I live in Seattle and would like to get some dental work done but it seems as if you have to have insurance or a hefty savings account to have dentists even look at you. Would love any input on how to accomplish this.
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Medical Discount Plan ideal for those who cannot afford or qualify for traditional health insurance. The companies offer discounted health services for a quite low monthly fee. Benefits include a range of discounts for doctors, hospitals, dental, vision, prescriptions, vitamins, as well as other health services. 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/dental.html to solve the problem.
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Friday, December 3, 2010
I need some dental insurance?... Its been about 2 years since i have seen a dentist.?
Anybody know where i could get some affordable dental insurance ? Times are tough.
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I feel ya. It was a long time for me as well. I cant afford much either but i found a site from a friend... so i checked it out. Amazing... covers family plus individual - covers pre-exisiting conditions which was very important to me. My health insurance now wouldn't cover that (hence why I didn't have any). So check it out. I was very impressed and now I am relieved. http://www.dentalplans.com/afftracker.as…
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I feel ya. It was a long time for me as well. I cant afford much either but i found a site from a friend... so i checked it out. Amazing... covers family plus individual - covers pre-exisiting conditions which was very important to me. My health insurance now wouldn't cover that (hence why I didn't have any). So check it out. I was very impressed and now I am relieved. http://www.dentalplans.com/afftracker.as…
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Dental Insurance wont cover surgery?
I have a really bad cavity on my upper right wisdom tooth that needs to be taken out, but the oral surgeon that I want to do the surgery does not particapate with my Dental Insurance. What can I do? I can not afford to pay out-of -pocket.
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See if they will accept assignment of benefits from you (so the payment goes directly to them). Call your insurance company and find out approximately how much they will cover, and you pay the difference up front. (You'll need to get the procedure codes from the office). Once the payment is received from the insurance company, if you still owe a balance you will be billed for it. Orrrrrrrrrr talk to others that have used one of the surgeons that do participate in your plan, but remember that just because they participate, it doesn't mean you will not have any out-of-pocket expenses. Good luck!
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See if they will accept assignment of benefits from you (so the payment goes directly to them). Call your insurance company and find out approximately how much they will cover, and you pay the difference up front. (You'll need to get the procedure codes from the office). Once the payment is received from the insurance company, if you still owe a balance you will be billed for it. Orrrrrrrrrr talk to others that have used one of the surgeons that do participate in your plan, but remember that just because they participate, it doesn't mean you will not have any out-of-pocket expenses. Good luck!
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In need of individual dental/eye insurance plan?
I can't seem to be able to find a provider of individual dental and vision insurance. My employer recently dropped these benefits.
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You have five options with dental. 1. Go without insurance. If you have good teeth and just want the basics you probably don't need any plan. A yearly cleaning and exam and even an occasional filling will cost you less without insurance. 2. 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. 3. 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 $829. With insurance you pay $414 after paying 18 months of premium (around $800 or $900). Advantage - you can use any dentist with most plans. 4. 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 $829. With discount plans you pay around $746. 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. 5. 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 $829. With fee for service plans you pay as little as $404. Some of these plans will cover vision as well. 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 five options with dental. 1. Go without insurance. If you have good teeth and just want the basics you probably don't need any plan. A yearly cleaning and exam and even an occasional filling will cost you less without insurance. 2. 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. 3. 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 $829. With insurance you pay $414 after paying 18 months of premium (around $800 or $900). Advantage - you can use any dentist with most plans. 4. 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 $829. With discount plans you pay around $746. 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. 5. 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 $829. With fee for service plans you pay as little as $404. Some of these plans will cover vision as well. 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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In need of individual dental/eye insurance plan?
I can't seem to be able to find a provider of individual dental and vision insurance. My employer recently dropped these benefits.
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VSP for eyes, Bluecross/Metlife for dental.
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VSP for eyes, Bluecross/Metlife for dental.
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Do I pay for health, dental and vision insurance?
I doing research for a project, when a job covers your health dental and vision insurance does that mean that I don't have to pay monthly bills for these because my job covers it all, or does that mean it only cover part of it?
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Rarely, a job might cover all. Usually, a job covers 40-90%, but you still pay something. However, you do not pay bills "monthly". Instead, they take something out of each paycheck, so that it adds up to the right amount over a year.
