I pay my dental insurance company far too much money for them to only cover amalgam fillings on the back teeth. Don't they know that they are bad? Shouldn't they have to follow certain health guidlines?
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Resin (composite) fillings are paid for by some insurance companies. The reason some insurance companies will not pay for posterior composite fillings is that evidence shows that these posterior composites do not last as long or hold up as well as the silver (amalgam) restorations. Silver amalgam does contain mercury, however it has been researched extensively to the safety and durability of its use as a restorative material.
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Monday, January 10, 2011
Best medicare insurance for dental ?
I just became disabled and qualify for Medicare I have been comparing plans ie Humana BlueCross and Aetna My question is... What carrier has the best coverage for dental. There are some than now offer dental and curious if anyone has a great Medicare approved Insurance Agent in Utah Many Thanks Ali
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None, phone a broke and a plan can be tailored for you
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None, phone a broke and a plan can be tailored for you
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what insurance do i need for jaw surgery?
medical or dental? i have a really bad underbite and it's killing me not being able to eat well (chewing.) i have basic health and dental insurance from my mom's company. i appreciate your time, thanks.
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It depends on the dental insurance. Some dental insurance often say send the claim to the medical insurance for a major procedure and payment. And then it will go through the dental insurance to see how much they will cover. I would talk to a dentist first and the front office should know what to do. Good luck.
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It depends on the dental insurance. Some dental insurance often say send the claim to the medical insurance for a major procedure and payment. And then it will go through the dental insurance to see how much they will cover. I would talk to a dentist first and the front office should know what to do. Good luck.
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IM looking for a dental insurance that will do fillings..deep cleaning..pull teeth.......?
and what ever need to be done as soon as i start my dental plan.a lot of the ones that i have talked to say that all you can have is your teeth cleaned at first. and you have to wait a year or so before they do anythiing else. i live in virginia. but maryland is ok also.please help thank you so much.
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health-quotes.isgreat.org - try this one. It is affordable and has good coverage for dental issues. As I remember they can provide such a service.
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health-quotes.isgreat.org - try this one. It is affordable and has good coverage for dental issues. As I remember they can provide such a service.
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What's the cheapest way to get dental care?
Since the health insurance that I have doesn't cover dental and I'm not able to afford separate dental insurance, I haven't been to a dentist in three years. Is there is a cheap way to get dental care without getting a cheap dentist that will do a crappy job?
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come to Australia
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come to Australia
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Is this considered preventative dental treatment?
I've worn away some gum at the base of several teeth from brushing too hard; they're kind of deep so my dentist wants to fill them. He said I could have problems from the blood vessels constricting. So is this considered a preventative service? I'm asking b/c I don't have dental insurance but if I get it, preventative services don't have a waiting period. Thanks.
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Nope. Fillings are a basic service. Only x-rays, exams, cleanings, sealants are considered preventative. These are services meant to prevent fillings from needing to be done.
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Nope. Fillings are a basic service. Only x-rays, exams, cleanings, sealants are considered preventative. These are services meant to prevent fillings from needing to be done.
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What are names of major Dental Plans?
I am looking to purchase dental insurance for my family because the one I have now sucks. I am trying to find names of major dental insurance companies to find the best plan for my family. Thanks in advance for your help.
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1. Do not purchase a discount plan because that is exactly what you will get. Not only that, but you'll discover that the doctors that are approved on the discount plans don't give you the service or quality work and care that you want. 2. When looking for benefits that will be covered, make sure that your cleanings and exams are fully paid for. Most all major plans will pay for your entire checkup, but pay attention to what you're allowed with frequency of x-rays. The norm is one set of bitewings per year, and one panoramic/full mouth series every 3-5 years. Besides that, the amount that is usually allowed on crowns and major restorative work is 50%, where your fillings might be covered up to 80% on most plans. 3. I don't know 100% on this part, but it may be difficult to find coverage through a major dental carrier without having your health insurance with them, too. I know where I work, we don't offer dental insurance as a stand-alone product unless you purchase health insurance as well. 4. Some of the best major companies are MetLife, BCBS, Cigna, Aetna, and Humana. Good luck finding a company that meets your needs.
