of dental insurance are available in wisconsin?

my work doesn't offer dental or medical and as I am a fairly healthy person I am looking for a dental plan for my family we have our medical already covered but there is no dental offered
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PPO GOLD/SILVER/BRONZE WITH TRADITIONAL GOLD-SILVER
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Dental insurance plans for low-income people?

I can't afford my dental procedure (and it needs to be done as soon as possible). Is there any kind of dental insurance that could help me substantially?
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girrrrl yeah right only the community clinic in your area and thats only if u can get an appointment by phone, cheap dental insurance is like 300 a month. who the hell can afford that plus house gas is like 30 a gallon now. if u find out lemme know cuz i gat a cavity out of this f-in world. believe me i feel your pain (unless ure front tooth got knocked out) then thats f-ed up
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question about health and dental insurance?

i need major oral surgery.will my medical insurance cover the surgery or should i file under my dental or file for both...
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You have to file your claim with your dental insurance, as health insurance have exclusions for dental procedures. Before you do, check your dental insurance policy to make sure that they cover the surgery. With a lot of carriers, there are different levels of coverage. They'll pay for check ups, cleanings, and x-rays; but that's it. If you opted for the higher level of coverage (that covers fillings, extractions, etc), you will still need to check your coverage limits because there is probably a dollar limit per year that they will pay. A fair warning though, your dentist/oral surgeon's office should file the insurance claims and do that leg work for you, if they won't then beware. If the office staff is lazy and unwilling to do their job, that attitude might be shared by those performing your surgery. Good luck and take care.
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Does guardian insurance or delta dental have better ortho insurance?

I'm looking into getting invisalign, and my insurance switches from guardian to delta dental, so I need to know if i should wait, or hurry and get them with guardian. Which covers more? And if you know, what is the average cost out of pocket after insurance for either?
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healthplans.my-age.net - my family have this health insurance. It is affordable and has good coverage for dental issues.
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What is usually covered by dental insurance?

Braces ( invisalign)? Veneers?
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Common situation you met like many other people,be patient,and check the resource here    www.HealthInsuranceIdeas.info    i found very useful for me to solve my similiar problem.
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Best dental insurance for braces?

I need braces bad and i have been puttin it off because I do not have dental insurance but I'm ready to start shopping for some and do not know where to start. Any suggestions?
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I would encourage you to visit this website: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago when I was in college and They have saved me thousands of dollars on all of my dental services. Including my braces, extractions, fillings, xrays..etc. They even had my very affordable benefits active in 2 hours and was able to use them the very same day. Good luck and Hope this helps
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I am on disability and I don't have dental insurance and I need teeth pulled what do I do?

my grand mother is on disability and need her teeth pulled but she don't have any dental insurance what do I do to get her attention
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Do you have a free clinic in your area? Pulling teeth can be pretty inexpensive I had two wisdom teeth pulled for $250.
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Are there dental Insurance plans that can be activated in less than 30 days?

I've run into a situation where I need ti buy insurance asap and get in. I'm not so keen on the discount plans but that seems to be all I can do. I'd like to ask a dentist a few questions. I'm new to my state and do not yet have a dentist here. I've chipped a tooth and it has negotiated a crown. It's sensitive but not super painful. please help point me in a good direction.
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Only Discount Dental Plans seem to available. My Physician has refer ed me to a Dentist, who was willing to the the work without a discount plan. That saved me the over hundred dollars for the yearly fee,(for the Discount Plan) and for that price I had my teeth cleaned every 6 mos. However I only get the cleaning done. If you have time enough ask your Doctor, or inquire around if you can find a Dentist that will do the work at a more reasonable price since you have no Dental Insurance, and perhaps they can arrange some kind of payment plan for you. The advise above about the Dental University Schools is also a good source to try.Keep your mouth tongue and teeth extremely clean especially before going for a Dental Exam. My very best wishes.
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Are braces covered by dental insurance?

I need braces for eight months before I get orthanathic (jaw surgery) to correct a birth defect in my jaw and braces after that operation to. So it is not just for cosmetic reasons so would they cover just the braces? Im already paying for the surgery part.
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They usually provide some coverage. From what I have heard it is not much. Check you policy. If not, I would encourage you to visit this site: www.healthsavings.ourperfectcard.com I signed up online over 3 years ago now for all my dental needs and they have saved me thousands of dollars. Orthodontics are included also, I paid around $2200 for mine....instead of the regular price of over 4 grand. They even had my very affordable benefits active in 2 hours and able to use it the very same day. Good Luck and Hope this Helps.
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I do not have dental insurance and I need a good dentist who would not rip me off for a toothache in Moore OK?

Can any one please suggest me ....
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I would strongly encourage you to visit this great site: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago and they have saved me thousands of dollars on all dental services. From root canals, xrays, extractions, exams...etc. Even my braces. They even had my very affordable benefits active in 2 hours and was able to use them the very same day. Good luck and hope this helps
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I need a free website for people looking for health or dental insurance.?

Or if anyone has questions about either so I can help them out.
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Many insurance lead companies will give you a certain amount of free leads (check into each lead co first to see if there is a purchase necessary on the back end). Also, with the lead companies, you can often times negotiate a deal with them - they want your business so you can sometimes get the leads at a discounted rate and/or talk them into 5 (or more) free leads. It never hurts to ask for what you want - the worst they can say is no. I actually market and sell discount plans - I have had good luck with Craigslist (advertising your plans for free) and local marketing, flyers, business cards, etc. I hope that this helps you.
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Looking for good dental insurance?

I am looking for good dental insurance for my family and myself , I want something that has a low deductible and the out of pocket office isn't to high. If anyone knows of any let me know thanks!!
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health-quotes.talk4fun.net - my family have this health insurance. It is affordable and has good coverage for dental issues.
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how much are veneers for your teeth is you do not have dental insurance?

i have a gap in my teeth and i do not want braces and i have veneers but i just want to know how much itll cost without dental insurance
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You can easily check your minimal health care rates in internet, for example here - health-quotes.isgreat.org
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Dental Insurance for college student?