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Rarely, a job might cover all. Usually, a job covers 40-90%, but you still pay something. However, you do not pay bills "monthly". Instead, they take something out of each paycheck, so that it adds up to the right amount over a year.
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I think I have a cavity, but I don't have dental insurance. About what does a clean cost without insurance?
What would be the average cost for a check-up jus to make sure I DON't have cavities. I think I might possibly have a receding gumline that is causing my sensitivity pain because I'm 21 and I've noticed they've receded some, but I want to be sure it's not more serious!
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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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I don't have dental insurance, and I have a tooth ache?
One of my molars hurts really bad, and I am most certian that I will need a root canal. I have medical insurance but not dental. Also, I only have about a hundred bucks. What should I do?
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Talk to your dentist to see if they have any kind of payment plan, there is a dental credit card out there called care credit that you can apply through your dentist.
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Talk to your dentist to see if they have any kind of payment plan, there is a dental credit card out there called care credit that you can apply through your dentist.
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Is it true that you can't get dental insurance that is a PPO unless a job issues it to you?
like HMO's pretty much anyone can get, is that true? How does it work with PPOs?
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It is not true. There are dental PPO's that a person can get without a job. But they are too expensive to be cost-effective.
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It is not true. There are dental PPO's that a person can get without a job. But they are too expensive to be cost-effective.
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Dental Insurance in California?
Hi! I recently moved to ca and are in search of dental insurance. After looking at a very appealing dental n'plan' i came to find out that it isnt in fact dental insurance, but a dental benefits plan. My question is, whats the difference between dental insurance and the dental benefits plan? PLEAAASSEE help i really need to get either and hurry to the dentist. Replies will be greatly appreciated and i thank you for taking your time to read my question.
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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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is there any way to get a refund on dental insurance if you were fired before being able to use it?
the reason i got fired was pretty reasonable to me and i'm not looking for a lawsuit or anything. i could just use the money that was taken out of my check for it. i had the insurance taken out for about a year before i got fired.
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No, you don't get a refund. It's like getting health insurance, if you leave the job, you no longer have it. The insurance is on the outside chance that you will need it for the months that you are insured. The insurance companies take a gamble on your dental work not exceeding what you pay in, sometimes they win and sometimes they lose, but mostly they win, but it's there if you need it, but only while you are covered. That's the way insurance works. It's not an investment.
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No, you don't get a refund. It's like getting health insurance, if you leave the job, you no longer have it. The insurance is on the outside chance that you will need it for the months that you are insured. The insurance companies take a gamble on your dental work not exceeding what you pay in, sometimes they win and sometimes they lose, but mostly they win, but it's there if you need it, but only while you are covered. That's the way insurance works. It's not an investment.
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Is anyone happy with their dental insurance company?
Looking for a good company.
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As a dentist, I know that this question is impossible to answer. Delta is wonderful to work with as a company, but they must sell at least a hundred different plans. There are many other companies that sell dental insurance such as Aetna, MetLife, and several others, but they all sell many different products. How happy YOU are depends on which plan you buy. Most of the time, the only way to get really good dental coverage is through your employer. When you buy dental insurance as an individual, there are deductibles and co-pays and annual maximums that you need to analyze in order to figure out when and if you will actually save money by having insurance coverage. Some of the premiums I have seen make it almost impossible to realize any positive cash flow from the related policy. I mean, at $60 a month with $100 deductible and $1,000 annual maximum, you will have to take $820 out of your own pocket before you realize one penny of "profit" or net gain from your dental insurance. Then you have to calculate the effect of co-payements. Check the figures and do the math yourself. Be cautious about buying or choosing a plan where you do not have any choice about the dentist you can see, because you just might not like the dentist(s) listed on the plan and then you are stuck for a year until you can get out of it. Be cautious about buying a so-called "dental discount plan," since they also have restrictive lists and they really are not dental insurance at all. Just be careful and understand what you are buying. For many people who just can't get good dental insurance, a regular savings plan sort of like a Christmas Club with $20-25 a month deposited into a dedicated account will pay off when you examine the return over a lifetime. You may run way over your savings at first, but once you get your mouth straightened out, your annual expenses should not be more than a couple hundred dollars most of the time.
