Does anybody know an inexpensive yet good dental insurance in Northern CA? I am on a tight budget. The cheapest one I saw is Deltacare for $97/year but I don't know if it's any good. Help please. Thanks!
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The problem with getting dental insurance on your own rather than as part of a group is that you're going to pay through the nose (or should I say, pay through the mouth!). I've been selling dental coverage for over seven years now and in my unbiased opinion, most private dental insurance policies are not worth the money they charge If you are intent on getting traditional dental insurance, I would strongly suggest you call up a reputable insurance agent and ask them for their help in finding you good dental insurance. However, you might consider the option of joining a "discount dental plan" which can cost as little as $7 or $8 per month. These are not actual insurance plans but rather like shopper's clubs (i.e. Costco, Sam's Club, etc.) where members receive substantial discounts (on average 33%) on all dental work providing they go to a dentist that accepts that plan. If all else fails, contact the California Dental Health Society and see if they can give you any advice. They are in the phonebook.
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Sunday, January 2, 2011
In the national guard and have a problem with my dental insurance?
I am in the national guard and am enrolled with tri-carte united concoria dental insurance. I enrolled about 2 months ago and paid my initial monthly payment. Problem is that it has been 2 months and I am yet to get a bill in the mail. I understand that there is a 12 month obligation when having this dental insurance. What are the possibilities of missing a monthly payment? Am I permenently shut out from this insurance, or can I pay the back payment and continue my coverage? Also, does tri care concordia often mail out bills for there monthly payment, or do they only do paperless? Thank you
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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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What is a affordable health insurance that covers DENTAL?
or at least some of the cost?
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Most likely your most affordable, best coverage plan will be one that an employer offers. If this is not an option for you, an alternative to health insurance would be a discount health and/or dental plan. I only have personal experience with Ameriplan, but I have located a website with information about other discount health plans. I will list both below as sources. A discount health plan often has more affordable monthly premiums than health insurance.
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Most likely your most affordable, best coverage plan will be one that an employer offers. If this is not an option for you, an alternative to health insurance would be a discount health and/or dental plan. I only have personal experience with Ameriplan, but I have located a website with information about other discount health plans. I will list both below as sources. A discount health plan often has more affordable monthly premiums than health insurance.
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Can someone take a look at my dental insurance, I have a question about it?
Please review your plan documents for full details, including exclusions, limitations and state mandates that might affect your benefits. Please be aware Deductibles and Maximums apply to both the In-Network and Out-of-Network Benefits. Deductibles In-Network Out-of-Network Individual Calendar Year Deductible Basic & Major Restorative, Orthodontic $50.00 $50.00 Family Calendar Year Deductible Basic & Major Restorative, Orthodontic $150.00 $150.00 Maximums In-Network Out-of-Network Individual Calendar Year Maximum Diagnostic & Preventive, Basic & Major Restorative $1,000.00 $1,000.00 Individual Lifetime Maximum Orthodontic $1,000.00 $1,000.00 Member's Coinsurance Percents In-Network Out-of-Network Reimbursement: Fee Schedule Reasonable and Customary Basic Restorative 20 % 20 % Diagnostic & Preventive 0 % * 0 % * Major Restorative 50 % 50 % Orthodontic 50 % 50 % * Fields that display zero as the Member's Coinsurance Percent indicate that CIGNA covers this service at 100%. Frequency and Age Limitations Specific Coverage Information In-Network Out-Of-Network Dependent Age Limitation 19 19 Student Age Limitation 25 25 Date Coverage Ends Birth Month Birth Month Procedure In-Network Frequency/ Age Limit Out-of-Network Frequency/ Age Limit Oral Exam Twice per Calendar Year Twice per Calendar Year Full Mouth X-Rays Once per 36 Consecutive Months Once per 36 Consecutive Months Adult Cleaning Twice per Calendar Year Twice per Calendar Year Child Fluoride Once per Calendar Year / Under Age 19 Once per Calendar Year / Under Age 19 Topical Sealant Application Once per 36 Consecutive Months / Under Age 14 Once per 36 Consecutive Months / Under Age 14 Crown Once per 60 Consecutive Months Once per 60 Consecutive Months Bridge Work Once per 60 Consecutive Months Once per 60 Consecutive Months Orthodontics Coverage for Dependent Children Coverage for Dependent Children Now my question is....see where it says "frequency and age limitations"? where it says something about being 25? I turned 25 on september 2nd, can I not use this insurance anymore for myself, its dental insurance through my employer so it wasnt explained very well, or can I use it maybe until right before I turn 26, meaning can I use it while I'm 25 or did it end as soon as I turned 25?