I am a college student in Pennsylvania. I really need to get some dental work done because I know I have a cavity or two. I do live at home, but my father does not have any type of insurance. My school also does not provide dental insurance. Are there any sites where I could apply for some insurance? I really need to get some work done but I only have a part time job so I can only afford so much. Thanks so much!
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You have four options with dental. 1. 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. You can find one here: http://www.yourhealthplanadvisor.com/Den… 2. 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 $919. With insurance you pay $460 after paying 18 months of premium (around $800 or $900). Advantage - you can use any dentist with most plans. 3. 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 $919. With discount plans you pay around $827. Be very wary of these plans because most are scams. The people that sell these plans have little or no knowledge about health & 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. 4. 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 $919. 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.
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is there dental insurance/plans that pay for everything?

it seems like there are a million dental plans but for the services they offer they only pay like 30% of what it costs so it kind of seems stupid to pay them every month when you're going to be stuck with a huge dental bill anyways. Are there insurances that pay like how health insurance is, if I get a bill from the dr from something health ins didn't pay it's usually just for lab work and everything else was paid in full or close to it.
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healthplans.bebto.com - my family have this health insurance. It is affordable and has good coverage for dental issues.
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my tooth are hurting but no dental insurance what do i do?

one of my teeth is about to fall off lol . then the front one which is black in the back sorta hurts and on top of that my wisdom tooth is tryina come out!! damn those candies! what should i do? My whole mouth is hurting the enamel part. What should i do? how much will it be to see a dentist
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You can easily check your minimal health care rates in internet, for example here - health-quotes.talk4fun.net
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In NC I am looking for individual health and dental insurance. Any suggestions on some reliable, affordable?

companies? I just have no idea where to start and what is a good rate. Checked out BCBS of NC but it all looks like gibberish to me.
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you should call and ask and when they give you a quote ask them who they are basing this "great" deal off of..other than bcbs of nc i dont know of any other that an individual can get insurance from
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Dental Insurance! What are the best companies to go with?

Im 25 years old and I need dental insurance and would like to get braces sometime. I would like to find a dental plan that would help with the over all cost.
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YOu are not the only person who have ever met this kind of problem,I met this type of problem before.I have good experience here http://www.HealthInsuranceFree.info to solve the problem.
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anyone know where to get good individual dental insurance thats effective immediatly?

I need my wisdom teeth removed but have no insurance, most individual insurance companies have a 6 month waiting period for procedures other than preventitive. I need them out now because one was infected and I got it treated with antibiotics but Im afraid it will come back because it keeps bleeding. Any help will do and I am in florida.
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Nope. Why would anyone sell you insurance and immediately cover a pre-existing condition? This is like shopping for medical insurance when you are 6 months pregnant. I hate, hate, hate to say this, but since you said, "Any help will do," you might be someone who should look into a dental discount plan. Bear in mind that it is NOT insurance and you may have to go to a dentist that you don't like to take advantage of the discount, but you might be able to pick up a discount plan and get your wisdom teeth out and then dump the plan. I'm sure someone representing one of those plans will come along and pitch their product in response to your question.
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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.)
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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.
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Will someone explain medical and dental insurance to me?

ive never had either and wasnt raised to know all about them. I undersand that you pay each month for each... but what does it cover? Is there a limit or something? do you have to be paying a couple months before you can get something done? so curious and confused. Thank you so much.where do you get medical and dental??
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here's what insurance is- you paid a little each month so that if you have an accident, or need a doctor, the insurance covers it. not all companies are good though! some are cheating, lying bastards. some times there is a waiting period for coverage, sometimes not. insurance companies have what are called plans. these plans are like cell phone plans. you choose what you can be covered for, ei. self injury may or may not be covered. the company may only pay to a certain extent, or the company may even drop you the second you need them for no reason. it's almost impossible to answer this question fully on YA. isolate what coverage you thing you will need, and what you think you will be covered for. such as- high blood pressure runs in the family, so i have chosen better coverage in case of a heart attack than if i get shot (which probably won't happen). different companies charge different rates for plans and some have sneaky fees. look around on the net for "customer reviews" of insurance companies, the customers are honest, and don't trust a single provider for a second. btw, i have state farm auto, dental, and health insurance. they are low cost and nice folks. as a general rule, the better there commercial or the flashier the commercial, the worst the company. (geiko and esurance suck @$$) i'm sorry i couldn't help more
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If someone already has braces but presently no dental insurance, can they purchase dental insurance?

so that they can get their braces looked after and adjusted properly ?
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Yes. And a good plan would be Ameriplan if I may suggest it. The website is www.urdentalmed.com. Hope I was helpful.
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Is there any such thing as good dental insurance?

if so, where?
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not really unless it is an employer funded and administrated plan (employer just pays the costs up to a set amount) or you are a member of certain unions like some wisconsin teachers have WEA Trust which is very good in comparison to regular dental insurance plans. Flexible Spending plans are very nice if you can get a treatment plan from your dentist for the work you need you can prepare for it. Dental insurance doesn't really protect you from expenses, just helps you pay a little less.
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UK: Is there any dental insurance that will cover braces?

I found out my health insurance doesnt cover cosmetic :( and thinking about getting braces, but not normal ones, i was looking into the ones which are bit more hidden. is there any companies out in UK there which will cover some or most of the cost?
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healthplans.bebto.com - my family have this health insurance. It is affordable and has good coverage for dental issues.
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what does this mean in respect to dental insurance: 18 month waiting period applies; 50% Coinsurance after ded?

deductible. Does this mean I have to pay them insurance for 18 months before I can get work done and on top of that they will only pay for half?
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This means you have a waiting period on a specific service in other words you cannot have a specific service paid for during the first 18 months while you are covered. this is most common with major work like Crowns bridges and dentures. for example my Dental Insurance began Jan 2010 my insurance will not pay for my crown until July 2011, 18 months after My insurance took effect. For the second Part of the question "50% coinsurance after ded". this is usually a different benefit detail more than likely relating to major procedures again like Crowns, Bridges and dentures. in most cases it really doesn't affect one or the other in other words the 18 month WP does not affect how my crown will get paid its just how my insurance covers my crown on July 2011 it will be covered at 50% after I have met my deductible. deductible can range anywhere from $25 dollars to $200.00. on most plans you only have to pay the deductible one time a year the first time you have a service that the deductible applies to like the above example.. the crown.
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No Dental Insurance but need to go. Has anyone used Carington International before?

I went to 1dental.com and saw this discounted dental pricing for 6.95 a month. I was wondering if anyone has used it before. I need to visit a peridontist for my gums and a dentist for cleaning before I get braces. Is this a good deal or a con? Any recommendation for insuranceless person? THANKS!
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This helped me recently and its very affordable. Help me save alot of money. www.healthsavings.ourperfectcard.com Hope it helps.
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Which company has the best dental insurance plans that cover most of the dental work?

in tn
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Get as much resource as you can maybe is one option,however it could be quite time consuming,here http://www.HealthInsuranceFree.info is one resource i have had good experience.
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can I buy dental insurance now when I need so many procedures done?