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As a dentist, I know that this question is impossible to answer. Delta is wonderful to work with as a company, but they must sell at least a hundred different plans. There are many other companies that sell dental insurance such as Aetna, MetLife, and several others, but they all sell many different products. How happy YOU are depends on which plan you buy. Most of the time, the only way to get really good dental coverage is through your employer. When you buy dental insurance as an individual, there are deductibles and co-pays and annual maximums that you need to analyze in order to figure out when and if you will actually save money by having insurance coverage. Some of the premiums I have seen make it almost impossible to realize any positive cash flow from the related policy. I mean, at $60 a month with $100 deductible and $1,000 annual maximum, you will have to take $820 out of your own pocket before you realize one penny of "profit" or net gain from your dental insurance. Then you have to calculate the effect of co-payements. Check the figures and do the math yourself. Be cautious about buying or choosing a plan where you do not have any choice about the dentist you can see, because you just might not like the dentist(s) listed on the plan and then you are stuck for a year until you can get out of it. Be cautious about buying a so-called "dental discount plan," since they also have restrictive lists and they really are not dental insurance at all. Just be careful and understand what you are buying. For many people who just can't get good dental insurance, a regular savings plan sort of like a Christmas Club with $20-25 a month deposited into a dedicated account will pay off when you examine the return over a lifetime. You may run way over your savings at first, but once you get your mouth straightened out, your annual expenses should not be more than a couple hundred dollars most of the time.
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If you have health and dental insurance through your job but need expensive work done, can you purchase extra?
insurance from a different company to help cover the cost??
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Let's think about this for a minute. You know you need $10,000 worth of work. Your insurance is only going to cover say, $6,000 of the bill. So you're wondering if you can find an insurance company that if you pay them a premium of say, $150, they'll cover the other $4,000? That's not much of a deal for the insurance company is it? Do you really think they're going to issue you a policy knowing it's going to cost them $3850?
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Let's think about this for a minute. You know you need $10,000 worth of work. Your insurance is only going to cover say, $6,000 of the bill. So you're wondering if you can find an insurance company that if you pay them a premium of say, $150, they'll cover the other $4,000? That's not much of a deal for the insurance company is it? Do you really think they're going to issue you a policy knowing it's going to cost them $3850?
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Health Insurance discontinuing in a couple weeks. Please find dental insurance for me.?
I experienced a Traumatic Brain Injury on 6/28/00 due to my car being crushed by a Semi. Social Security Disability does not cover dental insurance.
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If you are on SSI, you may qualify for dental services through Medicaid in your state. Contact your local or state dental association and and see if there are any dentists who provide free or reduced cost care for low-income, disabled or senior patients. Call your local health department and ask about health centers that provide dental care for free or on a sliding scale. Your local United Way may also be aware of such a clinic. In some areas, you can reach them now by dialing 2-1-1 for "non-emergency information." Go to a dental school, if there is one near you, for reduced costs. Check http://www.toothwoman.net to see if low-cost or free dental services are available near you. Check http://bphc.hrsa.gov and choose "Find a Health Center" to see if there is a low-cost clinic near you. Check http://www.nfdh.org/DDS.html to see if your state has a "Donated Dental Services" program. D.D.S. is designed to locate dentists who will give free care to patients who are financially compromised due to medical problems. This is a process that will take a couple of months to get your information and then arrange for someone to see you. Not all states have D.D.S. programs.
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If you are on SSI, you may qualify for dental services through Medicaid in your state. Contact your local or state dental association and and see if there are any dentists who provide free or reduced cost care for low-income, disabled or senior patients. Call your local health department and ask about health centers that provide dental care for free or on a sliding scale. Your local United Way may also be aware of such a clinic. In some areas, you can reach them now by dialing 2-1-1 for "non-emergency information." Go to a dental school, if there is one near you, for reduced costs. Check http://www.toothwoman.net to see if low-cost or free dental services are available near you. Check http://bphc.hrsa.gov and choose "Find a Health Center" to see if there is a low-cost clinic near you. Check http://www.nfdh.org/DDS.html to see if your state has a "Donated Dental Services" program. D.D.S. is designed to locate dentists who will give free care to patients who are financially compromised due to medical problems. This is a process that will take a couple of months to get your information and then arrange for someone to see you. Not all states have D.D.S. programs.
