My friend Allen has a cavity in his tooth, and his plan is to get work somewhere sometime soon with dental insurance so he can save money on the fillings or anything they have to do. I have never really researched this, but is this common practice or some sort of fraud? What might happen?
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It's fine and perfectly legal, unless they don't cover pre-existing conditions and he lies about having one. The dental insurance at most big companies does not have that kind of restriction, so he will probably be fine. However, a lot of companies have cut back on dental coverage during the recession. So it might not be as easy to find as he thinks. BTW, he should not let this go too long. He won't save money if his cavity gets bigger and requires more work. His co-pay on something major (a 3-surface filling or a root canal) might be more than paying for everything on a simple filling. If you are talking a few weeks, it's not a big deal. But if he puts off the filling for months and months, it may not save him anything in money, and it will cost him pain and maybe the tooth itself. I hope this helps. Good luck to you and to him.
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