I just lost my insurance from my mom's work because she got fired. now I'm left with needing 4 root canals, all my wisdom teeth pulled out and I dont know what else. I DON"T have money for any of this
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You have to find a dentist who will take installment payments or payment arrangements. Otherwise, you can contact a dental school if there is one where you live and do the same thing but have an evaluation first. The cost will be according to your parents income. You can also apply for Medicaid if you have no money and your mom is not working. Now is the time to do that because your dental problems sound urgent. If you are under 21 you should have no problem getting Medicaid. Dental insurance does not help because of the waiting periods and a dental plan is all you could afford does not pay much. There are dental plans and dental insurance but neither one covers much and you still have to pay most of the charges, so try to get Medicaid or whatever program is in your state for minors. From now on, take care of your teeth because dental work is very, very expensive.
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I need maxofacial surgery to correct an underbite, but I don't currently have dental insurance?

should I be looking into an independent dental insurance? Anyone else out there with info that could help would be great! Thanks :)
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there are many credible websites that offer discounted surgeries i suggest you look up the one Micheal Buckley on the WHATTHEBUCKSHOW reccomends.
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does anyone know of any dentist in RI that offer payment plans with dental insurance included? i went to aspe?

aspen dental and they told me i needed $6,000 work done on my teeth. i thought that was extremely high. i am getting dental insurance but if my teeth for extractions dentures are going to cost allot i dont have allot of money like that to pay a dentist..so if anyone knows of affordable ones that offer payment plans please let me know..i want to be able to smile again
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You can easily check your minimal health care rates in internet, for example here - healthquotes.awardspace.info
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Severe toothache with no dental insurance...What can I do?

I have a severe toothache, and do not have dental insurance, also currently I am unemployed, only attending school full time. Can I still go to the dentist, or will I be turned down. What can I do about seeing a dentist ASAP! The pain is so intense I feel almost like passing out. Please Help!
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I would definitely start with the school health clinic - they might at least be able to get you something for the pain. They also might be able to recommend a good dentist who would work with you on payment plans. Good luck! I know how it is to be a full-time student with no job or insurance! I relied on the health clinic!
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How come there is never any good dental insurance offered by an employer? Why can't they pay 90%....?

health insurance does? You have to pay so much out of pocket for dental work, it's terrible. What's the reason?
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I think that dental treatment is generally non-catastrophic where health can be. There are dental conditions that can create life threatening conditions but most dental work is either preventive or restorative. It is not just the percentage paid is lower, the yearly limit they will pay is usually only between $1,000.00 to $2,000.00. In most cases, companies that purchase dental insurance for their employees, would be better off if they self insured and set up their own set of benefits where they reimburse their employees directly for pre-determined dental charges. I you are paying for your own dental insurance, it is usually better in the long run for you to cancel the insurance and just put that amount of money in the bank every month so that you can pay the treatment yourself. Most of us don't need major work every year and even when we do, the insurance is not that helpful and when it does pay for most of the work it is because the particular plan is very expensive.
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Are dental hygienists offered group health insurance or do they always have to get their own?

Are dental hygienists responsible for their own health insurance or is it common place to have the employer (aka dentist) offer group plans? With some past medical history I am finding it hard to find individual plans without denial or outrageous premiums (planning to go through DH school and need insurance for that) Anyone?
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Depends on whether you are an employee or an independent contractor. Most dentists hire hygienists as independent contractors which mean they have to get their own health insurance. The ADA might have some group health plans - check them out. HTH
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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?
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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.
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Will dental insurance cover invisible braces?

I'm in really need for braces. My teeth aren't in really bad sharp. But it's not really that attractive. I heard that sometimes they will decline you. Because it's more cosmetic. So you'll have pay up from you own pocket. But people with somewhat or bad shape teeth. Will those people be covered?
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I would contact the insurance office. They might cover you. Especially since having crooked teeth can lead to decay and consistent dental problems. My lower teeth were so close that i couldnt even fit floss between them and they were chipping. I wasnt covered but I never had dental insurance. Make a case for yourself that the placement of your teeth is impacting proper oral hygiene. I dont know how bad your teeth are but its worth a shot. Maybe they will pay a portion of it. Good luck and happy brushing!!
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Anyone have a good reliable site for dental insurance?

Just looking to start the new year out with a new plan... please make sure it covers pre-existing conditions. I do have some teeth issues.
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I would strongly encourage you to visit this great site: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago now and they have saved me thousands since. All pre existing conditions accepted, i know because I was in that situation years ago. From root canals, xrays, cleanings, fillings...etc. all services are inlcluded in this very affordable plan. They even had my benefits active in 2 hours and was able to use it the very same day. good luck and hope this helps.
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Getting braces, need some info about dental clinics and dental insurance.?

Hello, I am getting braces soon, I live in Seattle, WA. I would like to find out a clinic that does braces it doesn't have to be at Seattle, I practically can go far distances from Seattle. Could anyone recommend me a dental place or clinic to get my braces and an appropriate and good insurance for that clinic that would work. Could someone explain to me how all this works, because I've got no clue what and where.
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Hi, Why don't you search online to find best dentists near your residence? I think it would be a great idea. So my piece of advice is: 1) Get a lucrative discount dental plans. They have increasingly been useful and act as a handy alternative to dental insurance. 2) searching best dentists near your residence and get discounts on specialty services such as braces, and other dental equipment etc. It will help you to get rid of your dental maladies at astonishing rates.
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I have a friend who has no insurance & needs emergency dental work. Can he apply thru the state for coverage?

My friend has had some really bad tooth aches lately. He had a crown and it fell out. Now he needs his tooth taken out but has no insurance. How does he go about getting emergency dental coverage thru the state (MI)?
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Trying any state programs will take some time. You may want to try a dental clinic if your friend has Med-care or something similar, the clinics will take this type of coverage and do have sliding scales for payment. But again the dental clincs are booked months in advance so it could take some time to get an appointment. You could try to see if Dentist take CARE CREDIT which is a like a dental credit card. If you can pay off the balance within 12 months it is ZERO % APR or you can opt to have an extended payment plan of up to 60 months with an APR of 11.9% (which is lower APR than most credit cards). If your friend has low or bad credit they could get a co-applicant. But by all means get to a dentist ASAP. If your friend is having a tooth ache it could be bad decay into the tooth needing a Root Canal and since the tooth is in a weak state it will need a crown over the Root Canal tooth. For the tooth that lost the crown, it could mean there is so much decay under the existing crown that it has "eaten" away the "glue" . But get to see a dentist with a FULL exam and FULL x-rays so the dentist can diagnosis ALL problems. Some Dentists will give up to 50% off new patients. But make sure to get a FULL exam AND FULL MOUTH x-rays (not just bite-wings also called BWX). Hope all goes well.
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i am looking for dental insurance or a discount plan that can help me get tooth implants!!?

due to an illness, I recently lost all my teeth and want to replace them with dental implants. i have been shopping online for coverage to help me with this cost but with all the choices its difficult to pick the one that would cover the most. can someone help me find an insurance or dental plan in western new york please?
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I'm not familiar with what's offered in your area, but you're right, it's tricky to navigate. Most insurers' web sites have convenient side-by-side plan comparisons. Or, you may want to use an agent to help you make the right choice. Questions to ask: Are you restricted as to which dentists you can use? What is the waiting period for major work? Monthly premium / deductible / co-insurance Good luck!
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What is the best health insurance and cheapest that covers medical, dental and vision in Miami, FL?

