Tuesday, May 24, 2011

I need your help!!!!!! Dental Insurance ?

Hi, I need to get braces but I do not have any insurance, I want to get insurance as soon as possible because the braces are going to cost me $4800. I would like to know if anyone could recommend an insurance, I live in CA I will appreciate any help.
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Here is the thing, if you get insurance, most have waiting periods and then you will have to wait 6mo to a year to get the coverage for ortho. Also if you poay for insurance you are paying a monthly fee, and still the insurance company only pays up to $1000 - $1500, anyway so you will still have a decent part of that amount to pay. You would end up paying about hte same out of pocket, especially since you will have to pay the total premium yourself. What you could do is get a discount program fro dental like this one at www.myhealthbenefits.com/nicolec and at least you could save on your out of pocket costs. The discount plan is only $14.99 for an individual/$19.99 for family, and comes with the dental plus, vision, chiro, and prescription discount plans. I checked the book there are a lot in CA, that participate with this, maybe your dentist already does. Good Luck!
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