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1. Do not purchase a discount plan because that is exactly what you will get. Not only that, but you'll discover that the doctors that are approved on the discount plans don't give you the service or quality work and care that you want. 2. When looking for benefits that will be covered, make sure that your cleanings and exams are fully paid for. Most all major plans will pay for your entire checkup, but pay attention to what you're allowed with frequency of x-rays. The norm is one set of bitewings per year, and one panoramic/full mouth series every 3-5 years. Besides that, the amount that is usually allowed on crowns and major restorative work is 50%, where your fillings might be covered up to 80% on most plans. 3. I don't know 100% on this part, but it may be difficult to find coverage through a major dental carrier without having your health insurance with them, too. I know where I work, we don't offer dental insurance as a stand-alone product unless you purchase health insurance as well. 4. Some of the best major companies are MetLife, BCBS, Cigna, Aetna, and Humana. Good luck finding a company that meets your needs.
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What does Aetna Dental Insurance Cover?
I live in NJ. I've been looking at ameriplan and other dental insurances or plans. My ortho suggested aetna but i need braces and my wisdom teeth removed. Does anyone know if they cover these to procedures? And if anyone knows a number i can reach Aetna at to ask these questions please tell me that too. Thanx :)
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health-quotes.isgreat.org - I switched to this health insurance from them, cause it gives much cheaper rates for m?.
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health-quotes.isgreat.org - I switched to this health insurance from them, cause it gives much cheaper rates for m?.
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Help with dental insurance?
I need to have a tooth pulled and I dont have insurance. What's the best way to pay for this?
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I would encourage you to visit this great website: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago when I was in college and they have saved me thousands of dollars on all services over the years.. From extractions, root canals, xrays, fillings, exams..etc. Even my braces had very good coverage. They even had my affordable plan active in 2 hours and was able to use them the very same day. Hope this helps
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I would encourage you to visit this great website: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago when I was in college and they have saved me thousands of dollars on all services over the years.. From extractions, root canals, xrays, fillings, exams..etc. Even my braces had very good coverage. They even had my affordable plan active in 2 hours and was able to use them the very same day. Hope this helps
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My question involves dental insurance coverage and pre-authorization.?
For example. Say I have coverage through my employer. I go to a dentist for a root canal and ask whether or not my insurance is accepted. I am then told that it is accepted. The work is performed and later I receive a bill for services. I contact the dentist who says there was a problem with your insurance. So I guess my question is, what obligation does the provider have to verify coverage? Is there any recourse after one has relied on a representation that a cetain procedure was covered and it is later discovered that it was not?
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Unfortunately it is always the responsibility of the patient to be aware of their dental coverage. It should be outlined in the patient's handbook. The provider only has contracting discounts that the are obligated to take. But if a service is not covered there is not obligation to the provider. Even when a service is pre authorized it states that it is only an estimate and is never a guaranty of coverage. Remember there is a difference between "accepting" and insurance plan and coverage verification. Individual services are usually covered at a percent that is set by the employer. A patient is still liable for a difference in the insurance's usual and customary fee and the provider's fee, plus any deductible remaining, in addition to that percent set by the employer. It is possible for a patient to be liable between 30 - 50% of the actual cost of a root canal with an accepted insurance. I manage an endodontic practice, here I always tell them that we accept most insurances though we are only in network and contracted with a few. Even though we accept most insurances this only mean we will accept any payment they make. But say the insurance doesn't respond, We bill the patient. We also state the we only file claims to insurances as a courtesy but again we are not obligated to. I hope this info helps.
