I have dental insurance which states that for "Routine Dental Treatment" that a "50% Co-insurance applies". There is then "Benefit Limit" of $400. Can some please explain what this means and how the Benefit limit and 50% Co-insurance are related. Thanks!
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Your Co-insurance means your insurance will pay 50% of your dental bill. The benefit limit means that the insurance will pay 50% of your bill up to $400. That means if you have a dental bill of $600, the insurance will pay 50%, or $300. If the bill is $800, the insurance pays $400. If the bill is $1000, it will pay $400 even though 50% is $500 because the "limit" is only $400.
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Tuesday, December 14, 2010
I am self employed i need to buy some dental insurance. Is there any out there on the net that someone
that someone would recommend. Would you just recommend pay out of pocket each time. THANKS.
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Most of my employers haven't offered me dental coverage (ironic, isn't it?). And I haven't seen a private policy that pays out more than it takes in.
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Most of my employers haven't offered me dental coverage (ironic, isn't it?). And I haven't seen a private policy that pays out more than it takes in.
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Dental insurance: Benefit Limit and 50% co-insurance. Explain?
I have dental insurance which states that for "Routine Dental Treatment" that a "50% Co-insurance applies". There is then "Benefit Limit" of $400. Can some please explain what this means and how the Benefit limit and 50% Co-insurance are related. Thanks!
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They pay $400 or 1/2 of the cost, whichever is less. You pay the rest. For example: a) If you need $600 of care, then they pay $300 and you pay $300. b) If you need $1000 of of care, then they pay $400 and you pay $600.
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They pay $400 or 1/2 of the cost, whichever is less. You pay the rest. For example: a) If you need $600 of care, then they pay $300 and you pay $300. b) If you need $1000 of of care, then they pay $400 and you pay $600.
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I just got a great site for car insurance on here... lets go for dental.?
I now need some affordable dental insurance... please send me a site or two?
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Yes...Melissa. This site is fantastic - many discounts and deals. Individual packages are awesome. Covers pre-exist. conditions. I used this site to acquire my dental insurance. Its great... affordable and covers what i need. Tons of plans to choose from. Check it out - good luck. http://www.dentalplans.com/afftracker.asp?affid=36337
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Yes...Melissa. This site is fantastic - many discounts and deals. Individual packages are awesome. Covers pre-exist. conditions. I used this site to acquire my dental insurance. Its great... affordable and covers what i need. Tons of plans to choose from. Check it out - good luck. http://www.dentalplans.com/afftracker.asp?affid=36337
Source
How do i get my insurance to pay for dental implants?
I got a couple of teeth pulled months ago. Now my other teeth are starting to get worse its hard to chew cause its either cold or it just hurts to chew. And my gums are starting to bleed! Not to mention I kind of have a lisp when I talk now :( And I'm good at brushing my teeth but when I was a kid I wasn't and my parents never took me to the dentist!
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As the previous answer says, most insurance plans specifically exclude implants. It's kind of stupid, since implants are the best treatment. But it's also understandable, because they are so expensive. Of course, there is an alternative to implants, which is a bridge (either temporary or permanent). Most insurance companies WILL pay for a bridge, at least partly. Ask your dentist about whether a bridge would work for you. They are unnoticeable, and the permanent ones will last for decades. Having a permanent bridge is not at all like having false teeth. But if your gums are bleeding and you are having trouble chewing, you may have other problems beside the missing teeth. You need to get back to the dentist and have him look at your mouth. It sounds like you could be having gum disease problems, and you need to clear that up before you think about implants, a bridge, or anything else. I would not wait on this. These kinds of problems get worse rather than better if left on their own. Good luck!!
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As the previous answer says, most insurance plans specifically exclude implants. It's kind of stupid, since implants are the best treatment. But it's also understandable, because they are so expensive. Of course, there is an alternative to implants, which is a bridge (either temporary or permanent). Most insurance companies WILL pay for a bridge, at least partly. Ask your dentist about whether a bridge would work for you. They are unnoticeable, and the permanent ones will last for decades. Having a permanent bridge is not at all like having false teeth. But if your gums are bleeding and you are having trouble chewing, you may have other problems beside the missing teeth. You need to get back to the dentist and have him look at your mouth. It sounds like you could be having gum disease problems, and you need to clear that up before you think about implants, a bridge, or anything else. I would not wait on this. These kinds of problems get worse rather than better if left on their own. Good luck!!
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how can I get Dental Insurance?
Hi, I'm on SSDI - and I have Medicare and Wisconsin Hirsp - a high risk state program, and neither covers any dental work for me, and I've been paying for everything out of my pocket and I've spent a small fortune on dental work. What other coverage can I get. I don't have a lot of income - but I think it will be worth it to try to get coverage. I'm in Wisconsin. thanks
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You have three options with dental. Insurance - Depending upon the policy: cost $30-$60 per month. $50 deductible, annual maximum of $750 - $1500, 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. 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. 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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You have three options with dental. Insurance - Depending upon the policy: cost $30-$60 per month. $50 deductible, annual maximum of $750 - $1500, 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. 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. 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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what are all the dental insurance names that covers braces?
