Hi every one I'm searching for a good dental plan/ insurance that covers orthodontic cares. My orthodontic treatment costs me 7000 dollars. I've heard about Delta PPO and America Discount Plan. I was trying to look at all the benefits of these two, but Delta PPO wouldn't let me unless I'm already in the plan (so I'd have membership ID which is required for signing in for more information). About the Ameriplan, it only stated vaguely in the website that it would cover from 25% to 80% for orthodontic cares. But what I need is a complete and detailed form of the benefits that I can get from purchasing this plan. Apparently, it's not in the website. I'm interested in the plans that don't require me to go to their dentist network. However, it seems like Delta only covers the fee if I go to their dentists. About Ameriplan, they say I have choices, but does it mean that I would receive less benefits and less discounts if I go with the one of my choice Anyone has any idea about these two dental plans? Do you happen to know any other good dental plans/ insurances for orthodontic cares? Thanks a lot. I really appreciate all your helps ^^
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My family have this health insurance - health-quotes.isgreat.org It is affordable and has good coverage for dental issues. My wife had no problem with her insurance coverage while having orthodontic care.
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Saturday, January 22, 2011
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 - here is my health insurance plan. As I remember they can provide such a service.
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health-quotes.talk4fun.net - here is my health insurance plan. As I remember they can provide such a service.
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bad toothache because of cavity; I don't have a dental insurance or plan now but?
I need to visit a dentist, which one is better, to buy the insurance or to pay the dentist directly, how would you compare these two and which one is more efficient ? or what about plans out there, please let me know if you have any useful information on this case
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If you generally 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. Even the filling will cost less unless other procedures are needed. 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. 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 one of these plans. Fee for Service discount plans - Cost $7-$15 per month. No deductible, no annual maximum and no waiting periods. Many dentist will accept the plan (check providers first before signing up with any plan). When you use the plan there is a set fee that the dentist will charge you. Example - average cost for a root canal in my area is $829. With fee for service plans you pay as little as $404. I'm an insurance agent and my personal plan is the fee for service plan. I got mine here http://www.dpbrokers.com/default.aspx?lo… specifically the Aetna Dental Access plan but which one you get depends upon your area and comparing the fee schedule to find the best for what you need covered.
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If you generally 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. Even the filling will cost less unless other procedures are needed. 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. 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 one of these plans. Fee for Service discount plans - Cost $7-$15 per month. No deductible, no annual maximum and no waiting periods. Many dentist will accept the plan (check providers first before signing up with any plan). When you use the plan there is a set fee that the dentist will charge you. Example - average cost for a root canal in my area is $829. With fee for service plans you pay as little as $404. I'm an insurance agent and my personal plan is the fee for service plan. I got mine here http://www.dpbrokers.com/default.aspx?lo… specifically the Aetna Dental Access plan but which one you get depends upon your area and comparing the fee schedule to find the best for what you need covered.
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I have no health/dental insurance and just lost my job, how can I get some dental work done?
Hello, title pretty much says it all! I need some dental work done, i dont think it's very major, no cavities but i have a chipped tooth i want to get done and maybe get my teeth bleeched(which I know is an elective of mine). I live in kansas city missouri and would love some suggestions. What would you do? Oh yea and I kind of need it done this week before i go out of town, if possible. Just trying to give you all the details :) Thanks.
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Sorry you lost your job. I hope you find another soon. You can try a dental college where the students perform the work under supervision or try your local health department or religious organization. Getfreedental.com offers a free dentist directory.
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Sorry you lost your job. I hope you find another soon. You can try a dental college where the students perform the work under supervision or try your local health department or religious organization. Getfreedental.com offers a free dentist directory.
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Help!! what is the best dental insurance? I was just quoted 18,000 for all the work i need done.?
I just went to the dentist(absolute dental), and paid $100 for their " smiles save" plan which includes x-rays and exam and 50% off all work done. But even with the discount i will have to pay $10,000 for all of it and i can't afford it, even if i get them done 1 at a time! Can someone please tell me of any cheap dental plans out there and if you think i'm getting jipped at this place? Does medicaid cover dental if over 21? i need help asap!
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healthplans.bebto.com - my family have this health insurance. It is affordable and has good coverage for dental issues.
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healthplans.bebto.com - my family have this health insurance. It is affordable and has good coverage for dental issues.
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question about dental insurance?
