County gov't employer provides dental insurance that employees have to pay for but won't let employees opt out of dental insurance.
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If it is a mandate, then they will have to pay. You do not have to buy any insurance if you are covered by another insurance unless it is an agreement in small print when you sign your job application
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Saturday, January 15, 2011
How can I get health insurance?
I'm a student in college and I need cheap but thorough dental insurance. Any suggestions?
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Try this site http://cheapiinsurance.notlong.com Here you can compare quotes from different companies
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Try this site http://cheapiinsurance.notlong.com Here you can compare quotes from different companies
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Health, Dental & Vision Insurance Plan?
I am trying to find insurance for both my 18 month old and I. We need health, dental and vision insurance. Someone please help...
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You need to talk with a local agent that works with all of the major companies in your area, especially if you have any pre-existing conditions. The agent can find the best policy for your situation and budget. They can explain what you get and, more importantly, what you don't get with each policy. There is no extra charge using an agent. Dental and vision are separate policies. Some health plans will have dental and vision as a option for an additional premium. If you find the best health plan doesn't have that option you can get a stand-alone dental plan. Most people do without dental and vision insurance; they'll just use dental schools. This is usually less expensive in the long run. You can find the nearest dental school here: http://www.yourhealthplanadvisor.com/Den…
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You need to talk with a local agent that works with all of the major companies in your area, especially if you have any pre-existing conditions. The agent can find the best policy for your situation and budget. They can explain what you get and, more importantly, what you don't get with each policy. There is no extra charge using an agent. Dental and vision are separate policies. Some health plans will have dental and vision as a option for an additional premium. If you find the best health plan doesn't have that option you can get a stand-alone dental plan. Most people do without dental and vision insurance; they'll just use dental schools. This is usually less expensive in the long run. You can find the nearest dental school here: http://www.yourhealthplanadvisor.com/Den…
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is there a dental organization who can assist me with the wide range of needs that i have?
i have very advance stage of periodontal disease which has now lead to heart disease. some of my teeth are broken off and terribly infected. i do not have dental insurance. i am a full time student living on workmans compensation. is therre a program that can assist me before i have another heart attack?
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I do not know where you are located or about programs that offer aid for these services. What I can tell you is that you should be brushing well twice per day. Rinse with a solution of water and hydrogen peroxide split in a 50:50 ratio. (Only put a little in your mough at one time and swish for 30 seconds because it will expand in your mouth) Repeat twice. Rinse your tongue with water when you are done but not your mouth. Gently floss before rinsing. This will all help keep the most dangerous bacteria from proliferating, and keep things from getting too much worse. Do this until you find some program that may help. Sorry for your trouble!
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I do not know where you are located or about programs that offer aid for these services. What I can tell you is that you should be brushing well twice per day. Rinse with a solution of water and hydrogen peroxide split in a 50:50 ratio. (Only put a little in your mough at one time and swish for 30 seconds because it will expand in your mouth) Repeat twice. Rinse your tongue with water when you are done but not your mouth. Gently floss before rinsing. This will all help keep the most dangerous bacteria from proliferating, and keep things from getting too much worse. Do this until you find some program that may help. Sorry for your trouble!
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I need to purchase dental insurance.?
My employer does not offer it. I have good teeth and just need the basic coverage. Is this typically expensive? And where do I go about finding it?
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If you have good teeth and just want the basics you probably don't need any plan. A yearly cleaning and exam will cost you less without insurance. However, if you need more 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-$10 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. 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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If you have good teeth and just want the basics you probably don't need any plan. A yearly cleaning and exam will cost you less without insurance. However, if you need more 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-$10 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. 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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Can anyone help me? I need to find a program or dental service that helps with dental cost ?
I am a stay home mother and my husbands income is our only income and I have maxed out my dental insurance
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i think this will help http://www.dentalplanshealthinsurance.co…
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i think this will help http://www.dentalplanshealthinsurance.co…
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I need medical insurance including dental but my job doesn't offer benifits.....which kinda is stupid since
the state I live in requires you to have insurance....so what if anyone knows is the best kinda indivdulal insurance at an affordable price?