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What is the best dental plan/or insurance for restoration work?
I am seeking an insurance plan or discount program that handles restorative work and implants unless someone knows of something new for teeth that have been knocked out or broken off . Looking at the entire upper mouth front and 2 molar on one side. Money is an issue but so it this persons emotional welfare. What type of program is best for this extensive work? Does anyone know about costa rica dentists? I hear they are cheaper and they can do the work at just a few sittings>>>
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Insurance, no matter what company it is from, is never as good as you think it is. You usually have waiting periods, this means that there are certain dental procedures that they won't pay for until you have been on the insurance plan for 6-12 months. This doesn't help you much if the first procedure you need is one of those procedures not covered. They have all types of rules, provisions, and limitations that anyone who does not have a great deal of dental knowledge (terminology, definitions of types of dental materials, etc.) would be completely confussed by. I told one patient once how much her dental insurance would cover on a procedure and she was really upset that her out of pocket was so high. I asked her how much she paid monthly in premiums and we figured it up that she paid about $1,500 in insurance premiums. Her insurance maximum (the maximum amount that an insurance company will pay a year for a patients dental care) was only $1,000.00. She was giving her insurance company $500.00 for doing nothing. I recommended that she take what she paid monthly in premiums and put it in a savings account instead. At least that way she would have full use of all the money she put into the account and could pull out money when she needed work done. The discount plans actually are not bad though. It is certainly better to pay $200 for a filling than $300. That is how those plans work. The dentist agrees to only charge you what price the plan sets.
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Insurance, no matter what company it is from, is never as good as you think it is. You usually have waiting periods, this means that there are certain dental procedures that they won't pay for until you have been on the insurance plan for 6-12 months. This doesn't help you much if the first procedure you need is one of those procedures not covered. They have all types of rules, provisions, and limitations that anyone who does not have a great deal of dental knowledge (terminology, definitions of types of dental materials, etc.) would be completely confussed by. I told one patient once how much her dental insurance would cover on a procedure and she was really upset that her out of pocket was so high. I asked her how much she paid monthly in premiums and we figured it up that she paid about $1,500 in insurance premiums. Her insurance maximum (the maximum amount that an insurance company will pay a year for a patients dental care) was only $1,000.00. She was giving her insurance company $500.00 for doing nothing. I recommended that she take what she paid monthly in premiums and put it in a savings account instead. At least that way she would have full use of all the money she put into the account and could pull out money when she needed work done. The discount plans actually are not bad though. It is certainly better to pay $200 for a filling than $300. That is how those plans work. The dentist agrees to only charge you what price the plan sets.
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Through what insurance can I find the best dental and vision coverage?
I don't have insurance at my workplace so I am in need of dental work and vision pretty soon here. I'd like to beat it to the punch before it becomes an emergency if I could. Can anyone point me to the right direction?
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I would encourage a visit to this site: www.healthsavings.ourperfectcard.com I signed up online over 5 years for all my dental and vision services and they have saved me thousands since. From exams, xrays, cleanings, contacts...etc. all services are included in this very affordable plan. They even had my benefits active in 2 hours and was able to use it the very same day. hope this helps.
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I would encourage a visit to this site: www.healthsavings.ourperfectcard.com I signed up online over 5 years for all my dental and vision services and they have saved me thousands since. From exams, xrays, cleanings, contacts...etc. all services are included in this very affordable plan. They even had my benefits active in 2 hours and was able to use it the very same day. hope this helps.
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I have some serious dental problems due to physical abuse but lack insurance. Does anyone have helpful ideas?
My two front teeth are gone, I have many rotten teeth throughout my mouth. Because of this, I rarely smile. I believe it would really help my self-image if I was able to get this issue fixed, but not having dental insurance (and it's even harder getting individual insurance) is holding me back. Someone please give me some helpful hints or ideas!
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if you are underage, you may be able to get help from NHS
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if you are underage, you may be able to get help from NHS
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What should I do if I don't have dental insurance?
