Sunday, December 26, 2010

Help with dental insurance?

Ok, , please only answer this if you are for sure on the answer! Thanks. Ok, I have 4 cavities and gingivtes, and my husband has a bunch of cavities and gingivites and root canals. We have no dental insurance, and we need atleast 6-7000 dollars worth of dental work done. DOES ANYONE have any idea of a place I could go to get amazing dental insurance? I can't pay up front to much money maybe a few hundred. This really sucks- its way to much to even think about =( thanks
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It is hard to find individual plans (those not linked to an employer). And when you do find them they are usually not that good. As the saying goes "you get what you pay for". Even if you had, or are able to find, a traditional indemnity or PPO plan, they typically pay out a maximum of $1000- $1500 per person, per year. And the more complicated procedures you refer to, would only be covered at 50% most likely. So in addition to paying you deductible, copays and any amounts about and beyond the maximu, you will also have paid a premium to your insurance company. You would really need to sit down and do the math to see if gettin insurance really saves you that much money in the long run. See if you dentist can spread out the treatment of a longer period of time and work out a payment or possibly a low interest rate credit card. The USA really has to do something the insurance problems we have. Good Luck!
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