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what state do you live in? I live in New York and they offer a plan called Healthy New York which is $200 a month for an individual.
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what state do you live in? I live in New York and they offer a plan called Healthy New York which is $200 a month for an individual.
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How does dental insurance work?
I have 2 dental insurance policies. Blue Cross/Blue Shield & Met Life. Will they work together and pay 100% like one pays 80% the other paying the remaining 20%, or will only one pay? Will I have any out of pocket expenses? Will I have to pay a co pay or deductable? I've tried to read over my policies but they might as well have been written in french.
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I have worked with dental ins for a long time. When you're trying to figure out what ins will pay it is really a math problem. First you need to determine what you're benefits are. There are 3 main categories: Preventative, Basic, and Major procedures. Most policies cover these categories as followed. Preventative (cleanings and such) 100% Basic (fillings, perio disease, extractions, root canals) 80% Major (Crowns, Dentures) 50% To determine what each ins company will pay, you need to know what the procedure will cost, if both policies cover the procedure, and how much is covered. Lets say that BCBS is your primary policy and metlife is your secondary. Lets also say that they both have the same policy coverage (100%, 80%, and 50%). If you are having a preventative procedure done, then BCBS should pay for all of it and Metlife is off the hook. Lets say you are getting a filling done that costs $100 total for the procedure. BCBS would pay $80 of the filling because they cover it at 80%. The remaining $20 is requested from Metlife and they should cover 80% of that, which is $16 dolars. The remaining $4 is your portion. The same goes for Major. If a major procedure costs $1000, BCBS will pay $500 and Metlife will pay $250. Something to consider when figureing out what ins will pay and what your portion is, is that you pay have a maximum and a deductible in your plan. That gets trickier to figure out. I hope this helps, if it does, vote this for best answer please. I'm trying to rack up my points!
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I have worked with dental ins for a long time. When you're trying to figure out what ins will pay it is really a math problem. First you need to determine what you're benefits are. There are 3 main categories: Preventative, Basic, and Major procedures. Most policies cover these categories as followed. Preventative (cleanings and such) 100% Basic (fillings, perio disease, extractions, root canals) 80% Major (Crowns, Dentures) 50% To determine what each ins company will pay, you need to know what the procedure will cost, if both policies cover the procedure, and how much is covered. Lets say that BCBS is your primary policy and metlife is your secondary. Lets also say that they both have the same policy coverage (100%, 80%, and 50%). If you are having a preventative procedure done, then BCBS should pay for all of it and Metlife is off the hook. Lets say you are getting a filling done that costs $100 total for the procedure. BCBS would pay $80 of the filling because they cover it at 80%. The remaining $20 is requested from Metlife and they should cover 80% of that, which is $16 dolars. The remaining $4 is your portion. The same goes for Major. If a major procedure costs $1000, BCBS will pay $500 and Metlife will pay $250. Something to consider when figureing out what ins will pay and what your portion is, is that you pay have a maximum and a deductible in your plan. That gets trickier to figure out. I hope this helps, if it does, vote this for best answer please. I'm trying to rack up my points!
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dental insurance?
I have a new job and am signing up for my benefits and they offer dental insurance through guardian BUT my dentist is not on that insurance on either plan, she doesnt take it at all. i love my dentist and she made me a nightguard since i grind my teeth at night and i'd hate to sign up for this dental insurance and have to go to one of those castle dentals or whatever just for a free cleaning when i could stay with my dentist and just pay out of pocket. i am 29 and have very healthy teeth, i dont have any cavities and i have straight teeth so no work is needed. should i opt out of dental insurance all together or should i get the dental plan and see castle dental and ditch my current dentist? i dont think it would be right to see my current dentist just for the night guard and go to another one for cleaning, etc. that wouldnt be fair. what do you think? i dont know what to do!