I need a crown, I think. The dentist handed me an Ameriplan brochure and said other patients have used it but after looking online at reviews, I'm not so sure. Anyone been in this spot?
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If it is a "health credit card" (or loan), it works like any other credit card. Since you have no collateral, they will most likely charge a high interest rate. If you have other options, use those options first. The loan is fine as long as you understand the fees involved and the consequences for not paying on time. If you can pay it off within a month or two with the interest, it should be fine. If you are not very good with money or paying bills on time then I wouldn't even consider it. You may want to see if you can find a dental school around you that may provide services for a lower fee or see if there are alternative treatments for the short term until you can save money for the crown.
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If it is a "health credit card" (or loan), it works like any other credit card. Since you have no collateral, they will most likely charge a high interest rate. If you have other options, use those options first. The loan is fine as long as you understand the fees involved and the consequences for not paying on time. If you can pay it off within a month or two with the interest, it should be fine. If you are not very good with money or paying bills on time then I wouldn't even consider it. You may want to see if you can find a dental school around you that may provide services for a lower fee or see if there are alternative treatments for the short term until you can save money for the crown.
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best dental insurance for working students?
I'm broke and don't get help from family. Anyone know what I should do about dental insurance? Cheapest, easiest, student friendly insurance? I'm new to san Diego and don't know where to start
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I would strongly encourage a visit to www.healthsavings.ourperfectcard.com I signed up online over 6 years ago online when I was in college and they have saved me thousands of dollars over the years on all services. From root canals, xrays, exams, extractions, crowns...etc. Even my braces had great coverage. 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 you out
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I would strongly encourage a visit to www.healthsavings.ourperfectcard.com I signed up online over 6 years ago online when I was in college and they have saved me thousands of dollars over the years on all services. From root canals, xrays, exams, extractions, crowns...etc. Even my braces had great coverage. 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 you out
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Why would my dentist office submit the same claim multiple times to my dental insurance company?
What happened was, my dentist said I had to have a $2,000 treatment plan. My maximum insurance benefit (from the company) is supposed to be $1,600. So I paid about $430 in cash up front to cover my end of the cost, and they said everything was fine, I took care of it. Now the dentist is sending me a bill for $300. Researching online, it looks like (under claim status) that my dentist submitted the same work claims (like two claims for the SAME teeth) more than once, and they have tried to collect $4900 from the insurance, and it also looks like my insurance has paid out over $2000 when I was only supposed to get $1600 in benefits? Any ideas please? Customer service is closed and I hate not knowing answers like this over the weekend... I need peace of mind of knowing what the problem could be. Should I pay this $300 bill when the dentist said that I only pay $430 and I did?
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You should (try to) forget about it until Monday. Then you must contact your insurer and tell them you suspect fraud. I worked in billing for many years and some healthcare providers are dishonest; others just have incompetent office staff. If no fraud is involved, you may actually owe the extra $300. Sometimes medical insurers don't cover some costs (I swear I think they flip a coin to see what they'll pay!); for example, I paid an extra $300 once because I required extra anesthesia during a wisdom tooth extraction. One physician billed me, and my insurer, for 2 office visits that occured on a Saturday (their office is closed Saturdays). So relax! Let your insurer investigate. That's what they're for!
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You should (try to) forget about it until Monday. Then you must contact your insurer and tell them you suspect fraud. I worked in billing for many years and some healthcare providers are dishonest; others just have incompetent office staff. If no fraud is involved, you may actually owe the extra $300. Sometimes medical insurers don't cover some costs (I swear I think they flip a coin to see what they'll pay!); for example, I paid an extra $300 once because I required extra anesthesia during a wisdom tooth extraction. One physician billed me, and my insurer, for 2 office visits that occured on a Saturday (their office is closed Saturdays). So relax! Let your insurer investigate. That's what they're for!
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where can i get affordable(cheap) dental insurance coverage.?
I work part time and am a student paying my own way. My teeth need some work and I cant afford it. So i need affordable insurance. Any help is appreciated.