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Student limitation is most likely towards any dependants that you have on your coverage - not you as the policy holder.
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Student limitation is most likely towards any dependants that you have on your coverage - not you as the policy holder.
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What are dental options for the uninsured?
I make pretty good money, but my company doesn't have dental insurance and I don't really want to drop $1000 for a crown. Are there any options for those who don't have dental insurance but don't qualify for medicaid or other low-income places?
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I really have a problem with the way our government is handling the medical problems of it's citizens. I don't have dental coverage either, and believe me after having to shell out seven hundred dollars for two teeth to be removed plus anesthesia I was mortified. You at least have a job. I don't because I'm on disability (no prescription cov either). What are people like us supposed to do? I guess we have two choices. Let your teeth decay, and fall out or go to a private dentist, and pay up the nose. In your case because you are employed, and make a good salary you should be able to pay on a payment plan with your dentist because they do have them. Why not try to find out if they have a dental college in your area? If they do I would take a chance depending on the severity of your problem. I think it would be less expensive than a private dentist.
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I really have a problem with the way our government is handling the medical problems of it's citizens. I don't have dental coverage either, and believe me after having to shell out seven hundred dollars for two teeth to be removed plus anesthesia I was mortified. You at least have a job. I don't because I'm on disability (no prescription cov either). What are people like us supposed to do? I guess we have two choices. Let your teeth decay, and fall out or go to a private dentist, and pay up the nose. In your case because you are employed, and make a good salary you should be able to pay on a payment plan with your dentist because they do have them. Why not try to find out if they have a dental college in your area? If they do I would take a chance depending on the severity of your problem. I think it would be less expensive than a private dentist.
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Pre-existing condition / Diabetes for Group Health/Dental Insurance?
The last time I saw my doctor for my Type 2 diabetes in the U.S. was in August, 2003. I went overseas soon after that and didn't come back until recently (I didn't have coverage during this whole time). I just got a job which offers group health insurance, does my diabetes counts as pre-existing condition. (I'm choosing a BCBS PPO plan), and can they impose exclusion period? I live in Pennsylvania, and according to my research, Group health plans in PA can count as pre-existing conditions only those for which you actually received (or were recommended to receive) a diagnosis, treatment or medical advice within the 6 months immediately before you joined that plan. So it appears to be that I should have no problem if I go to see my doctor for my diabetes right after my policy become effective on Jan. 1st, 2008, right? I want to make sure. Similarly, I had dental surgery for gum problems in 2002, will my group dental plan look back 6 month only? Thanks for your answer
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If you have diabetes you've had "treatment" for the past 6 months, even if it was just diet to control your blood sugar. So yes, the insurance company will consider that a pre-existing condition. Also, if you have any type of health condition, even if you haven't had any treatment, it is still considered a pre-existing condition. However, it also depends upon the BCBS group plan. Group plans can be tailored in any way (unless it's contrary to state law) so the only way to know is to contact the insurance company or your company HR department.
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If you have diabetes you've had "treatment" for the past 6 months, even if it was just diet to control your blood sugar. So yes, the insurance company will consider that a pre-existing condition. Also, if you have any type of health condition, even if you haven't had any treatment, it is still considered a pre-existing condition. However, it also depends upon the BCBS group plan. Group plans can be tailored in any way (unless it's contrary to state law) so the only way to know is to contact the insurance company or your company HR department.