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dental insurance is a big money maker as once your teeth are in good shape, the amount paid out in benefits is minimal, still you should weigh the cost of two cleanings a year, one set of x-rays and the potential of something going bad $300, against the premium for the year.......... in regards to the dentist that you love.......it sounds like he loves his wallet more as he doesn't participate in any insurance plans, which means he doesn't discount his services for the benefit of his patients....... try someone else who is on the plan
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dental insurance is a big money maker as once your teeth are in good shape, the amount paid out in benefits is minimal, still you should weigh the cost of two cleanings a year, one set of x-rays and the potential of something going bad $300, against the premium for the year.......... in regards to the dentist that you love.......it sounds like he loves his wallet more as he doesn't participate in any insurance plans, which means he doesn't discount his services for the benefit of his patients....... try someone else who is on the plan
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Dental Insurance question. Please explain this to me?
What's the difference between DHMO and PPO?
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The above two answers are correct but, unless you're insurance is provided as a benefit you are probably better of not getting it. The insurance companies are in this to make money and PPO or DHMO dentists are usually on the bottom of the list when it comes to quality. DHMO is the worst but in any case, look in the yellow pages. The bigger the ad the worse the office usually is. Try to go to an office that only lists the doctor's name.
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The above two answers are correct but, unless you're insurance is provided as a benefit you are probably better of not getting it. The insurance companies are in this to make money and PPO or DHMO dentists are usually on the bottom of the list when it comes to quality. DHMO is the worst but in any case, look in the yellow pages. The bigger the ad the worse the office usually is. Try to go to an office that only lists the doctor's name.
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How much is Dental Composite Bonding?
Im pretty much obsessed with teeth, and my own. i do not want veneers or anything else. i have had braces, i just have, lets say(not the best shaped teeth). i want it for reshaping my teeth,not for fillings or a cavity. how much can Dental Composite Bonding be? Is there a site where i can find out the different price on Composite Bonding depending on the region where I live? I live in Kansas. and can Dental insurance cover this?
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insurance typically does not cover cosmetic procedures. bonding costs vary, it depends on how many teeth, the area, dentist, etc.... you really need to get a consultation and an estimate so you have an idea.
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insurance typically does not cover cosmetic procedures. bonding costs vary, it depends on how many teeth, the area, dentist, etc.... you really need to get a consultation and an estimate so you have an idea.
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I sell life,dental, cancer insurance, where are good locations to leave my business cards!?
Please help
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By the way this question is worded I don't believe that you do sell dental or cancer insurance, because that is not what it is called. Any how, I am a financial advisor and I in fact do sell life insurance, Trauma and permanent disability cover, I often make trips out to businesses and speak to all the employees and leave the insurance PDS with them to look over. Places like the fisher mans co-operation and the abattoirs are good places to start.
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By the way this question is worded I don't believe that you do sell dental or cancer insurance, because that is not what it is called. Any how, I am a financial advisor and I in fact do sell life insurance, Trauma and permanent disability cover, I often make trips out to businesses and speak to all the employees and leave the insurance PDS with them to look over. Places like the fisher mans co-operation and the abattoirs are good places to start.
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How do i get started to do online dental billing from home ?
how do i get started doing dental insurance billing at home
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Most offices have computers now, so usually the claims are submitted electronically, which makes the turnaround time for benefits quicker. Some offices don't have computers, so thier method of claim submission is by hand, either writing the claims out in full or using Superbills... You could always target the offices that don't have computers. However, you'd need some kind of dental background so you would know what you're doing...procedure codes, which seem to be updated or changed annually...charting, so you'd know what surfaces were filled in restorative procedures.... the list goes on. You'd also have to have each office you're billing for be registered at the online insurance sites.... You may need to rethink your 'stay at home' job....
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Most offices have computers now, so usually the claims are submitted electronically, which makes the turnaround time for benefits quicker. Some offices don't have computers, so thier method of claim submission is by hand, either writing the claims out in full or using Superbills... You could always target the offices that don't have computers. However, you'd need some kind of dental background so you would know what you're doing...procedure codes, which seem to be updated or changed annually...charting, so you'd know what surfaces were filled in restorative procedures.... the list goes on. You'd also have to have each office you're billing for be registered at the online insurance sites.... You may need to rethink your 'stay at home' job....
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I have recently lost my job and need dental care. Is there a program that can help?
With the loss of my job came loss of my dental insurance. After a serious financial set back a couple of years ago I'm not able to pay much. Where do I go for help?