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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 now and they have saved me thousands on all services. From Root canals, xrays, cleanings etc. Even my braces were covered. They even had my extremely very affordable plan active in 2 hours and was able to use the plan the very same day. hope this helps
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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 now and they have saved me thousands on all services. From Root canals, xrays, cleanings etc. Even my braces were covered. They even had my extremely very affordable plan active in 2 hours and was able to use the plan the very same day. hope this helps
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What should i do, I have no money and no insurance for dental work??
I need thousands of dollars of both health and cosmetic dental work on my teeth and can't afford anything :( Any ideas or am i screwed? I live in Chicago !
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Okay, first of all you need to find som affordable insurance. There are several places were you can get insurance for like 14 bucks a month. (I'll include a link below.) Also, there is one insurance place that even gives you a month trial! I saw it opn TV but cant remember what it is called, but this one I found on the web offers a 45 day trial. http://www.business.com/directory/financial_services/insurance/health_insurance/dental_insurance/ Okay, second way to solve your problem is to find a dentist were you can make payments, there have to be some around your parts that will accept people with bad credit, if you have bad credit or cannot qualify for Care Credit. I could not qualify for Care Credit, but am lucky enough to live in Arizona, where they have a place called Western Dental that will finance anyone with no money down. (Maybe you could make a couple trips to AZ or California?) So, try to find a dentist in Ill. who will finance anyone, or find a co- signer. But Care Credit is very hard to get, I know I tried! Try calling dentists and ask who they get credit through. Some may have in- house financing, or offer someone else besides Care Credit, like AFS, who is easier to qualify through. Anyways, I know how you feel. It sucks to have bad teeth and I should know because I just barely got mine fixed, insurance covering half the cost, or $1500, which means I only have to finance 1500. So the point is, get you insurance first, and you can for cheap, like 13 bucks a month. Then find dentist who can finance you. Call around, ask a couple dental offices where you can go in your situation. IF you look hard enough you'll find something. No matter what, get started now. There is no right time. I just went for one appointment and two months and six appoinments later My teeth are almost done. It can happen for you. And if you get insurance, your exam will be free, which will greatly help you get started. Also, X-rays and other things will be covered. And last, 50% of dental procedures will be covered, so you can go little by little if need be. BElow are a couple links to other insurance places that seem to have low rates. http://www.google.com/pagead/iclk?sa=l&ai=BYcCEcXWCR_iOPInieeHX9e8Dqb_KNfHS_6wC77qjCID5KwgAEAMYAygDOAFQoMCvqPj_____AWDJ3o6LwKTYD6AB86Lo_gOqARNjb20ubWljcm9zb2Z0OmVuLXVzyAEBgAIByAKVy7MB2QPon-UdtSG4sw&adurl=http://www.usadentalcare.com/cgi-bin/db2/refer.cgi%3Ftrack%3D100114 http://www.americandenticare.com/
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Okay, first of all you need to find som affordable insurance. There are several places were you can get insurance for like 14 bucks a month. (I'll include a link below.) Also, there is one insurance place that even gives you a month trial! I saw it opn TV but cant remember what it is called, but this one I found on the web offers a 45 day trial. http://www.business.com/directory/financial_services/insurance/health_insurance/dental_insurance/ Okay, second way to solve your problem is to find a dentist were you can make payments, there have to be some around your parts that will accept people with bad credit, if you have bad credit or cannot qualify for Care Credit. I could not qualify for Care Credit, but am lucky enough to live in Arizona, where they have a place called Western Dental that will finance anyone with no money down. (Maybe you could make a couple trips to AZ or California?) So, try to find a dentist in Ill. who will finance anyone, or find a co- signer. But Care Credit is very hard to get, I know I tried! Try calling dentists and ask who they get credit through. Some may have in- house financing, or offer someone else besides Care Credit, like AFS, who is easier to qualify through. Anyways, I know how you feel. It sucks to have bad teeth and I should know because I just barely got mine fixed, insurance covering half the cost, or $1500, which means I only have to finance 1500. So the point is, get you insurance first, and you can for cheap, like 13 bucks a month. Then find dentist who can finance you. Call around, ask a couple dental offices where you can go in your situation. IF you look hard enough you'll find something. No matter what, get started now. There is no right time. I just went for one appointment and two months and six appoinments later My teeth are almost done. It can happen for you. And if you get insurance, your exam will be free, which will greatly help you get started. Also, X-rays and other things will be covered. And last, 50% of dental procedures will be covered, so you can go little by little if need be. BElow are a couple links to other insurance places that seem to have low rates. http://www.google.com/pagead/iclk?sa=l&ai=BYcCEcXWCR_iOPInieeHX9e8Dqb_KNfHS_6wC77qjCID5KwgAEAMYAygDOAFQoMCvqPj_____AWDJ3o6LwKTYD6AB86Lo_gOqARNjb20ubWljcm9zb2Z0OmVuLXVzyAEBgAIByAKVy7MB2QPon-UdtSG4sw&adurl=http://www.usadentalcare.com/cgi-bin/db2/refer.cgi%3Ftrack%3D100114 http://www.americandenticare.com/
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My tooth hurts and I don't have dental insurance, what can I do?