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Unfortunately it is always the responsibility of the patient to be aware of their dental coverage. It should be outlined in the patient's handbook. The provider only has contracting discounts that the are obligated to take. But if a service is not covered there is not obligation to the provider. Even when a service is pre authorized it states that it is only an estimate and is never a guaranty of coverage. Remember there is a difference between "accepting" and insurance plan and coverage verification. Individual services are usually covered at a percent that is set by the employer. A patient is still liable for a difference in the insurance's usual and customary fee and the provider's fee, plus any deductible remaining, in addition to that percent set by the employer. It is possible for a patient to be liable between 30 - 50% of the actual cost of a root canal with an accepted insurance. I manage an endodontic practice, here I always tell them that we accept most insurances though we are only in network and contracted with a few. Even though we accept most insurances this only mean we will accept any payment they make. But say the insurance doesn't respond, We bill the patient. We also state the we only file claims to insurances as a courtesy but again we are not obligated to. I hope this info helps.
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How much do Veneers cost, (with out insurance)?
Veneers are teeth that are surgically implanted, and this is what I want instead of getting dentures, and I was wondering how much they cost, and I do not qualify for dental insurance and do not have any other kind of insurance that would cover this either. Thanks for all answers!
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You can easily check your minimal rates in internet, for example here - health-quotes.talk4fun.net
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You can easily check your minimal rates in internet, for example here - health-quotes.talk4fun.net
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I'm 28 healthy female need health insurance.What is the best price for a premium plan with dental and where?
Specific company and best price.
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Ha. I'd like to know myself. Healthcare in the US is astronomical! I am divorced and had to get my own health ins.. I had Aetna HMO with no dental ins. Can't afford that! It kept rising every year almost $100.00 until I finally was paying over $600.00 per month with no dental! I switched to Horizon Blue Cross Blue Shield of NJ. I pay less than Aetna, but it's still same plan, with no dental, $30.00 co payment for each doc visit and I pay 1/2 of each prescription's cost. My current monthly payment to them is $470.00 per mo. A PPO is off the charts money wise and so I took the bottom of the barrel, an HMO.. Good Luck..
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Ha. I'd like to know myself. Healthcare in the US is astronomical! I am divorced and had to get my own health ins.. I had Aetna HMO with no dental ins. Can't afford that! It kept rising every year almost $100.00 until I finally was paying over $600.00 per month with no dental! I switched to Horizon Blue Cross Blue Shield of NJ. I pay less than Aetna, but it's still same plan, with no dental, $30.00 co payment for each doc visit and I pay 1/2 of each prescription's cost. My current monthly payment to them is $470.00 per mo. A PPO is off the charts money wise and so I took the bottom of the barrel, an HMO.. Good Luck..
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What dental insurances in Hawaii that covers braces?
I'm 13...I really want to braces, but we have finacial problems. Is there any dental insurances in Honolulu that provides braces? OR Can you pay braces monthly? How much? Thanks<3
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Many dentist will set up a payment plan, the amount you pay monthly will depend upon the dentist. Another option would be care credit. It's a credit card that will pay the dentist and you make payments to the company. Here is their website: http://www.carecredit.com/ Be very wary of medical discount cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of "save up to 80%" be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. Montana couldn't find any doctors in the whole state that actually took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card and fined the company. See this link http://www.insurancejournal.com/news/wes… for more information. Many other states are starting to ban these cards as well. Before signing up with any discount plan get a list of doctors and dentists. If they won't give you a list consider it to be a scam. Call the doctors on the list to make sure they're still taking the card (many don't even know that they're listed as a provider) and that they're accepting new patients.
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Many dentist will set up a payment plan, the amount you pay monthly will depend upon the dentist. Another option would be care credit. It's a credit card that will pay the dentist and you make payments to the company. Here is their website: http://www.carecredit.com/ Be very wary of medical discount cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of "save up to 80%" be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. Montana couldn't find any doctors in the whole state that actually took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card and fined the company. See this link http://www.insurancejournal.com/news/wes… for more information. Many other states are starting to ban these cards as well. Before signing up with any discount plan get a list of doctors and dentists. If they won't give you a list consider it to be a scam. Call the doctors on the list to make sure they're still taking the card (many don't even know that they're listed as a provider) and that they're accepting new patients.