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I am unemployed and need dental insurance to get 2 root canals & 2 crowns. Help!?
I do not qualify for medicaid or family health plus. I have to pay for 2 root canals ($1400), 2 crowns($2000), 1 tooth extraction ($200) and cost of adult orthodontic treatment ($7000)!!! I am looking for private dental insurance but am having a very hard time finding... anyone can suggest any or other ieas to help me in this situation? I live in New York City... am 25 year old woman, single no kids, receive unemployment benefits after lay-off.
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Hello, 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 of dollars on all services. From extractions, crowns, Cleanings, root canals, exams, xrays, cleanings, fillings...etc. Even my braces and cosmetic surgery 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. Good luck and hope this helps you out.
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Hello, 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 of dollars on all services. From extractions, crowns, Cleanings, root canals, exams, xrays, cleanings, fillings...etc. Even my braces and cosmetic surgery 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. Good luck and hope this helps you out.
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I am in the reserves and i just got the dental insurance provided for us.?
I am in the reserves and i just gopt the dental insurance provided for us. I need to get my wisdon teeth? pulled and i see they dont cover most of anything? im actually unsure of what tehy pay for. has anyone has their wisdom teeth pulled?if i do it in a active duty base will i still ahve to pay teh same way?
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Easy answer question,no.Not solvable question,no.Browse this information,your answer may be here http://www.InsuranceFreeTip.info/insurance-for-free.htm
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Easy answer question,no.Not solvable question,no.Browse this information,your answer may be here http://www.InsuranceFreeTip.info/insurance-for-free.htm
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Does buying "health insurance" cover both medical and dental?
Or would you have to get 2 different insurances, one for medical and the other for dental? If you can provide links and sources please. Thank you.
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This depends on what plan you get. Some plans are just medical while others come with both and sometimes you can choose to add dental or not. When talking with the insurance agent ask thorough questions about what is covered in the dental insurance (whether it's included or not), some can be really good deals others can cover barely anything. Usually health insurance plans with low premiums and high deductibles cover very little when it comes to dental OR don't have dental at all. Blue Cross Blue Shield however is a good deal in my opinion.
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This depends on what plan you get. Some plans are just medical while others come with both and sometimes you can choose to add dental or not. When talking with the insurance agent ask thorough questions about what is covered in the dental insurance (whether it's included or not), some can be really good deals others can cover barely anything. Usually health insurance plans with low premiums and high deductibles cover very little when it comes to dental OR don't have dental at all. Blue Cross Blue Shield however is a good deal in my opinion.
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How do I find a dental company that covers adult braces?
I have dental insurance in cobra but it does not cover adult braces. I am looking for a dental ins. that individuals can buy. I also heard there is ortho ins. as well. I have decided to try to buy the ins on my own because most group plans do not cover adult braces. I am not looking for those discount programs. This is a really hard topic to find on the internet! Any help would be appreciated.
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Ph a broker, and ask them to find one for you or simply phone a few insurance companies
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Ph a broker, and ask them to find one for you or simply phone a few insurance companies
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Dental Insurance Threw The State?
I currently don't have a job or insurance. I am currently looking so no comments please. I have a cavity and its really starting to affect me. Im getting headaches from it and can barely eat anything. Is there anyways I can get like insurance or something from the state? I'm in washington state in king county.
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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 it possible to get a bank loan to pay for dental work?
I need a lot of dental work and im sure i am going to be looking at a hefty bill.Probably between 3 to 6 grand.Which i do not have.sure i do have a good job and i do have dental insurance but it isn't that good.
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You would have to apply for an unsecured personal loan. There are no "dental loans" per se. An alternative might be to work out a payment plan with the dentist. Another alternative, if your condition permits, is to stretch out the work over multiple years - that might result in your insurance picking up a larger total. Remember that most dental plans have annual ceilings on payments.
