Monday, December 13, 2010

Does Cal-COBRA apply to dental insurance?

I have only my dental insurance through COBRA. (My regular health insurance is not through COBRA.) When the 18-month federal COBRA ends, would I be eligible to continue my dental for another 18 months through Cal-COBRA or is Cal-COBRA only for regular health insurance, not dental?
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Once Federal COBRA is exhausted, Cal-COBRA may extend continuation coverage, up to a combined total of 36 months of coverage. Cal-COBRA coverage is also available for dental, vision and other specialized health plans (such as chiropractic coverage), if these plans are provided by the employer...
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In a Dental office position what would Hosting insurance mean?

There is a Dental office front desk position open that says you will need to do billing and Hosting insurance. What is that Hosting insurance?
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I've been around the front-office world for a long time, and I've never heard of "hosting insurance." Could it be a typo for, "posting insurance" - as in posting payments to a patient ledger? The other possibility is the office is a preferred provider for some insurance plans, but I've never heard the term "hosting" in that context. Is this position in the USA?
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Is there some type of dental insurance that is affordable??

I am 38 y/o male who needs to finally look into some dental insurance that is affordable/ I have some teeth that needs to be fix ASAP thanks for your Help Bri
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I dont know but I will keep an eye on your question for myself and my family. Thanks for the Q&A
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Will my dental insurance(Industrial alliance) pay for my upcoming dental fees(partial,I know) at the time of?

my appointment? or, will they reimburse me later? The dental receptionist told me that the normal fee for the first appointment(since this is my first in 6 years!) is usually around 224 Cad. Can someone help me?
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Call the dental office and they can provide this information to you. They will also let you know what their financial policy is for the first appointment. Nobody on this site can provide you with the proper answers. Good luck
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Is pulling of wisdom teeth medical or dental insurance?

My sister's wisdom teeth, eight years ago, were covered under medical. Today, my dentist is telling me it's covered under dental. There's a BIG difference in the copay!!!
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If it is done by a general dentist then it's paid for by dental insurance. If it is done by an oral surgeon then depending on your policy it can be covered by either medical or dental insurance.... call your insurance company for details.
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Where can i find low cost health insurance that can include dental? I am in GA.?

I havebeen looking everywhere for health insurance that includes dental(because I want braces)but they are so much (like 290 for a adult and 2 children) I am 16 years old looking for health insurance for my dad,me,and my sister.
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Most health insurance plans do not include dental. Some will have dental as a rider for an extra premium but the plans are generally not very good because of the waiting period and the maximum per year benefits. Some option dental plans won't cover braces at all so you need to check the benefits closely. 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. Here is one in Georgia: http://www.mcg.edu/SOD/ 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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how can i get a new crown with no dental insurance?

are there any clinics?
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I had a root canal & crown without dental many years ago. I actually got a discount for paying in full up front (I put it on my credit card). But, the dentist may also be willing to set up a payment plan for you. Talk to him or her before you set up the appointment to have it done. Also, I would go to a dentist that has a good reputation for good dental work. Ask around to friends, relatives & co-workers. I had a bad dentist when I was little & he left part of a cavity in a tooth he put a crown on & the tooth rotted on the inside without me even knowing. He also put in a type of a filing that deadened the nerve so I couldn't feel it. By the time it was discovered, the tooth was a mess. My dentist at the time was able to save it but I have probably spent $5,000 on that tooth alone, myself, I don't know what the dental insurance has paid for it over the years.
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parent's name on my dental insurance card?

I'm planning on going to the dentist soon and my dad mailed me an insurance card. Im under the insurance policy but my name is not on the card...its my dads name. I was wondering if the dental office will accept this when I present it to them or do I need to have it changed to my name?
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He is the policy holder, so it is in his name. They will call to verify the insurance and that you are listed on the policy. It's normal.
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how much does a crown cost with average dental insurance? i got a price i just want to make sure its a good..?

i will select best answer with 7 hrs
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I can help you with this one. I recently had to get two root canals and with that came two crowns. The root canal was not that bad on the wallet, but when I learned how much the two crowns cost I was displeased. After insurance, each crown came to be around $450. costing me almost a $1000 dollars on the dentist. I guess it would have been a lot worse if I didn't have insurance.
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the octuplet mom was offered 1 million to do porn they would give her family full medical and dental insurance?

ya porns degrading but it wouldnt be your money paying for her anymore and her babies would be taken care of, think about it
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You make a good point! You couldn't pay me to watch it though. She already said she would not be doing it.
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Is there anything to do for a cavity if you don't have dental insurance ? I have been taking antibotics?