.......................................i cant find any
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Do you mean what insurance companies provide policies that include braces? Generally, any dental insurance company will cover braces if you pay the premiums on a policy that has that level of coverage. Try Delta Dental. http://www.deltadental.com/Public/index.…
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Do you mean what insurance companies provide policies that include braces? Generally, any dental insurance company will cover braces if you pay the premiums on a policy that has that level of coverage. Try Delta Dental. http://www.deltadental.com/Public/index.…
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Dental Insurance Question?
I don't understand what the "Annual Maximum" in regards to dental insurance means. My annual maximum is 1200. What does this mean for me? My dental insurance will pay for up to 1200? If so, what happens after I reach that? Does that mean I pay for services fully out of pocket?
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health-quotes.isgreat.org - my family have this health insurance. It is affordable and has good coverage for dental issues.
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health-quotes.isgreat.org - my family have this health insurance. It is affordable and has good coverage for dental issues.
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Does anybody know of anybody or any offices in or near polk county fl that will do dental work w/o insurance?
I have no insurance and due to the economy I have been out of work for a little over a year. I suffer from a condition that my mother had where my teeth have weak or no enamel and they are rotting out of my mouth and causing me pain and health issues. Any information will be great thanks.
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Most dental offices accept cash so no insurance should not be a problem.
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Most dental offices accept cash so no insurance should not be a problem.
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I just got a great site for car insurance on here... lets go for dental.?
I now need some affordable dental insurance... please send me a site or two?
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Yes...Melissa. This site is fantastic - many discounts and deals. Individual packages are awesome. Covers pre-exist. conditions. I used this site to acquire my dental insurance. Its great... affordable and covers what i need. Tons of plans to choose from. Check it out - good luck. http://www.dentalplans.com/afftracker.asp?affid=36337
Source
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Yes...Melissa. This site is fantastic - many discounts and deals. Individual packages are awesome. Covers pre-exist. conditions. I used this site to acquire my dental insurance. Its great... affordable and covers what i need. Tons of plans to choose from. Check it out - good luck. http://www.dentalplans.com/afftracker.asp?affid=36337
Source
How do i get my insurance to pay for dental implants?
I got a couple of teeth pulled months ago. Now my other teeth are starting to get worse its hard to chew cause its either cold or it just hurts to chew. And my gums are starting to bleed! Not to mention I kind of have a lisp when I talk now :( And I'm good at brushing my teeth but when I was a kid I wasn't and my parents never took me to the dentist!
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As the previous answer says, most insurance plans specifically exclude implants. It's kind of stupid, since implants are the best treatment. But it's also understandable, because they are so expensive. Of course, there is an alternative to implants, which is a bridge (either temporary or permanent). Most insurance companies WILL pay for a bridge, at least partly. Ask your dentist about whether a bridge would work for you. They are unnoticeable, and the permanent ones will last for decades. Having a permanent bridge is not at all like having false teeth. But if your gums are bleeding and you are having trouble chewing, you may have other problems beside the missing teeth. You need to get back to the dentist and have him look at your mouth. It sounds like you could be having gum disease problems, and you need to clear that up before you think about implants, a bridge, or anything else. I would not wait on this. These kinds of problems get worse rather than better if left on their own. Good luck!!
Source
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As the previous answer says, most insurance plans specifically exclude implants. It's kind of stupid, since implants are the best treatment. But it's also understandable, because they are so expensive. Of course, there is an alternative to implants, which is a bridge (either temporary or permanent). Most insurance companies WILL pay for a bridge, at least partly. Ask your dentist about whether a bridge would work for you. They are unnoticeable, and the permanent ones will last for decades. Having a permanent bridge is not at all like having false teeth. But if your gums are bleeding and you are having trouble chewing, you may have other problems beside the missing teeth. You need to get back to the dentist and have him look at your mouth. It sounds like you could be having gum disease problems, and you need to clear that up before you think about implants, a bridge, or anything else. I would not wait on this. These kinds of problems get worse rather than better if left on their own. Good luck!!
Source
what are all the dental insurance names that covers braces?
.......................................i cant find any
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Do you mean what insurance companies provide policies that include braces? Generally, any dental insurance company will cover braces if you pay the premiums on a policy that has that level of coverage. Try Delta Dental. http://www.deltadental.com/Public/index.…
Source
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Do you mean what insurance companies provide policies that include braces? Generally, any dental insurance company will cover braces if you pay the premiums on a policy that has that level of coverage. Try Delta Dental. http://www.deltadental.com/Public/index.…
Source
Dental Insurance Question?
I don't understand what the "Annual Maximum" in regards to dental insurance means. My annual maximum is 1200. What does this mean for me? My dental insurance will pay for up to 1200? If so, what happens after I reach that? Does that mean I pay for services fully out of pocket?
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health-quotes.isgreat.org - my family have this health insurance. It is affordable and has good coverage for dental issues.
Source
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health-quotes.isgreat.org - my family have this health insurance. It is affordable and has good coverage for dental issues.
Source
Does anybody know of anybody or any offices in or near polk county fl that will do dental work w/o insurance?