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You would have to apply for an unsecured personal loan. There are no "dental loans" per se. An alternative might be to work out a payment plan with the dentist. Another alternative, if your condition permits, is to stretch out the work over multiple years - that might result in your insurance picking up a larger total. Remember that most dental plans have annual ceilings on payments.
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A question about my teeth? im in a LOT of pain and dont have dental insurance?
well to put it strait i cringe when i think of candy. i am a 13 year old girl who has an EXTREMELY BAD ADDICTION to candy.i LOVE IT SO MUCH! well since easter of april 09 wen i put a peice of candy into my mouth it kills so bad i want too cry! i have had dentaphobia all my life and now im just sick of the tooth pains. i want candy again and oreos hurt my teeth too. i miss all these foods so i want to see a dentist ... but my dad has harvard pilgrim insurance and only covers children 11 and younger for dental insurance. i tried to tell my dad but hes all like *mhm uh huh yupp...* and says i probably have a cold and i KNOW i dont. mass health insurance covers dental but if he makes over 45000 a year we cant have it and he does make over that amount. so we have to flat out pay it, HOW DO I GET TO THE DENTIST!!!!!!!
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if you are looking to find a dentist with lower fees, try dental school around where you live. also can you add more detail about the pain you are experiencing now? does it hurt when you chew?is it only one tooth or more than one? is it sensitive to coldt? does it keep you awake at night? more detail, better. Have that check out by a dentist. Ask your dad if you can at least just see a dentist to be sure about this. you can get a consultation for cheaper price just to see what is going on with the tooth and then decide if you want to pay more to fix it. There are alway cheaper price dental clinics around especially for kids. also dental schools have lower fee with great services. Good Luck.
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if you are looking to find a dentist with lower fees, try dental school around where you live. also can you add more detail about the pain you are experiencing now? does it hurt when you chew?is it only one tooth or more than one? is it sensitive to coldt? does it keep you awake at night? more detail, better. Have that check out by a dentist. Ask your dad if you can at least just see a dentist to be sure about this. you can get a consultation for cheaper price just to see what is going on with the tooth and then decide if you want to pay more to fix it. There are alway cheaper price dental clinics around especially for kids. also dental schools have lower fee with great services. Good Luck.
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Where can I find a good dental plan for myself?
I am currently a full time student who works part time. Unfortunately, working part time does not give me health benefits including vision and dental. However, my school covers me for health and vision but not dental. Where can I get affordable dental insurance?
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I don't have dental insurance, but I have a discount plan. The website where you can check providers in your area and sign up is http://www.HealthPlans4U.info
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I don't have dental insurance, but I have a discount plan. The website where you can check providers in your area and sign up is http://www.HealthPlans4U.info
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Is there anyone who could help me with my dental problems. I have no insurance and am a member of the VA, They?
I need a denture and a partial and a couple of fillings. I live on s,s, only.I could pay 100.00 a month.
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Richard have you checked with a VA hospital? Many of them have dental services offered free of charge for vets. Good luck.
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Richard have you checked with a VA hospital? Many of them have dental services offered free of charge for vets. Good luck.
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whats the difference in dental plan and dental insurance? which is better and why?
self employeed and living in louisiana
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A dental plan sells you a list. They don't PAY anything. They don't COVER anything. Allegedly, the providers on the list will give you a "discount" on services rendered, but if they won't, you don't get your money back from the "plan". Dental insurance COVERS you. They PAY, a limited amount. I haven't seen a private dental insurance policy that pays out more than it takes in. When I did NOT have access to group dental insurance, and I "ran the numbers", I was better off paying out of pocket.
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A dental plan sells you a list. They don't PAY anything. They don't COVER anything. Allegedly, the providers on the list will give you a "discount" on services rendered, but if they won't, you don't get your money back from the "plan". Dental insurance COVERS you. They PAY, a limited amount. I haven't seen a private dental insurance policy that pays out more than it takes in. When I did NOT have access to group dental insurance, and I "ran the numbers", I was better off paying out of pocket.
