I'm 20 years old and just got back from the dentist for the first time since I was 12. It turns out I have 7 cavities that need to be filled and need 2 teeth pulled. This would be upwards to $2,000 without dental insurance. What is preventing me from getting dental insurance now? There must be something stopping me, right? I don't know how any of this works. I'm just hoping there's a cheaper way to fix my teeth. Thanks for your help in advance.
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you can sign up with a dental insurance plan no problem. You're young healthy person it probably won't cost you too much, maybe like $50/month. Depending on which kind of plan you get. For dental I would stay away from DMO/HMO and go with the PPO. There is usually a waiting period for any major work, like 3 months or up to a year. Simple cavities and fillings aren't major. You'll have to pay co-pay, deductibles(usually not that much for fillings and extractions). Ask your dentist which insurance he is a contracted provider and sign up for that. They usually charge less because they've agreed to a fee in return for a larger number of patients. REMEMBER, insurance companies is not your friend. They're big corporations, big busineeses that's out there to make money off you and the dentist. "Insurance" is not even a right word for such practice, it really should be called a "benefit plan". Why does health care cost so much in the US? because of them lawyers. In the US people love to sue, any chance they get. And the ratio of lawyers to doctors is like what, 10:1? plus those ambulance chasers. No wonder doctors have to raise fee in order to pay for their malpractice insurance premiums. And hospitals have to hire more staff to document all the procedures, go through unnecessary tests(ordered by doctors fearing the lawyers). So lawyers is the reason why you have to pay so much for health care in the US. Good luck.
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