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I don't know if your financial setback affected your credit, but if not, apply for CareCredit at carecredit.com. It's a credit card that can only be used at medical, dental, and vet offices. They offer 6-12 months no interest, depending on the amount you will be spending. Many big cities also have free clinics. I'd google it and try to find one close to you.
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I don't know if your financial setback affected your credit, but if not, apply for CareCredit at carecredit.com. It's a credit card that can only be used at medical, dental, and vet offices. They offer 6-12 months no interest, depending on the amount you will be spending. Many big cities also have free clinics. I'd google it and try to find one close to you.
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Dental Insurance? Worth is ... thoughts - ideas - sites?
Very interested in getting some.
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This site is really nice. Amy i really suggest checking it out. Discounts, lot of coverage - will be way better than just paying out of pocket. Its really nice is you just need a couple cleanings. Very affordable. Good lick - i really think its worth it. In case you have an issue with your gums or teeth (will save you 100's) This is the site I used and give out to friends and family. http://www.dentalplans.com/afftracker.asp?affid=36337
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This site is really nice. Amy i really suggest checking it out. Discounts, lot of coverage - will be way better than just paying out of pocket. Its really nice is you just need a couple cleanings. Very affordable. Good lick - i really think its worth it. In case you have an issue with your gums or teeth (will save you 100's) This is the site I used and give out to friends and family. http://www.dentalplans.com/afftracker.asp?affid=36337
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Is there a dental credit program not dependant on good credit?
I am searching for a dental program that is payment based. I have dental insurance, but there is much more that must be paid. I have a heart condition and, unfortunately, bad credit that prohibits me from using CareCredit. I need to have major work done and can't get started until I work this out. Any ideas would be appreciated. Please send any information to txokie54@att.net. Thank you!!
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Hi there, I sent a response to the email you referenced in your question. I hope it helps. Good luck!
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Hi there, I sent a response to the email you referenced in your question. I hope it helps. Good luck!
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Can anyone recommend a good dentist in upstste South Carolina to make dental partials?
I need some partials made. I do not have dental insurance, I am on a fixed income, but I can pay a fair price.
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You can sign up for a month-to-month dental program with AmeriPlan, and you would get a discount on partials from a participating provider. You can do a provider search in your area and check the disocunt schedule at www.GreatHealthPlans.info.
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You can sign up for a month-to-month dental program with AmeriPlan, and you would get a discount on partials from a participating provider. You can do a provider search in your area and check the disocunt schedule at www.GreatHealthPlans.info.
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DENTAL INSURANCE IN GEORGIA?
what is the best insurance that which will cover braces besides Ameri-plan?
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Ameri plan, no other, but still you do pay some uot of pocket, speak to a broker if you not sure
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Ameri plan, no other, but still you do pay some uot of pocket, speak to a broker if you not sure
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i need dental insurance!!! who is the best and cheapest carrier?
I'm not sure what to look for or how to get answers about coverages and so forth please help
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Hi, I would encourage you to visit this great site: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago now and they have saved me thousands of dollars since on all services. From root canals, xrays, extractions, fillings...etc. Even my braces had coverage. They even had my benefits active in 2 hours and was able to use them the very same day. Good luck
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Hi, I would encourage you to visit this great site: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago now and they have saved me thousands of dollars since on all services. From root canals, xrays, extractions, fillings...etc. Even my braces had coverage. They even had my benefits active in 2 hours and was able to use them the very same day. Good luck
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Do You Know Any Affordable NY/NJ Dental/Health Insurance Plans?
My father's company insurance plan will no longer cover me as a dependent. I need to find some sort of dental/health insurance of my own. My status is as follows: I live in NY My parents live in NJ I am self-employed out of MD My father claims me as a dependent on his taxes I am presently a part-time student...and will be a full-time student in Fall 2008. What can I do with this...to make something happen? :-)
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Check with your University. They probably have an affordable healthcare plan or if you want to gamble set up your own medical savings account and pay for your bills cash. Most doctors will give you a discount of like 25% for not having to do any paperwork. Actuarialists will tell you that insurance is a joke until you hit 42 when the incidents of claims begin to rise. Up until then they are making money off of you for nothing. Calculate what you spend for drugs and doctor's appointments without insurance versus what you pay for insurance plus co pay and what you learn is that you pay more for insurance than you do for drugs and doctors visits. But then again, if you find out that I am wrong in your case, check out the University or get another job solely for the insurance. Personal insurance is a ripoff. Group insurance is the way to go. The University qualifies as a group.