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i need to get a root canal soon, i need dental insurance..please help!?
i just went to the dentist today, doctor says i need root canal, it is going to be $500 for that and $550 for the crown that i also have to have, plus some other expenses (i have some cavities) i don't have insurance, but i just found this website (also heard about it on TV) www.dentalplans.com there are a bunch of different plans and it says that its a yearly fee of like $104, and there are different plans and different prices. I just want to know if it is legitimate. Has anyone done this before? The insurance that my husbands job offers is way too expensive, so we aren't going with them. Also this website says its effective immediately or in a day or 2. Please let me know. My dad is giving me $1500 for the dental work, and there is a lot of work to be done. i also have to get all 4 wisdom teeth removed and thats $200 each. From what i've seen this website looks like it saves you a lot of money. i don't want to make a mistake by signing up though, please help!
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the plans that are listed on that site are not dental insurance; they are discount plans. Aetena is a reputable company; and offers all forms of health and dental insurance. I'm not certain about all of the others. The important thing with dentists is that a lot do not accept discount plans. First check with your dentist to see if they accept any. It's fairly uncommon that dentists do take the discount plans.
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the plans that are listed on that site are not dental insurance; they are discount plans. Aetena is a reputable company; and offers all forms of health and dental insurance. I'm not certain about all of the others. The important thing with dentists is that a lot do not accept discount plans. First check with your dentist to see if they accept any. It's fairly uncommon that dentists do take the discount plans.
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How long does it usually take for my insurance company to reimburse the dentist?
I had a root canal done last week that cost $916. I have dental insurance but the dentist wants me to pay now and then he said he'd sign the insurance check over to me once he receives it. I was just wondering how long it takes the insurance company to issue a check.
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It usually takes about 2-4 weeks after the claim is filed for the dental office to receive insurance payment. However, if the insurance requests additional information (ie. x-rays, narrative) from the dentist, it may take longer depending on the response time. You should receive a copy of the insurance explanation of benefits (EOB) a few days before the dentist receives their copy. You can also call your insurance to check on the status of the claim to know if its currently or already been processed. If the insurance tells you it's pending additional information from the dentist, you can call your dental office and let them know to hopefully expedite the process. Hope this helps.
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It usually takes about 2-4 weeks after the claim is filed for the dental office to receive insurance payment. However, if the insurance requests additional information (ie. x-rays, narrative) from the dentist, it may take longer depending on the response time. You should receive a copy of the insurance explanation of benefits (EOB) a few days before the dentist receives their copy. You can also call your insurance to check on the status of the claim to know if its currently or already been processed. If the insurance tells you it's pending additional information from the dentist, you can call your dental office and let them know to hopefully expedite the process. Hope this helps.
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I need to purchase medical/dental/vision insurance for myself, please help!?
I would like to spend under 100 bucks per month. I know this will get me be the bare minimum, but oh well. I am currently employed as an independent contractor.
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I have very good luck with a discount medical plan that covers chiropractic, medical, dental, vision and prescription. It is only $19.99 per month. Actually what I used to pay for insurance including co-pays and deductibles, I am better off with the discount thing. They even have a hospital advocacy program. Here is the link for it http://www.mybenefitsplus.com/cmcdowell Hope it helps! Good Luck.
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I have very good luck with a discount medical plan that covers chiropractic, medical, dental, vision and prescription. It is only $19.99 per month. Actually what I used to pay for insurance including co-pays and deductibles, I am better off with the discount thing. They even have a hospital advocacy program. Here is the link for it http://www.mybenefitsplus.com/cmcdowell Hope it helps! Good Luck.
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How does the Dental Care System work in Europe?
I know here in America we've heard talk that in a lot of the European countries, your medicine is "socialized" and government-funded. But I was wondering if you could tell me something about your dental care system; is that government-funded too? Or do you have to get private dental insurance (like here in the US) to get covered? Also, if you could tell us which European nation you live in, I'd appreciate it.