I have no insurance and due to the economy I have been out of work for a little over a year. I suffer from a condition that my mother had where my teeth have weak or no enamel and they are rotting out of my mouth and causing me pain and health issues. Any information will be great thanks.
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Most dental offices accept cash so no insurance should not be a problem.
Source
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Most dental offices accept cash so no insurance should not be a problem.
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dental school around grand rapids,mi or good dental insurance plan?
my boyfriends does not have dental insurance and has moderate too severe gum disease, I was wondering if there is a dental school around grand rapids,mi that would do the work for a discounted price? I tried looking up one on google but no results. Or does anyone know of a good dental plan that would cover prcedures for severe gum disease with out a waiting period? i know if we dont get it fixed soon he will loose his teeth, thanks.
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The dental schools in your area are University of Michigan (Ann Arbor,) Detroit Mercy University (Detroit,) University of Illinois Chicago (Chicago,) and Marquette University (Milwaukee.) Dental schools are cheaper than private practice, but do take longer. I hope one of these are convenient for you.
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The dental schools in your area are University of Michigan (Ann Arbor,) Detroit Mercy University (Detroit,) University of Illinois Chicago (Chicago,) and Marquette University (Milwaukee.) Dental schools are cheaper than private practice, but do take longer. I hope one of these are convenient for you.
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Rough estimate of Health/Dental Insurance Cost of family of four?
I am considering taking a position with a firm that currently does not offer health insurance. I will ofcoarse seek professional help to get a better number, I just wanted to see what sort of range I will be looking at. I live in Texas and both my wife and I are in our late 20s and have two one year olds. Thanks
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Try this site http://www.usainsurancequotes.net/ Here you can compare quotes from different companies
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Try this site http://www.usainsurancequotes.net/ Here you can compare quotes from different companies
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Rough estimate of Health/Dental Insurance Cost of family of four?
I am considering taking a position with a firm that currently does not offer health insurance. I will ofcoarse seek professional help to get a better number, I just wanted to see what sort of range I will be looking at. I live in Texas and both my wife and I are in our late 20s and have two one year olds. Thanks
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First, do not get the discount plan mentioned in the first answer. Even if you get a discount plan, you will still need to get insurance, and there is no reason to get both. Getting both will cost more than just getting insurance, and offers no advantage. Getting only the discount plan would leave you uninsured and could cost you more than getting nothing. Using arbitrary dates of birth within the age ranges you mentioned, and using an arbitrary Houston ZIP code for you address, http://ehealthinsurance.com said that you had over 100 options for health insurance, ranging in price from $138 per month for BlueCross BlueShield of Texas Foundation Hospital Care Plan I (Hospital Only Plan) to $1325.02 per month for UnitedHealthOne Copay Select 80 - 500. I did not check dental prices, but they are usually much less than health insurance.
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First, do not get the discount plan mentioned in the first answer. Even if you get a discount plan, you will still need to get insurance, and there is no reason to get both. Getting both will cost more than just getting insurance, and offers no advantage. Getting only the discount plan would leave you uninsured and could cost you more than getting nothing. Using arbitrary dates of birth within the age ranges you mentioned, and using an arbitrary Houston ZIP code for you address, http://ehealthinsurance.com said that you had over 100 options for health insurance, ranging in price from $138 per month for BlueCross BlueShield of Texas Foundation Hospital Care Plan I (Hospital Only Plan) to $1325.02 per month for UnitedHealthOne Copay Select 80 - 500. I did not check dental prices, but they are usually much less than health insurance.
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what is best dental insurance?
please help me i have never had insursance before and im trying to get one dental. my mouth is in so much pain and i cant affored to pay the whole thing lol what kind of insurance should i get? i can pay the insurance with no problem if an annual fee is $2.000.00 thats no problem for me i will thank anyone that can help me
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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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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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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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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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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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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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How can I go get a dental check up without insurance.?
I have a white patch on my gum that im worried about and need to see a dentist asap but have know insurance, can someone please lead me in the right direction.
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People are so negative, but believe it or not there are many federally funded health centers care for you, even if you have no health insurance. You pay what you can afford, based on your income. Health Centers provide health and dental care to people of all ages, whether or not they have health insurance or the money to pay for health care. See: http://findahealthcenter.hrsa.gov/ and also http://hab.hrsa.gov/programs/dentallist.… and more free or low cost dental care: http://www.nidcr.nih.gov you will find some 30 more such sites at http://www.simplyinsurancequotes.com/lin…
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People are so negative, but believe it or not there are many federally funded health centers care for you, even if you have no health insurance. You pay what you can afford, based on your income. Health Centers provide health and dental care to people of all ages, whether or not they have health insurance or the money to pay for health care. See: http://findahealthcenter.hrsa.gov/ and also http://hab.hrsa.gov/programs/dentallist.… and more free or low cost dental care: http://www.nidcr.nih.gov you will find some 30 more such sites at http://www.simplyinsurancequotes.com/lin…
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Dental insurance for braces?
I am a 20 year who needs braces really bad and want to know what dental insurance would cover the best?
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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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