So my wife has braces and we are 1/2 way through the whole ordeal and she'll get them off in 12 months. However, I am about to switch jobs and I just learned that my insurance pays quarterly for the work instead of paying for it all up front. Well if I leave my job, we have to pay the rest of the cost which will be upwards of $4,000. What, if any, options do I have to prevent this from happening (besides not leaving my job because that is unfortunately not an option)? Can we get a retainer for the work done so far and finish it later? Any ideas would be greatly appreciated.
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Medical Discount Plan ideal for those who cannot afford or qualify for traditional health insurance. The companies offer discounted health services for a quite low monthly fee. Benefits include a range of discounts for doctors, hospitals, dental, vision, prescriptions, vitamins, as well as other health services. Individual & Family Health Plans This is a major health insurance plan for individuals and families. If you are looking for comprehensive long term health insurance coverage for yourself and/or your family members who are 62 years old or younger - this is the plan to choose. Short Term Medical Plans This plan is ideal for individuals in transition. Maybe you have just graduated from college and are no longer covered under your student health insurance or you moved out on your own, and you're no longer covered under your parents' medical insurance plan. Or perhaps you're employed part-time, going to school, leaving home for the first time, or even retiring early. Maybe you've found a new job, but your new employer's group health insurance plan won't kick in until you've been with months. Common situation you met like many other people,be patient,and check the resource here www.HealthInsuranceIdeas.info i found very useful for me to solve my similiar problem.
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Medical Discount Plan ideal for those who cannot afford or qualify for traditional health insurance. The companies offer discounted health services for a quite low monthly fee. Benefits include a range of discounts for doctors, hospitals, dental, vision, prescriptions, vitamins, as well as other health services. Individual & Family Health Plans This is a major health insurance plan for individuals and families. If you are looking for comprehensive long term health insurance coverage for yourself and/or your family members who are 62 years old or younger - this is the plan to choose. Short Term Medical Plans This plan is ideal for individuals in transition. Maybe you have just graduated from college and are no longer covered under your student health insurance or you moved out on your own, and you're no longer covered under your parents' medical insurance plan. Or perhaps you're employed part-time, going to school, leaving home for the first time, or even retiring early. Maybe you've found a new job, but your new employer's group health insurance plan won't kick in until you've been with months. Common situation you met like many other people,be patient,and check the resource here www.HealthInsuranceIdeas.info i found very useful for me to solve my similiar problem.
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need a oral suregon but i dont have dental insurance does anyone know any oral surgeons have payment plans?
i need a oral suregon does anyone know of any that offer payment plans in baltimore thank you
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Not knowing where you live, I can't give you the name of someone in particular. What you can do is check with dental universities in your area. Most of them have dental clinics that are very low cost and accept payment plans.
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Not knowing where you live, I can't give you the name of someone in particular. What you can do is check with dental universities in your area. Most of them have dental clinics that are very low cost and accept payment plans.
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question about Dental Insurance?
I went to the dentist two day ago and had two fillings done, THey were both two surface, tooth colored on teeth 5 and the other on 19. the dentists charges were $195 each totalling $390. Online i looked at my claim and the insurance comp. allows $82 for one and the other is at $110. THere is an upgrade of $28 for only one of them cause it was a molar and tooth colorde fillings are not allowed on those teeth, I had a tooth color filling on both teeth. THey say that i will no have to pay the full$195 and just $110 per tooth casue the dentist is contracted, However las tyear i went to a different dentist and they said that i had to pay the difference. By the way there is a $75 ndeductable, Who is right, if this dentist is only allowed to charge the cotracted rate for a tooth colored filling then that means the other dentist (who was contracted ripped me off)
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What insurance company do you have? When you looked up your claim online, it should have also said something like 'patient payment' or 'patient responsibility'...that is what your out-of-pocket expenses would be. It's hard to say, since we can't see the explanation of benefits that would accompany the payment. ~Wish I could help more than this.... :(
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What insurance company do you have? When you looked up your claim online, it should have also said something like 'patient payment' or 'patient responsibility'...that is what your out-of-pocket expenses would be. It's hard to say, since we can't see the explanation of benefits that would accompany the payment. ~Wish I could help more than this.... :(
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I need to find dental insurance for my self and too children?
From California
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Go to Google, and type in CA health and dental insurance, something like that
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Go to Google, and type in CA health and dental insurance, something like that
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help finding a dental insurance company?
Im 19 full time college student and I need my wisdom teeth out now! One is laying on a nerve and growing the wrong way my dentist said I need to get it out soon or I could have nerve damage. well after waiting an hr in the oral surgons office the lady at the desk informs me my insurance dosent cover it ;[ and thier is no way i can aford it. I need to find insurance that will pay atleast 50% does anyone know of a good company and one that thier isnt a big minimal waiting period???