I can't pay the dentist and my current job has no benefits. I've tried dental colleges but their overloaded and won't take me for over a year.
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Medical Discount Plan ideal for those who cannot afford or qualify for traditional health insurance. The companies offer discounted health services for a quite low monthly fee. Benefits include a range of discounts for doctors, hospitals, dental, vision, prescriptions, vitamins, as well as other health services. Individual & Family Health Plans This is a major health insurance plan for individuals and families. If you are looking for comprehensive long term health insurance coverage for yourself and/or your family members who are 62 years old or younger - this is the plan to choose. Short Term Medical Plans This plan is ideal for individuals in transition. Maybe you have just graduated from college and are no longer covered under your student health insurance or you moved out on your own, and you're no longer covered under your parents' medical insurance plan. Or perhaps you're employed part-time, going to school, leaving home for the first time, or even retiring early. Maybe you've found a new job, but your new employer's group health insurance plan won't kick in until you've been with months. 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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Medical Discount Plan ideal for those who cannot afford or qualify for traditional health insurance. The companies offer discounted health services for a quite low monthly fee. Benefits include a range of discounts for doctors, hospitals, dental, vision, prescriptions, vitamins, as well as other health services. Individual & Family Health Plans This is a major health insurance plan for individuals and families. If you are looking for comprehensive long term health insurance coverage for yourself and/or your family members who are 62 years old or younger - this is the plan to choose. Short Term Medical Plans This plan is ideal for individuals in transition. Maybe you have just graduated from college and are no longer covered under your student health insurance or you moved out on your own, and you're no longer covered under your parents' medical insurance plan. Or perhaps you're employed part-time, going to school, leaving home for the first time, or even retiring early. Maybe you've found a new job, but your new employer's group health insurance plan won't kick in until you've been with months. 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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how much will a dental insurance home depot worker cover?
how much will a dental insurance home depot worker cover? like the average.. for orthodontics
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Talk to your human resources department,they should be able to answer that for you or give you a booklet that tells you what your insurance will and won't pay for.
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Talk to your human resources department,they should be able to answer that for you or give you a booklet that tells you what your insurance will and won't pay for.
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Should I put my husband on my dental/health insurance if he already has his own insurance? Does it matter if?
we are on each others insurance? He says it doesn't cost him anything for his so why should he cancel it. I just don't want some big discrepancy between the insurance companies when there is a claim to be paid.
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Dual insurance is a great option to have. It doesn't take much to use up your entire years maximum. I have dual insurance and used up my maximum on both plans this year and still ended up having to pay nearly $2000 out of pocket. (3 root canals and 2 fillings) I still haven't been billed for the crowns yet which will be another $3000 out of pocket. So I recommend stay on the safe side for the minimal expense and get the dual coverage. Edit: You only need one health plan for coverage, but I'd stick with the dual dental. Its cheap.
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Dual insurance is a great option to have. It doesn't take much to use up your entire years maximum. I have dual insurance and used up my maximum on both plans this year and still ended up having to pay nearly $2000 out of pocket. (3 root canals and 2 fillings) I still haven't been billed for the crowns yet which will be another $3000 out of pocket. So I recommend stay on the safe side for the minimal expense and get the dual coverage. Edit: You only need one health plan for coverage, but I'd stick with the dual dental. Its cheap.
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