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Each country has its own dental system, so it really does depend on the country. I'll answer for the countries I've lived in. UK - You can go to a NHS dentist (socialised) or a private one. The prices are fixed for the NHS dentists, and very affordable. There is a price cap on the amount that can be charged within a small time period. Emergency dentistry is even cheaper. One major problem though, it's nearly impossible to find a dentist accepting new patients on the NHS, so most people are stuck with private (or just don't go). Private prices are easily 2-3x the cost on the NHS. Sweden/Norway - Partly socialised in Sweden, not in Norway, but people don't have any insurance coverage for it either. It's something people tend to pay full price for, and it can be incredibly expensive. Even with the discounts in Sweden, it's expensive. It's free up to age 20 though, and to pensioners (in Sweden). It's fairly common to take dental holidays to a cheaper country to get dental work done. The entire trip can work out to be less expensive than the procedure done locally. There was a news article a few years back that said Estonian and Polish dentists were learning Swedish in order to attract more "tourists".
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Each country has its own dental system, so it really does depend on the country. I'll answer for the countries I've lived in. UK - You can go to a NHS dentist (socialised) or a private one. The prices are fixed for the NHS dentists, and very affordable. There is a price cap on the amount that can be charged within a small time period. Emergency dentistry is even cheaper. One major problem though, it's nearly impossible to find a dentist accepting new patients on the NHS, so most people are stuck with private (or just don't go). Private prices are easily 2-3x the cost on the NHS. Sweden/Norway - Partly socialised in Sweden, not in Norway, but people don't have any insurance coverage for it either. It's something people tend to pay full price for, and it can be incredibly expensive. Even with the discounts in Sweden, it's expensive. It's free up to age 20 though, and to pensioners (in Sweden). It's fairly common to take dental holidays to a cheaper country to get dental work done. The entire trip can work out to be less expensive than the procedure done locally. There was a news article a few years back that said Estonian and Polish dentists were learning Swedish in order to attract more "tourists".
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I need my wisdom teeth out, but have no dental insurance..ideas?
I'm 25 and my wisdom teeth are finally coming in, my back one feels like it's cutting my cheek constantly, and it's pushing against my molar, making it ache. I have health insurance (with a SUPER high deductable) but no dental insurance. I'm in debt up to my eyeballs from a major surgery last year, and just don't know what to do. Any ideas??
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Look around for free health clinics or free health care programs. I didn't have dental insurance either and I did that and had them removed and only paid 30 dollars for xrays and I heard the cost is about $1000 for all four! Also the dentists are willing to work out a payment option if you do not have insurance.
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Look around for free health clinics or free health care programs. I didn't have dental insurance either and I did that and had them removed and only paid 30 dollars for xrays and I heard the cost is about $1000 for all four! Also the dentists are willing to work out a payment option if you do not have insurance.
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Would you go to a top college's dental school if you didn't have dental insurance?
I don't currently have dental insurance, but I just basically need to have my yearly teeth cleaning and make sure I don't have any cavaties. I am 28 and just had my first cavity (in my wisdom tooth though which they want to just remove, I wouldn't let them) so I have really good teeth. It's the University of Michigan dental school, would you trust them if they were just going to be doing basic stuff like cleaning, checking for cavaties, maybe (but probably not) a simple filling at the most? I am a little nervous but I cannot really afford the $500 per filling from my regular super upscale dentist. He's the best but his prices are crazy and with no insurance 2 fillings could be very pricey!