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Does dental plan cover jaw surgery and braces?
I need braces then jaw surgery for my teeth, but that's going to be really expensive. I don't have dental insurance or anything but if I get it before braces and surgery, will it be able to pay for most of the costs?
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depends on dental plan
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depends on dental plan
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I have to get a night guard for my teeth, will medical insurance cover it?
I went to my ear, nose and throat doc who stated I need to get a night guard made by the dentist. My dental insurance will not cover it so I was wondering if anyone had any luck having your medical insurance covering it? (since it is my physician stating I need it) Thanks in advance.
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DO NOT USE A SPORTS GUARD....This will screw up your bite and jaw over time.The guard a dentist makes for you fits everything perfectly...For a good reason...Have your dr. write the precscription form and send it with the dentists estimate together...They should cover it if it was prescribed from a medical doctor...good luck
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DO NOT USE A SPORTS GUARD....This will screw up your bite and jaw over time.The guard a dentist makes for you fits everything perfectly...For a good reason...Have your dr. write the precscription form and send it with the dentists estimate together...They should cover it if it was prescribed from a medical doctor...good luck
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Which insurance companies are the best when purchasing a private medical insurance plan?
We are going to be loosing our current medical insurance through my husbands employer and are going to purchase medical and dental insurance privately. I want to know who offers the best plan for your money. Is there companies to look out for and are there any companies that are highly recommended. Just wanting some input. Thank You...:)
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Find the local Blue Cross plan in your state. It has been my experience that a common misconception is that Blue Cross is expensive. This simply is not true. Apples to apples, they are one of the least expensive. Another little known fact is that most Blue Cross association member companies are non-profit. Each Blue Cross is separately owned and operated. The main benefit with having a Blue Cross policy is the savings you will receive in lower out-of-pocket expenses thanks to the, "allowed amounts." Allowed amounts are the pre-determined negotiated rates between Blue Cross and doctors/hospitals. As a member of Blue Cross you will only be charged the allowed amount, so long as you use a contracted provider. Another benefit is that most Blue Cross plans include vision, prescriptions, office visits, annual gynecological/physical exams and urgent care without having to meet the annual deductible first. These benefits allow you to take a higher deductible to lower your monthly cost, yet still cover you for the most common problems.
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Find the local Blue Cross plan in your state. It has been my experience that a common misconception is that Blue Cross is expensive. This simply is not true. Apples to apples, they are one of the least expensive. Another little known fact is that most Blue Cross association member companies are non-profit. Each Blue Cross is separately owned and operated. The main benefit with having a Blue Cross policy is the savings you will receive in lower out-of-pocket expenses thanks to the, "allowed amounts." Allowed amounts are the pre-determined negotiated rates between Blue Cross and doctors/hospitals. As a member of Blue Cross you will only be charged the allowed amount, so long as you use a contracted provider. Another benefit is that most Blue Cross plans include vision, prescriptions, office visits, annual gynecological/physical exams and urgent care without having to meet the annual deductible first. These benefits allow you to take a higher deductible to lower your monthly cost, yet still cover you for the most common problems.
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When you're on worker's comp, can your life insurance through work be canceled?
My mom has been on worker's compensation for about four months now. She gets life, medical, and dental insurance through the company that she works for. For some reason, she just received a notice that all of her insurance will be canceled. Can they do this? What does she need to do?
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I don't know about other countries, but in the U.S., as long as she is on workers comp, the company has to maintain all benefits. She should contact the personnel department to find out what these notices are about.
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I don't know about other countries, but in the U.S., as long as she is on workers comp, the company has to maintain all benefits. She should contact the personnel department to find out what these notices are about.
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Can someone recommend a good and affordable dental plan?
I'm trying to find a good dental insurance that is very affordable for a middle/lower class citizen like myself. Can somebody recommend anything for somebody in my case?
