Wednesday, November 3, 2010

Can you help with a dental insurance question?

Do you know of a good dental insurance company that covers pre- existing problems such as peridontal disease.I am currently living in Texas if that helps. I'm wanting to get it activated ASAP.Thx.
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Given your situation, what i would recommend is a dental discount plan. It is different than dental insurance. I recommend that because although a dental insurance may "cover" a pre-existing condition, they can have some long waiting periods before you can get some work done... it operates as an unofficial "we don't cover pre-existing conditions" clause. Discount Plans for dental on the other hand start immediately for any procedure, they are about 7 bucks a month, and they do cover pre-existing conditions. Now you will also want to check these out with whatever dental discount plan you look at. 1. what is the start up/processing fee. Most are fairly cheap but some are $20 dollars and others are $40. 2. is there a difference in savings between general dentists and specialists (such as a periodontist). Most of the time there is, but ask what the difference is. 3. can you pay the membership monthly or does it have to be for a whole year at once. I know the discount plan at www.1Dental.com has a monthly offer, whereas most other dont and want you to pay for a whole year at once. Another thing you can do as well is check out nearby universities and dental schools to see if they have availabilities and would be able to help you. Anyway, i know that is a lot, but explore your options. You can check the university, but if that doesnt work, i would purchase a dental discount plan because you would be able to use it right away. Hope that helps!
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