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Oh yeah. I've been going to New York University for all my dental work for years because of major money issues. I have serious dental problems and have been told I have the teeth of someone twice my age (I'm 31). I've had all sorts of procedures done at NYU including root canals. The only thing about dental schools is that the procedures take longer. Not only do they work slower but they constantly need the supervisor/instructor (a 'real' dentist) who is there to come over, check the work and give pointers. The students know what they are doing but the work still needs to be checked. It can get annoying because there may be 50 students on the floor and only a handful of supervisors. You could end up sitting there for 20 minutes, staring at the wall, waiting for the supervisor to get a chance to look at you. The students have to do a lot of paperwork. Nothing can be done without a signature from a supervisor. Basically, something that would have taken about 45 minutes at my old dentist could take up to 2 hours at NYU. More complex procedures may require multiple appointments. Oh, and you really HAVE to be on time for your appointment. Even showing up 10 minutes late can be a problem. They run on a particular schedule there and appointments can only be made for certain 2 hour time slots. Seems like it's one patient per time slot even if it's a quick procedure. Your student dentist will lose their chair to another student if you're not on time and there will be no where to sit. Sometimes, it can be weeks before you can get another appointment. At least that's how it works at NYU.
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Oh yeah. I've been going to New York University for all my dental work for years because of major money issues. I have serious dental problems and have been told I have the teeth of someone twice my age (I'm 31). I've had all sorts of procedures done at NYU including root canals. The only thing about dental schools is that the procedures take longer. Not only do they work slower but they constantly need the supervisor/instructor (a 'real' dentist) who is there to come over, check the work and give pointers. The students know what they are doing but the work still needs to be checked. It can get annoying because there may be 50 students on the floor and only a handful of supervisors. You could end up sitting there for 20 minutes, staring at the wall, waiting for the supervisor to get a chance to look at you. The students have to do a lot of paperwork. Nothing can be done without a signature from a supervisor. Basically, something that would have taken about 45 minutes at my old dentist could take up to 2 hours at NYU. More complex procedures may require multiple appointments. Oh, and you really HAVE to be on time for your appointment. Even showing up 10 minutes late can be a problem. They run on a particular schedule there and appointments can only be made for certain 2 hour time slots. Seems like it's one patient per time slot even if it's a quick procedure. Your student dentist will lose their chair to another student if you're not on time and there will be no where to sit. Sometimes, it can be weeks before you can get another appointment. At least that's how it works at NYU.
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Need helping choosing a dental insurance plan Aetna DMO or PPO?
I am being offered two options at work for dental insurance. Aetna DMO and Aetna PPO The DMO will be $24 a month for the family, while the PPO will be around $56 In terms of benefits, the DMO is better, there is no deductible, no annual maximum, and most services are covered at either 100 , 90 or 80% The PPO plan has a $150 family deductible, and $2500 annual maximum per person. Services are covered at 100/80/60% depending on the type. On the surface it seems the DMO is the logical choice, however, much like an HMO there are downsides. The number of dentists available in my zip code for the DMO is 3, compared to the PPO which has 28. The DMO does not have out of network benefits, while the PPO does. The PPO does not require referrals for specialists, which the DMO does. I am really having a hard time choosing. We don't use dentists that much, we have our cleanings, an occasional cavity, and rarely a root canal. I don't want to simply go with the cheapest option necessarily, so any input would be great! Especially if you have experience with an Aetna PPO/DMO
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This is how I see it. If you are blessed with only 1 cavity in 10 years, choosing Dental HMO is better. Why pay more, when you don't really need too.
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This is how I see it. If you are blessed with only 1 cavity in 10 years, choosing Dental HMO is better. Why pay more, when you don't really need too.
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Does anyone have Delta Dental Insurance?
does delta dental cover every first office visits that you go to? I wanna makes sure b/c I had a cleaning last month & I'm trying to switch to another dentist b/c the one I went to was expensive to get fillings eventhough I had insurance and nobody wants to provide estimates.
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I also have Delta Dental, I believe it has to do with your plan. I do know they only allow cleanings every six months or so. My fillings are covered 100% and i did go to a dentist who tried to charge me his story changed when he found out I knew my coverages. 'Check with your benifits coordinator to see what your coverages are before you go to the new dentist.
Source
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I also have Delta Dental, I believe it has to do with your plan. I do know they only allow cleanings every six months or so. My fillings are covered 100% and i did go to a dentist who tried to charge me his story changed when he found out I knew my coverages. 'Check with your benifits coordinator to see what your coverages are before you go to the new dentist.
Source
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