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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 and actually they do a decent job. 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 $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. Visit a local independent agent for help finding a plan. 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 $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. 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 $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 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 and actually they do a decent job. 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 $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. Visit a local independent agent for help finding a plan. 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 $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. 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 $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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Am I able to get Medical/Dental insurance?
I'm 18, in college, and living on my own. I REALLY need to get my teeth fixed. .can I get insurance for that stuff at my age? Especially, if I go to the doctor.. I dont want to be in debt to them if something happens.
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You can definitely buy your own insurance, but you will pay each month for it. My past 3 employers have given me delta dental. check into that. FYI: Dental is cheap, but doesn't pay out too much as far as total benefits received per year. Generally $1500 is the max you can recieve, plus one annual cleaning will be fully covered Health insurance will be like 500 a month itself, but very important. if you are a full time student, you can be added to your parents health insurance plan which will cost far less.. All you need to do is prove you are full time. This works till you turn 22 i believe.
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You can definitely buy your own insurance, but you will pay each month for it. My past 3 employers have given me delta dental. check into that. FYI: Dental is cheap, but doesn't pay out too much as far as total benefits received per year. Generally $1500 is the max you can recieve, plus one annual cleaning will be fully covered Health insurance will be like 500 a month itself, but very important. if you are a full time student, you can be added to your parents health insurance plan which will cost far less.. All you need to do is prove you are full time. This works till you turn 22 i believe.
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Dental Insurance?
Is there a dental insurance that provides you to pay your bill monthly instead of paying it on your visit to the dentist?.. I'm a working student but doesnt make much money and I need a program where you can pay later or monthly.. Please help..
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Yeah, eHealthPlus lets you pay monthly
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Yeah, eHealthPlus lets you pay monthly
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travel insurance? dental?
i just got my insurance and it covers dental for about $2000, i have two broken teeth now, but if i say that i broke them in germany (the place that im going to - we have family friends who are dentists that can write a note down for the pain) will i be able to get a root canal... or what does this insurance do for me..... i am guessing many of you will be asking it depends to the company, well if that is your answer then just tell me the average of the companys insurance cover thankss
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Choosing the best is about matching the cover to your needs. http://insurance-junction.com/
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Choosing the best is about matching the cover to your needs. http://insurance-junction.com/
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how to confirm dental insurance?
this is for the front dental office. by hmo, ppo and medical? thanks
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Usually the 800 number is called that's found on the patient's insurance card, and then insurance info is faxed to the office, showing what's covered and what the benefits are... That's how we do it.
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Usually the 800 number is called that's found on the patient's insurance card, and then insurance info is faxed to the office, showing what's covered and what the benefits are... That's how we do it.
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How can someone get help with dental work that is needed "killer tooth pain" with no insurance, no money forit?
and nowhere near a dental school and not even close to a state that has one
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well go to a dental clinic the doctor i work for volunteers at a dental clinic every friday for people that cant afford dental treatment. your tooth is probably abcessed so the only way the pain will go away is by getting some antibiotics the pain should go away within 3 days but you will need to get the tooth taken out before the medicine leaves your system. you should really call a dentist should only cost about $80 for an exam and xray.
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well go to a dental clinic the doctor i work for volunteers at a dental clinic every friday for people that cant afford dental treatment. your tooth is probably abcessed so the only way the pain will go away is by getting some antibiotics the pain should go away within 3 days but you will need to get the tooth taken out before the medicine leaves your system. you should really call a dentist should only cost about $80 for an exam and xray.
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Roughly how much does dental bonding cost per tooth?
I know it depends on the amount of work needed to be done, but say its not a lot of work and you already have good teeth and are just getting bonding to fix stains or change the shape of them like I want to do for my four front top teeth... then in that case how much would it be? Also, I dont have dental insurance and plan on paying outta pocket... can I do that?
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try re-posting this question in another section...you might get more answers
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try re-posting this question in another section...you might get more answers
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