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Check with your University. They probably have an affordable healthcare plan or if you want to gamble set up your own medical savings account and pay for your bills cash. Most doctors will give you a discount of like 25% for not having to do any paperwork. Actuarialists will tell you that insurance is a joke until you hit 42 when the incidents of claims begin to rise. Up until then they are making money off of you for nothing. Calculate what you spend for drugs and doctor's appointments without insurance versus what you pay for insurance plus co pay and what you learn is that you pay more for insurance than you do for drugs and doctors visits. But then again, if you find out that I am wrong in your case, check out the University or get another job solely for the insurance. Personal insurance is a ripoff. Group insurance is the way to go. The University qualifies as a group.
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Does dental insurance pay for braces?
Blue Cross Blue Shield of Georgia
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Most insurance companies will cover some of the cost, up to age 18 (like if you're on your parent's plan). After age 18, you are usually on your own. I think they assume that if you're over age 18, you are choosing to do it for cosmetic reasons (b/c it wasn't done when you were younger). In fact, even the coverage before age 18 doesn't cover that much of the cost. My hubs works for a very large insurance company, and our dental coverage covers up to $1000 yearly, for up to 3 years, if you're under 18. After that, it's not covered (straight out of pocket). Call the member services number on your health care id card, and they will give you your plan's specific coverages. Good luck.
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Most insurance companies will cover some of the cost, up to age 18 (like if you're on your parent's plan). After age 18, you are usually on your own. I think they assume that if you're over age 18, you are choosing to do it for cosmetic reasons (b/c it wasn't done when you were younger). In fact, even the coverage before age 18 doesn't cover that much of the cost. My hubs works for a very large insurance company, and our dental coverage covers up to $1000 yearly, for up to 3 years, if you're under 18. After that, it's not covered (straight out of pocket). Call the member services number on your health care id card, and they will give you your plan's specific coverages. Good luck.
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Pediatrician appointment with no insurance- do you pay before your visit or can you be billed?
My husband was laid off from his job that had health and dental insurance and and I have no money to bring my baby to her appointment to get her shots. We don't qualify for medicaid because he makes just over the limit for any help. JUST over. What do I do?
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I think my pediatrician charges $60 or so for a 'well baby' visit with no shots. I'd just call and ask about the billing and how much it will be. But if I really couldn't afford it, I would call the Health Department... I think it's free or really cheap and could get you by for now.
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I think my pediatrician charges $60 or so for a 'well baby' visit with no shots. I'd just call and ask about the billing and how much it will be. But if I really couldn't afford it, I would call the Health Department... I think it's free or really cheap and could get you by for now.
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how much does dental insurance cost?
i need "some" work done do you know any good insurance companies because i don't know how to choose insurance, refer me one please. im filling out this https://secure.capitalonefinance.com/form.asp?plan=DFP&currPage=0&refer=www.capitalonehealthcarefinance.com form so i need to estimate the cost, sux XD
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Your right there are so many out there I would encourage you to visit this great site: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago now and they have saved me thousands of dollars since. From root canals, xrays, exams...to my braces. They even had my very affordable benefits active in 2 hours and was able to use them the very same day. good luck and hope this helps.
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Your right there are so many out there I would encourage you to visit this great site: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago now and they have saved me thousands of dollars since. From root canals, xrays, exams...to my braces. They even had my very affordable benefits active in 2 hours and was able to use them the very same day. good luck and hope this helps.
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We do not have dental insurance. My back molar will need a root canal and a crown for a total cost of $1900.00
Is it better to have it pulled or absorb the cost. Since we don't have insurance, it is going to "hurt"......
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As much as I would not want to lose a tooth- I think my budget would win.
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As much as I would not want to lose a tooth- I think my budget would win.
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