I am searching to find the best possible health insurance that offers the lowest rates/charges, since I am fed up with my previous one that was too expensive and did not cover may of my visits. I need the insurance that covers medical, dental and vision and that it is for Miami-Dade county, Florida. Does anyone know? Thank you very much!
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Check out this site, if you want to find the cheapest health insurance just in one minute, http://cheap-health-insurance-usa.blogspot.com/ Here you can get free quotes from different health insurance companies in your area, its the best way to find an afforable health insurance with a reliable company. Best Wishes,
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In San Jose CA, what is the ball-park price for oral surgery of an impacted wisdom tooth, no dental insurance?

This oral surgery is for my nephew, a student who has no dental insurance. It is a requirement prior to joining the Peace Corps.
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Call the dental school at UC SF. You might get a deal if he is willing to be a practice patient for a student. They have a teacher - who is a very competent dentist - standing at one elbow, so if anything goes wrong the teacher steps in. It takes longer than normal, though.
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Does anyone know of dental insurance or a dicounted dental plan that covers invisaline ?

Ireally need my teeth fixed and this is my only option I went to the ortho and I just can't afford it I live in morris county NJ anyone know of an cheap orthodontists
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With the dental discount plan i have, you get a 25% discount on ortho work. I don't know the fee, but you would get the discount on it. I would need your zip in order to see how many providers are in your area. The plan itself is only $14.95/mo and also comes with vision, chiropractic and prescription discount plans.
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i need some dental work and i dont have dental insurance what should i do because i think ill beed braces??

im 21 and dont have dental insurance my teeth r kinda messed up and off align and i wanna get them fixed because appearnce will contribute a lot in my future career out of school, what should i do because i need to get them fixed.
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There's a company called AmeriPlan USA. They have a great discount dental referral service. It's not a health insurance, per se, but they have a program that gets you EXCELLENT discounts on braces, etc. (For $11.95 per month) They have a plan where you can get braces for about $2,500.00, but you don't have to pay it all at once. You get to pay over time by paying a certain amount per month. They also have vision, health, prescription, and chiropractic plans as well. I hope this helps you!
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Dental, life, health insurance separate bills- can i pay with one check?

I get dental, health, and life insurance through the same company, but they send me a separate bill for each one... my policy number is the same on each bill so can I just send them one check instead of three?
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my health and dental is thu the same company and i get billed for one total. i have auto deduct from checking account so dont have to worry about monthly billing or paying late and get cancelled. why not call the company and ask if they can bill in 1 bill vs 3?
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Do you think that dental work should be covered by regular health insurance plans?

I don't see why it isn't already. If your teeth get too bad, it can affect your brain. Are there any health insurance plans that include dental, or do you always have to get dental separate?
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Dental Insurance policies are separate from Health Insurance. Most policies will allow you to buy a rider including dental, but even still the policies rarely cover 100% of everything you need done or they have a low maximum. It would make life so much easier if dental was included on the health insurance, but for some reason teeth and eye are considered separate. I have worked with policies that are supose to cover dental if the dental procedures are a direct cause of an accident and still they require the sun, moon and the stars before they will pay and they only give an alotted time for all the work to be completed. If you have ever visited a nursing home you can see just how important teeth are for those who are frail and need to take in nourishment, it can come down to a life and death issue, what a shame.
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do you guys know of a non-employer based dental insurance that covers orthodontics? Your help is appreciated.?

This is because my doctor advised me to have braces due to my real bad cross bite and my dental insurance that i got from my employer doesn't cover orthodontics. My dentist advised me to get a secondary dental insurance that covers orthodontics. That way, i would only have to pay a minimal amount. Please, please help! Thanks a lot! Take care.
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You should get your information about your health options first hand from licensed insurance providers. You can give Americas Health Brokers a call. You can search their main site and number. So far, they have dental insurance coverage that I would safely say offers the best. They got me covered.
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Tax question. what exactly is this line asking? Enter the amount of any medical & dental insurance premiums?

Enter the amount of any medical and dental care insurance premiums you paid during 2007? What does it mean by insurance premiums? The question after asks amt of total medical fees so I got confused
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On Schedule A, you can include medical/dental insurance premiums that you paid through work -- the question is, who paid those premiums? And were those payments made with pre-tax dollars? What the IRS says is "Do not include in your medical and dental expenses any insurance premiums paid by an employer-sponsored health insurance plan unless the premiums are included in box 1 of your Form W-2. Also, do not include any other medical and dental expenses paid by the plan unless the amount paid is included in box 1 of your Form W-2." The key point is, they don't want you "double-dipping" -- that is, getting a tax break on your health insurance premium payments at work and also getting another tax break on the same premium payments on your tax form If you already got a tax-break at work, the company would not include the amount in Box 1 of your W-2 and so, you wouldn't be able to include that expense. Did your employer-sponsored health care plan pay your insurance premiums? Or did you pay the premiums and your company simply withheld the premiums from your pay to forward to the insurance company? These types of insurance premiums also include medical premiums withheld from pension income, social security income (for medicare), and health insurance payments written directly to an insurance company (like the other person said). And, here's an example from IRS Publication 17 that describes it far better than I did above. Example: "You are a federal employee participating in the premium conversion plan of the Federal Employee Health Benefits (FEHB) program. Your share of the FEHB premium is paid by making a pre-tax reduction in your salary. Because you are an employee whose insurance premiums are paid with money that is never included in your gross income, you cannot deduct the premiums paid with that money." Hope that helps to clarify.
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Employeer forces me to buy life/disability/dental insurance?

I work for a private non-profit in WI. Employee manual says benefits available but we are required to pay in full for life/short-term disability/dental. Is this legal?
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Employee benefits like the ones you mentioned are not mandated by the government, workers compensation insurance is the one that is mandatory. Read more about insurance here: www.surelyinsured.com
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What is the best health insurance and cheapest that covers medical, dental and vision in Miami, FL?

I am searching to find the best possible health insurance that offers the lowest rates/charges, since I am fed up with my previous one that was too expensive and did not cover may of my visits. I need the insurance that covers medical, dental and vision and that it is for Miami-Dade county, Florida. Does anyone know? Thank you very much!
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Compare health insurance, 2insure4less: http://compactsource.info/rdnet/2insure4less/1
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Dental Insurance for an 18 year old Canadian?