Just don't have the money for 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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Can health insurance (no dental) cover braces in some cases?

For example, central and lateral incisors are crowded. Both have moved a significant amount, causing a change in the bite (can basically not use the front teeth to bite). In something so extreme, can health insurance cover the braces needed to repair?
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healthquotes.awardspace.info - here is my health insurance plan. As I remember they can provide such a service.
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Can health insurance (no dental) cover braces in some cases?

For example, central and lateral incisors are crowded. Both have moved a significant amount, causing a change in the bite (can basically not use the front teeth to bite). In something so extreme, can health insurance cover the braces needed to repair?
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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 and the Dentists Office?

Is it the Dentists Office responsibilty to refile a claim if one has not been paid in 6 months or is it the patient who must call the dentist office after so many months and tell them to re-file it?
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It is the patient's responsibility to keep up with insurance. Although, whoever does the insurance at your dentists office may try to stay on top of things, it's absolutely impossible to keep up with everyone's claims that have not been paid yet. I do exactly this for a living, so I know it can get overlooked sometimes. If you know the claim has not been filed or has not come through to your knowledge, (you would know this because you should have received an explanation of benefits from your insurance company probably before the dental office received their copy) you can always call your insurance company and ask if the claim has been filed or processed, and if so if anything was paid. If they have processed and paid it, then it could be en route to the dental office or lost in the mail. Be sure to communicate with the office to tell them any information you found out. If the claim was not filed or processed, per your insurance company, then call the dental office and kindly remind them that you have seen no payment by the insurance company for whatever date of service it was and ask them to please re-submit it for you. Every office is different. Some offices have the policy where the patients are responsible for filing their own insurance. It's not how we work around here, and hopefully it's not for your office either. It's a lot more headache for both the staff and the patient! Hope this helped!!! :) BTW it sounds like someone at that office just didnt want to do their job...hopefully they aren't trying to collect the money on it. The only reason they should MAKE you pay would be if the insurance company sent back an explanation saying that due to frequency limitations or expired coverage, your 6 month visit was not covered. They should have no problem re-filing the claim for you. That's just rude...seeing as how most insurance companies and offices do electronic claims...just the click of a button and they are filed!!
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Individual Dental Insurance for NJ?

I've been staring at dental insurance plans all day and finally it makes no sense anymore. I've enrolled in a discount plan but my dentist says I should get insurance for the procedures I'll be needing. I've only found one plan that seems to cover my area. Cost is not that big of an issue as more WHERE TO FIND IT. My job doesn't offer it. I'm an unmarried adult and I just need to purchase insurance (pref PPO) that will be effective as soon as possible.
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You have three options with dental. 1. 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 such as root canals and crowns, 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. 2. 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. 3. 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. 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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why is dental insurance so much more expensive than medical insurance?

just trying to find reasonable dental coverage for myself and family.
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The thing is, insurance companies are in BUSINESS and they want to make a PROFIT. They know exactly how much any given group is going to spend for their dental needs, so they construct a fee schedule for that group and decide how much premium that they will need to charge to pay out those fees for that group and still make money. Dental insurance can be a big loser for the insurance companies, because EVERYONE has dental problems. Not everyone has a heart attack. It is extremely difficult to find dental insurance that is worth buying if you are not getting it as part of a group through employment.
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why is dental insurance so much more expensive than medical insurance?

just trying to find reasonable dental coverage for myself and family.
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The thing is, insurance companies are in BUSINESS and they want to make a PROFIT. They know exactly how much any given group is going to spend for their dental needs, so they construct a fee schedule for that group and decide how much premium that they will need to charge to pay out those fees for that group and still make money. Dental insurance can be a big loser for the insurance companies, because EVERYONE has dental problems. Not everyone has a heart attack. It is extremely difficult to find dental insurance that is worth buying if you are not getting it as part of a group through employment.
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How can i get dental work done without insurance or mexico?

