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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Monday, November 29, 2010
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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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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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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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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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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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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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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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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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
Source
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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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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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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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 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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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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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.
Source
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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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
Source
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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
Source
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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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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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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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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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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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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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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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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