Are there any dental insurance plans that an independant 18 year is eligible for in the province of Ontario? I'm looking for a more localized one in the South Western Ontario region. I am still a high school student. I am hoping to find an independant insurance place that isn't associated with having a job, or being a part of a certain group.
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Dental plan coverage for individuals is not commonly offered because dental needs are highly predictable. For example, you would not pay premiums for your dental coverage if the premiums were more expensive than the cost of the dental treatment you need. Since this is the case, insurance companies would stand to lose money (spend more on benefits than they receive in premiums) on every individualdental plan they write. There are, however, a few companies that offer a form of dental benefits for individuals. Most of these plans are "referral plans" or "buyers' clubs." Under these types of plans, an individual pays a monthly fee to a third party in return for access to a list of dentists who have agreed to a reduced fee schedule. Payment for treatment is made from the patient directly to the dentist. The third party acts only in the capacity of matching the individual to the dentist. The dentist receives no payment from the third party other than in the form of referral of patients. Average Cost Of Dental Care In All US Cities- Average Values (Service; Average Fee; Highest Fee) Preventative Care: Single x-ray $13.00; $20.00 Bitewing x-rays (4 films) $43.00; $67.00 Complete Series of x-rays $94.00; $135.00 Panarex $91.00; $131.00 Adult cleaning and exam $65.00; $102.00 Child cleaning and exam $46.00; $76.00 Child's topical fluoride treatment $39.00; $52.00 Sealant per tooth $33.00; $52.00 Oral Surgery: Initial Surgical Consultation $65.00; $131.00 Simple Extraction (single tooth) $98.00; $176.00 Simple Extraction (each add. tooth) $102.00; $161.00 Surgical Extraction $190.00; $268.00 Soft Tissue Impaction $229.00; $320.00 Partial Bony Impaction $324.00; $435.00 Full Bony Impaction $474.00; $599.00 Complicated Impaction $775.00; $1344.00 Panarex $82.00; $141.00 General Anesthesia (per unit) $154.00; $239.00 Surgical Implant Placement $1868.00; $3964.00 Abutment Implant Placement $991.00; $2112.00 These site also have a LOT of helpful information: http://www.san-diego-dentist.us http://san-diego-dentists.blogspot.com http://www.san-diego-dentist.us/san-dieg… http://www.san-diego-dentist.us/tijuana-… http://www.san-diego-dentist.us/san-dieg… http://www.medical-research-study-direct… http://www.lasik-surgery-san-diego.info/… http://www.las-vegas-nevada-lawyer-attor… http://www.acne-treatment-medicine-1.inf…
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whats the best dental insurance for me?

I need coverage that covers more than just cavities. Don't know what insurance companies are legit...having trouble! Thanks!
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For my family we have this great plan that has saved us thousands on dollars on all dental services. www.healthsavings.ourperfectcard.com is the website. I signed up online over 5 years ago now and ever since, it has been a blessing to us. From cleanings, exams, fillings, ...etc. Even my braces. They even had my extremely affordable plan active in 2 hours and was able to use them the very same day. Good luck and hope this helps.
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Anyone in Canada know how to go about getting your wisdom teeth removed when you don't have dental insurance?

If I go to the hospital, will MSP cover it?
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I very much doubt it. They'd probably send you the bill for it if you did. You can either get insurance and wait until it becomes activated or work out a payment plan with a dentist.
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How do I get dental insurance?

So I'm 19 right? My mother doesn't have it, my job doesn't support it, my college can't do anything about it, and my dad is in some vetrans hospital for crazies. My wisdom teeth hurt like %#$^#%$#!!!! I have naturally straight teeth, and are there ways to get wisdom teeth removed with payment plans or anything? I live in Texas near Dallas so anyone from around there with suggestions would greatly be appreciated :)
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I would encourage you to visit this great website: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago when I was in college and they have saved me thousands of dollars on all of my dental services since. From exams, extractions of wisdom teeth, xrays, fillings, crowns, Cleanings, and even my braces. They even had my very affordable benefits active in 2 hours and was able to use them the very same day. Good luck and Hope this helps
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will my medical insurance cover part of the costs for dental extractions?

I have dental and medical insurance, if i go to an oral surgeon will my medical pick up part of the costs?
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Only way you can tell is if you call or request a benefits booklet. Or check their website. Usually they do but you may have a co-pay or you may not. But best to ask them so at least you know what you have to pay out of pocket. good luck!
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dental insurance and on a budget?

I make 8.75 an hour. So that isn't much should I get dental insurance from my work my mom said that I have good teeth and I shouldn't get it cuz I had my teeth pulled already. But again im on a budget. I live at home two so I have money but not alot.
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You might want to consider a dental discount plan. The premiums ($80-200/year) are low and the savings (up to 60%) at the dentists are great. Go to http://www.lowpriceddentalplans.com to see which plans are available for your zip code.
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How much to braces normally cost? without dental insurance?

I was just wondering thinking about asking my dentist about braces and I need them not to bad but for myself, mostly straight teeth just a few little crooked teeth and gaps I wanna fix how much would it be to get braces tops?
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They could range anywhere from $4000-$8000 depending on the extent of your teeth. I was originally quoted $4500 for mine, but only paid $2200 because of this wonderful plan I have. I would encourage you to visit this great site: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago and they have saved me thousands of dollars since on all dental services. From extractions, cleanings, xrays..etc. And of course my braces. They even had my extremely affordable plan active in 2 hours and was able to use them the very same day. Good luck and hope this helps.
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I don't have dental insurance what can I do?

I just turned 23 so Im off my mothers dental insurace. What other options do I have? I am currently working part time and insurance is only offered to full time employees.
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Take really good care of your teeth until you have insurance again. You can go with far fewer cleanings if you are diligent with your oral hygeine and using effective toothpaste. You also need to maintain a healthy diet. If you have a good relationship with your family dentist, I am sure they will work with you if you get into an emergency situation. Also, you can get good, affordable care at a dental school, or get cleanings through a hygeine program if you have any near you.
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Recommend a good dental insurance company?

I Dont want a lil saving here and there. I want a company that covers 80-100% after a small deductable. Covers oral surgery etc. and offers free cleaning. I used to have careington 5 years ago but the plan I had is no longer availiable to the average joe. and the new one is lame.
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Common situation you met like many other people,be patient,and check the resource here http://www.insuranceidea.info/free-insurance.htm i found useful.
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is it worth getting dental insurance for expensive procedures?