My employer does not offer a plan and i need a bridge or implant very soon but most individual plans don't cover much of the cost and they make you wait 6-12 months for bridges and implants.
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First you should check to see if there is a dental school somewhere near you. (Or at least within reasonable driving distance.) Many dental schools provide a full range of dental work in order to give their students experience. (Tricky procedures are usually done by the teacher, with the students assisting.) Sometimes they limit expensive procedures to low-income people only, but you can always check. (If you have low income, you may find you can get some assistance from the county health too.)
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can imputed income for medical & dental insurance for my domestic partner be claimed as medical expense?

my company offers medical and dental insurance to my domestic partner. but my company reports the entire value (what it cost me and my company) of the medical and dental coverage as taxable income to me. This totals over $8k last year. When I file my taxes, can I declare this as a medical expense under medical insurance premium?
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I run across this quite often. The answer is no. While some states recognize domestic partnership, the Federal Government does not. That is the reason that your employer reports it as income. They should not be pre-taxing your contribution for his insurance because Section 125 of the IRS code will only allow you to deduct on a pretax basis for members of your family, as defined by Federal Law. Domestic partnership does not meet that definition. The same holds true for COBRA. It is a federal law, and therefore, does not recognize domestic partnership. IRS Publication 502 lists all medical expenses that are eligible for tax consideration/deduction. It says: "You can generally include medical expenses you pay for yourself as well as those you pay for someone who was your spouse or your dependent...To include these expenses, you must have been married either at the time your spouse received the medical services or at the time you paid the medical expenses." It further defines dependent as, " Child, grandchild, great grandchild, etc, your stepchild, brother, sister, half brother, half sister, stepbrother or stepsister, parent, grandparent, or other direct ancestor, but not foster parent, stepfather, stepmother, brother or sister of your father or mother, son or daughter of your brother or sister, father-in-law, mother-in-law, son-in-law, daughter-in-law, brother-in-law, or sister-in law." The person must have lived with you for the entire year and you must have provided half of that person's total support for the calendar year. There is no mention of domestic partner. By the way, I don't believe that you can file a joint return unless you are married either.
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Around how much can you expect to pay for dental insurance?

for only yourself? never bought it before, so don't know
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Too much for what you will benefit. I would consider having a dental exam to access your needs. Then I would consider some sort of payment options..such as Care Credit, versus insurance. If your needs are minimal, you don't need insurance. Good Luck
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Any cheap dental insurance?

I am into getting braces but i dont have dental insurance. So i was looking into delta dental and aethna? but didnt know if they were better ones that cover more and that have cheap payments or annual fees?
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Look, they all charge about the same, and most of them exclude orthodontics, flat out. Orthodontics coverage is EXTREMELY limited, because only people who wanted to use it, would ever buy it.
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are there any affordable health and dental insurance plans out there,i mean really affordable?

i am going through a financial crisis so to say, and cant find any affordable health and dental plans out there.
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Honestly, if you're in a financial crisis, buying a dental plan is hard to do. I bought my health insurance on www.ehealthinsurance.com. They are the easiest site I've found to compare benefits of companies at certain premium price levels. I did it for Washington State. I believe they have other states. If you're hoping to use the insurance to save you health care costs, the answer is probably no. A $500 deductible plan is very expensive. If you're trying to prevent a worst-case catastrophic event, then there are a number of inexpensive plans available. When you analyze if you are going to get insurance, consider the reason. If it's to save on health care costs short term, frequently, by the time you pay for the premiums and deductibles, it would have been cheaper to simply out of pocket the expense. Email me with any questions. Good luck, Jared
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Lost heath/dental insurance, anything more affordable than COBRA?

I just graduated from college and have 30 days to determind if I stay with the COBRA plan (about $350 a month) or find other insurance. I don't mind having to use in-network doctors. I'm also based in NJ if that makes a difference. Any ideas on what I can use? Much appreciated.
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Well, there might be some health insurance cheaper than your cobra, HOWEVER, you won't find effective, stand alone dental. Your BEST bet is to take Cobra month to month until you have a job. And take any job you can find that will give you benefits.
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have no dental insurance or job where can i get dental care in nc?

i am in need of dental care but dont have insurance where can i go in goldsboro nc
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you can try UNC-Chapel Hill Dental School-they have a application process where you can get cheap care and help the students learn.
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