I need a lot of work done, root canals and a bridge.. There is a place by my house that works with people with no insurance... Would insurance even cover thousands of dollars? or should i get a loan? any help would be great thanks =)
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Hello I would go with the dentist that would work with you. Why, because if you were to get Dental Insurance it would take at least 6 payments to even get approved for just one consultation, so buy the time you even qualify for your high dental plan, you could all ready have your teeth fixed and making monthly payments with the Dentist that would work with you to fix all your problems, just sit back and weigh you're options. like #1 how bad do I need this? Can I afford to wait? You know the Holiday's are right around the corner. I would just look my situation and go from there. Like Aways I wish you the best and GOOD LUCK FRIEND! In what ever option!!! Best Regards Ericka Coleman
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Which is the best plan, or insurance to get for dental procedures?

I am looking to get my wisdom teeth pulled, and my brother needs cavaties removed and my sister needs braces, now which dental plan or insurance should we get? that covers all the above and is good and reliable with payments? thanks
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My family uses a discount plan that give you up to 80% off anything to do with your teeth. Braces I know are 56% off, which is about $2,500. This web site I beleive will give you all the details. http://www.usabenefits.org Hope you find what your looking for. Good Luck!
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can your employer offer medical/dental insurance even if you are not a US citizen?

i have never heard of an employer giving a non citizen employee isurance benefits is this possible ?
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Yes, as long as you are eligible to work in this country (that is, you have a green card or a work visa). If you are not eligible to work, then your employer can't offer you any employment benefits, including employment itself.
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My daughter has no dental insurance were she works and she needs at least two root canals.?

We live in Portland Oregon and I was wondering if anyone else doesnt have insurance what do they do about dental work? We do have a denatl school but Im not sure if they do a good job because she has been there before when she was little and they botched the job?
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Sorry about your daughter's situation. Hard to advise you from 'across the pond' as we live in the U.K. Re: DENTAL HEALTH ... We are very lucky to be National Health Service patients, registered with the same dentist since 1978, so that he has kept us on his list (we have become friends in all that time!). Many people in the U.K. cannot find a dentist that will give them 'free' or 'NHS subsidised' treatment. Private fees are astronomical to ordinary folk so we tend to revert to visiting Dental (Teaching) Hospitals where the treatment may not be up to Private standards, but is generally adequate, if you don't mind receiving injections and treatment from relatively inexperienced students! I watched "First Do No Harm" the other night (Meryl Streep / Fred Ward / Seth Adkins) and was, as ever, horrified at what American citizens have to cope with when they are too well off to get 'relief' but not well off enough to be fully insured, or able to meet all their costs with, or without, insurance! Our N.H.S. is very far from perfect, but it is still, mostly, FREE and based almost entirely on patients' NEEDS, not (at all!) on their MEANS! Best wishes, OLLY x [My family's experiences of the NHS have ranged from O.K. to incredibly good over the past 30 years - we wonder why so many U.K. people can only kick holes in the NHS!]
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What is a good dental plan/insurance if you don't get it through work?

It needs to cover major work. Is insurance better than a discount plan?
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Insurance is much better than a discount plan. I have a discount plan through dentalplans.com I think I pay $79 a year and on major work it would probably give you about a 15% discount which is nothing for major work but it is better than paying full price. Make sure you look at the details. Some of the discount plans have a waiting period. You have to pay the premiums for a year before you can have a crown or any other major work. I think Aflac (funny commercials with the duck) is like that.
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Desperately need vision and dental insurance?

How do I obtain this? My company does not offer it and I need to go in.
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For what you will pay in premium and the benefit you get, it may not be worth it. With dental, all major services are excluded for 12 months. You would only be covered for preventative, basic and fillings. Depending on the carrier some cover root canal as basic but not many. You have to do the math.
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Anyone know of a dental insurance that has a great othrodontic coverage.?

My 5 year old is going to be missing 19 adult teeth do to genetics. She is going to need good orthodontic coverage.
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When I had Delta Dental it covered everything. My new insurance is bad.
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Does anyone know if dentists accept dental insurance as well dental discount plans?

I have dental insurance but I was thinking that if I bought a discount dental plan I can use the both and hopefully double my savings.
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You can definitely call the dentist and ask them if they accept your plans, that's the best way to know if they will take what you have. Good luck!
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I have no dental insurance and I chipped my tooth?

So I have no insurance because my mom took me off her plan because she could no longer afford it. my mom makes 40,000 a year but she's a widow so all her money goes to bills and payments. She is struggling to keep up with her payments though and considering a part time job. So I fell and my face hit the pavement thus chipping my front tooth. It really hurts but I don't know what to do, since I don't have insurance. what do I do?
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I am not going to say I am one hundred percent sure about the answer.Besides it really depends on the personal feelings.SO it would better for you to find yourself.Here http://www.InsuranceFreeTip.info/insurance-for-free.htm is a good resource.
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Dental insurance vs paying outright?

I don't have any dental insurance and I need some cleaning and things like that done. If it is better if I get dental insurance what is a good company to buy from? Thanks.
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health-quotes.isgreat.org - my family have this health insurance. It is affordable and has good coverage for dental issues.
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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.
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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…
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Dental discounts or affordable insurance in NJ?

I do not have dental insurance for myself and I need a good amount of dental work done, i was wondering if anyone could tell me an affordable dental plan or insurance that isnt exspensive in NJ? Im not applicable for NJ familycare dental
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You have four options with dental. 1. 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. You can find one here: http://www.yourhealthplanadvisor.com/Den… 2. 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 $919. With insurance you pay $460 after paying 18 months of premium (around $800 or $900). Advantage - you can use any dentist with most plans. 3. 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 $919. With discount plans you pay around $827. Be very wary of these plans because most are scams. The people that sell these plans have little or no knowledge about health & 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. 4. 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 $919. 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.
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I have a minor toothache and no dental insurance. What should I do?

The pain is low, buts more noticable when I eat. I have not been to the dentist in years, have always been afraid to go, but now I feel like I have to. I probably don't have enough cash on me at the moment to pay for it all now.
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It could just be a cavity that would be reliatively inexpensive to fix - like under $200 for almost any filling. Don't wait until you end up losing the tooth because you can't afford a roto canal treatment. Many dentists are agreeable to payment arrangements. Just ask.
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I need a good dental insurance?

I am looking for a good and cost effective dental program. Thank you.
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Advertising, clearly in violation of Yahoo! answers policy. And, if you look up your posts and "fullmoon's" they are all asking and answering about low-cost health insurance. This kind of thing is annoying and misleading. These so-called "low-cost" plans are nothing but a multi-level marketing plan and do not provide good benefits to those who are suckered into paying for them. You'd be better off to self-insure. In the meantime, I hope all these people are sanctioned by Yahoo! for blatant disregard for the purpose of this forum.
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Does the Air Force offer good dental insurance?

Also, does anyone know what the sign on bonus currently?
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The dental service for an active duty member is okay. You get your teeth cleaned once a year and they will do root canals or whatever treatment you need as needed. The dental insurance for Dependants is through United Concordia. You have to pay $30 a month and you have to pay a co-pay (about 20-30%) for any treatments beyond cleanings and X-rays. It's not that great. The AF only has sign-on bonus for select AFSC's like Pararescue and even then the bonus isn't that big. The AF is looking for people willing to serve not those they have to PAY bonuses to for them to serve. This isn't the Army!
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Health and Dental Insurance For Single Mom?

I am a single mother and i need get health and dental insurance for a little or no cost at all. I ahve 2 children, both on healthy kids gold. I am 46 yrs. old and a smoker. I live in New Hampshire and own a home. Does anyone have any suggestions? Please help.
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Best way to do it for a single mom? Find a job that has the health benefits included. You'll never be able to afford the coverage otherwise. It may take some looking and an education upgrade. But it is so worth it!
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When should you put your child on your dental insurance?

Hes 11 months old now.
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put him on now - they need to start going for checkups by the age of 2 or so
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what would be the first step in getting dental insurance ?

my boyfriend is a single parent, going to school and working at checkers, both his parents have passed and he has no medical insurance at all, he has a tooth that definitely needs a root canal but no money at all for it, how can he apply for dental insurance
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healthplans.my-age.net - my family have this health insurance. It is affordable and has good coverage for dental issues.
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im looking for full coverage dental insurance?

I was wondering if there is Full Coverage Dental Insurance? that my husband and I can buy...I have been looking for insurance quotes and all I can find is partial coverage..i want insurance that will cover anything that may be needed..
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health-quotes.isgreat.org - my family have this health insurance. It is affordable and has good coverage for dental issues.
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What is the average price to fix a chipped tooth in Panama City Beach Florida with-out dental insurance?

I chipped the inside bottom of one of my teeth. Almost like it caved in, and my tongue keeps rubbing against it. It doesn't hurt...yet, but it's very annoying...
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I would encourage you to visit this great site healthsavings.ourperfectcard.com I signed up online over 6 years ago and they have saved me thousands of dollars over the years on all procedures. From root canals, xrays, exams, extractions...even my braces were covered. They even had my very affordable benefits active in 2 hours and was able to use them the very same day. Good luck and hope this helps
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I am looking to purchase individual dental insurance with a $2500 max and no waiting period. Please help.?

The dental insurance is the most important right now, but I am also in the market for health and vision as well. If there is a way that I can get all 3 for $150 or less a month, that would be great! As far as the health insurance, a $2500 or less deductible, $30 or less co-pay, must include prescription drug benefit $100 deductible, and yearly female exam. Thank you for any assistance you can provide.
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health-quotes.isgreat.org - my family have this health insurance. It is affordable and has good coverage for dental issues.
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Isn't there a free dental clinic in Charlotte NC for people who don't have dental insurance?

My roommate's mouth is all swollen from a toothache, but he has no insurance.
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Is there a dental school around you?? Nothing is free...although a l ot of dentists will let you make payments
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Which offers better coverage, dental insurance or dental discount plans?

I also need vision coverage...Thanks in advance!
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You get what you pay for! The basic difference between insurance and discount plans is the amount of coverage you get and where you can have the procedures done. There are 2 kinds of insurance. One, you get to choose the doctor (this usually nets in a higher premium) The other you must see doctors in their plan or have a referral to see a specialists. Traditionally you will get higher quality services from doctors that don't work for one of these discount groups because they work for themselves and don't have some corporate knot head telling them what to do. The big discount groups attract doctors just out of school without much experience, doctors that tried and failed in private practice, or doctors that aren't interested enough in growing and managing a practice and want some one else to do it for them. Premiums are considerably different with these plans. If finances restrict you from choosing a higher quality insurance plan, common sense says choose the discount plan. Getting some kind of care is better than none at all. Before you make your choice, consider what your dental needs are. If they are extensive, do your homework and compare plans. If you need help, some offices out there will be happy to answer your questions. Vision coverage is the same thing as dental. With Vision coverage be careful to read the fine print. For example, the plan will limit the money paid for frames and you can pay the difference. The choices of frames that fall into the price range they cover are usually pathetic. My lenses are $450 without a frame! Your correction may be an expensive one like mine so buyer beware!
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how to get really good dental insurance in the state of mississippi?

need a bunch of root canals anyways what i have seen its gonna run me about 500 dollars per tooth is there any way that i could get it done for about 50 to a 100 dollars per tooth
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healthplans.my-age.net - my family have this health insurance. It is affordable and has good coverage for dental issues.
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As crowns and bridges are not covered by Dental insurance, is there a guide line for the cost range?

so the patient will have an idea about reasonable or unreasonable charge?
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HELLO, if you have dental insurance then crowns and bridges are called major benefits that are covered under 50% of the dentist's price. The reasonable and usual fees vary from region to region, but your insurance co. knows these fees, so call them or your dentist.
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Good morning! Can anyone suggest a good dental insurance plan?

We had blue cross and blue shield and were not happy with it! We live in a semi small area and the only dentist office that accepted our plan never called us back after 15 voice mails and NEVEr answered their phones so we never were able to make an appointment! So I cancelled the policy. We need some dental insurance. I need to take my son in to get his teeth looked at and my husbands. We live in FL and there just doesn't seem to be a lot that I'm finding. Anyone have a suggestion?
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Aetna is the one I have along with this other plan from www.healthsavings.ourperfectcard.com I have both because if my insurance does not cover a service I use this other great plan. I signed up online over 5 years ago now and they have saved me thousands of dollars over the years. From root canals, xrays, exams, cleanings..etc. They even had my very affordable benefits active in 2 hours and was able to use them the very same day. good luck and hope this helps.
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Which are the best health insurance companies in Australia for dental claims?

Is it worth joining a health insurance scheme for dental work and is there a company that will allow dental coverage only without paying for hospital or medical benefits?
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According to my receptionist who handles the HICAPS, the best dental plans are R & T (transport union), or Teachers' Federation. For either of these you need to have a family member who is in that industry. Next best is NRMA for anyone to join. Worst at present is NIB. Whether it's worth joining is a tricky question - it depends on what your current needs are, and what might happen in the future. If you have good teeth with no holes, then you would only need cover for perhaps braces and wisdom teeth. Might be better just saving up the money after you consider the amount you would have to pay in (12 months qualifying period), and the amount of rebate you would get back. Or take out a loan if either of these treatments are necessary. If you've had lots of cavities, then you'll probably benefit from cover because you'll always have something that needs maintenance/repair. Similarly if you're a parent with kids and they might need treatment. The health funds only bundle dental with hospital because they make most of their profits from the hospital cover. The dental/chiropractic/sports/ ... cover is an add-on. Consider going to a dentist for a check-up and standard diagnostic Xrays (bitewings) plus an OPG Xray for wisdom teeth before you make a decision. Ask him/her their opinion.
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What would you do with no dental insurance?????

my molar broke in half (1 side is completely gone) and it hurts like hell. when i look in the mirror, it's all black inside which i guess means cavities.... so should i apply for dental insurance and try to save it or just have it pulled? it's 2nd molar from the back so no one can see it even when i smile. but in the meantime, how do i deal with the pain???????? ouch!!!!!!!!!!!!!!
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OUCH!!! Go to: http://www.mybenefitsplus.com/40491833 to apply for coverage. $11.95 a month!
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I pay child support every month, am I required to pay my son's dental/vision insurance?

I haven't seen my son in over 2 years but his mom got me for backed child support and until he's 18. But she's saying I have to pay his dental and vision insurance. Am I required to pay that?
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Only if stated in the court order. You need to learn what your rights are. Join Dads House in Yahoo Groups. http://tinyurl.com/DadsHouseGroup \\\\\\\\\\
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who here has dental insurance and who here does not have it?

who here is still on their parents dental care plan VS adults who have no dental care VS adults who have their own dental insurance? i myself have no dental plan, because myjob does not provide it.. just low pay labor worker, trying to make ends meet each month..
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healthplans.my-age.net - my family have this health insurance. It is affordable and has good coverage for dental issues.
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Where is the best place to learn about dental, accident, and health insurance?

I want to learn all about dental, accident, and health insurance and see ratings and reviews, of real plans, not obamacare, or any of the goverment stuff. Real private health insurance reviews.
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YOu are not the only one who met this problem,I have met this type of problem before.I have good experience here    www.HealthInsuranceIdeas.info    to solve my similiar problem.
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"Does anyone know of Dental Insurance for Adults?'?

I am 29 years of age. I would like to get Invisilign done to my teeth. What would be an excellent Dental Insurance for my teeth. It has to be a low rate.
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Most cosmetic Work is not covered by insurance plans. Your best bet would be to check with local dentists in your area to check costs and see if payment plans are offered. I was a patient of BrightNow Dental ( I believe these offices are located throughout the U.S.) and they offered competative prices and also offer a line of credit ( a dental credit card ). If you are low-income, you could look into your state or county medicaid program, but they may not cover this service either. I know in Ohio, medicaid won't even cover a root canal.
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I need help about dental health insurance. Please help me?

Where can I buy Health and Dental Insurance online? I am 18 years old and I have no dental or health insurance, Can someone point me in the right direction?
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YOu are not the only one who met this problem,I have met this type of problem before.I have good experience here www.HealthInsuranceIdeas.info to solve my similiar problem.
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I do not have dental insurance. Will my dentist charge me the same amount for a procedure that he would charge?

someone with insurance or do insurance company patients get better rates?
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health-quotes.isgreat.org - my family have this health insurance. It is affordable and has good coverage for dental issues.
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From experience, can anybody tell me if it's better to have actual dental insurance or a low cost health plan?

I am so lost when it comes to insurance matters. Hopefully, someone can shed some light. Thanks:)
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It will depend on your budget. I would encourage you to visit this site: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago now and they have saved me thousands on all services. From exams, xrays, fillings, cleanings...etc. All services are included in this very affordable plan. They even had my benefits active in 2 hours and was able to use it the very same day. hope this helps.
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How much does Invsalign cost and how much do dental insurance cover of it????10 points to best answer!!!!!?

I only have problem with my two front teeth they come out front and i want to know how much it would cost Using Invisalign to fix them.
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Dental insurance generally does not cover it since it's extremely expensive and brackets accomplish the same job for much cheaper. Invisalign is only for appearance. Can cost $3,000. Varies by professional, and how many plates person needs. The more work needed, the more molds have to be made, so higher price.
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Where can I buy my own health/dental insurance at the cheapest price?

When I turned 19 I was no longer legally able to be on my parents insurance coverage. I need to find out where I can purchase my own insurance at a reasonably cheap price...It's SOOOO expensive!!!
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Hello, I would strongly encourage you to visit this great website: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago when I was in college and they have saved me thousands of dollars over the years. From Cleanings, xrays, exams, fillings...etc. All services are included in this very affordable Plan. Even Medical, vision, Rx..etc. They even had my extremely affordable benefits active in 2 hours and was able to use them the very same day. good luck and hope this helps.
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Why are Dental and Vision Insurance separate from regular Health insurance?

Why are Dental and Vision Insurance separate from regular Health insurance? I have regular health insurance one me and my kids. I also have Dental and Vision insurance on just myself, because I can't afford it for my kids. They are the ones who need it most. Why are Dental and Vision not included on Health insurance? I'm not talking about for Braces or colored contacts, but for wellness check-ups, fillings, glasses if needed, etc.
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Networks are different for vision and dental. Also insurance companies are highly regulated by the state, and they can only write certain types of insurance, so if they don't have license for dental or vision, you have to buy that fomr somewhere else. Like the prev poster said, people who REALLY need dental and vision are those who will use the hell out of it, so therefore it is more expensive. For check up, usually simple vision exam is free from your health insurance. Dental is separate but if you just want cleaning then pay out of your own pocket might be cheaper actually.
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can regular health insurance be used for health-related dental work?

I have not only very unhealthy teeth, but an undersized lower jaw. Both of which is causing quite a bit of health problems (from digestive difficulties to sleep apnia). With this being not merely dental, can my health insurance be used to fund some way of fixing this problem?
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For a start get a bottle of HYDROGEN PEROXIDE and start brushing and mouth washing daily with it. It kills pain and heals oral problems. My dentist recommended this to me many years ago (I have mediocure teeth also) But the gums hold the teeth in, so when you get healthy gums your teeth are enormously better. You need to see an Orthodontist for the undersized lower jaw. My son had the same problem and was in Orthodonture 6 years to enlarge the bottom jaw. Of course your age may determine whether this can be solved now. He was 10-16 during his braces. You might need a couple of teeth pulled to allow space. It might be wise to buy some dental insurance that includes orthodonture coverage. To prepare for getting braces. For digestive difficulties, have your thyroid checked, this can cause swollowing problems. Losing even 10 lbs. can correct your sleep apnea problem. My Mother in Law had it for her life, after going on Sythroid for her Thyroid, she lost 17 lbs and her sleep apnea totally went away. She was 83 when it finally stopped. The doctor had increased her Sythroid for her Thyroid imbalance. For your stomach, drink a glass of Lemon water (about 3 Tablespoons in a glass) daily. This will correct the acid balance in your stomach. If you have been on any medication for anything it can throw your acid balance out of whack. Lemon juice sounds illogical, we started using it to improve our metabolism and it fixed my 10 year old acid reflux problem. Good Luck, I hope some of my suggestions help out. Medication is good in some cases, but can cause other problems.
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