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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 of my dental needs. From extractions, xrays, fillings, root canals...etc. Even 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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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 of my dental needs. From extractions, xrays, fillings, root canals...etc. Even 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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I don't have dental insurance?
What insurance carrier can I go to get affordable dental insurance?
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There are so many out there, but for me and my family we have this great plan. I would encourage you to visit this great site: www.healthsavings.ourperfectcard.com I signed up online over 5 years and they have saved me thousands of dollars on all of my dental services. From xrays, fillings, Cleanings, root canals, and even my braces had great coverage. 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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There are so many out there, but for me and my family we have this great plan. I would encourage you to visit this great site: www.healthsavings.ourperfectcard.com I signed up online over 5 years and they have saved me thousands of dollars on all of my dental services. From xrays, fillings, Cleanings, root canals, and even my braces had great coverage. 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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dental insurance?
i was wondering if anyone know a good one that most take. i have to get a crown and i dont really want to spend 600 just to get one fixed. i'm going to go to iowa and dont know if there is a certain one that only iowa would take,
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$600 is a great price for a (porcelain fused to metal) crown. Depending on how much dental work you need, you might be better off just paying out-of-pocket instead of monthly premiums.
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$600 is a great price for a (porcelain fused to metal) crown. Depending on how much dental work you need, you might be better off just paying out-of-pocket instead of monthly premiums.
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Can you get veneers for free or at a good discount price with you military dental insurance?
I know that active duty soldiers get everything free with health insurance and dental insurance I was already told you get braces for free but I was told veneers is the faster way to go to get straight teeth do you think they will cover that.
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health-quotes.isgreat.org - here is my health insurance plan. As I remember they can provide such a service.
Source
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health-quotes.isgreat.org - here is my health insurance plan. As I remember they can provide such a service.
Source
Dental insurance?
My insurance expired this past March 31st because I turned 19 and so I am no longer on my parents insurance but while I was...I found out from the dentist that I have an impacted wisdom tooth. Well it wasn't bothering me then...but now all the sudden it is and I think it is errupted, because it is infected and is really sore and I can't eat or drink on that side. I really need to see a dentist but can't afford one without insurance. Does anyone know an insurance company(ies) that have affordable dental insurance with NO waiting period and allows pre-existing conditions. From my understanding...they can look at your dental records to see if the problem was from before. Thanks, and I live in NC. P.S. I've done some research myself but it is sometimes hard to decipher which companies are ripoffs and which ones are the real deal!
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I would encourage you to visit the following: www.healthsavings.ourperfectcard.com I signed up online about 3 years ago now and they have saved me thousands throughout the years. From Root canals, extractions, exams, xrays...etc. All services are included. They even had my benefits active in 2 hours and was able to use the same day. good luck and hope this helps.
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I would encourage you to visit the following: www.healthsavings.ourperfectcard.com I signed up online about 3 years ago now and they have saved me thousands throughout the years. From Root canals, extractions, exams, xrays...etc. All services are included. They even had my benefits active in 2 hours and was able to use the same day. good luck and hope this helps.
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Dental insurance....?
What dental insurance can you highly recommend that is reliable and at the same time affordable?
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Delta Dental is really good, mostly covering 80%. Aflac is also an option. I'd say look for an independant contractor, they are all over the place, ask around...They offer low monthly payments for reasonable coverage. Go for either Capital One or Care Credit...it'd be like paying a credit card bill each month for your dental care/costs. Dental insurance is a supllement, not meant to pay for everything you'll need to have done. We were just discussing this at work. If dental insurance coverage increased with inflation, everyone would be covered at about $5,000.00 each year! It hasn't been changed since 1976 in the U.S. Very sad considering all the people that could use it.
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Delta Dental is really good, mostly covering 80%. Aflac is also an option. I'd say look for an independant contractor, they are all over the place, ask around...They offer low monthly payments for reasonable coverage. Go for either Capital One or Care Credit...it'd be like paying a credit card bill each month for your dental care/costs. Dental insurance is a supllement, not meant to pay for everything you'll need to have done. We were just discussing this at work. If dental insurance coverage increased with inflation, everyone would be covered at about $5,000.00 each year! It hasn't been changed since 1976 in the U.S. Very sad considering all the people that could use it.
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dental insurance?
what dental insurance company do you use if you had to buy on your own, not through work?
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When I didn't have dental through my work, it was none. I couldn't find a plan that made sense - they have so many copays and exclusions and waits, for the premium they take in, it was cheaper to pay out of pocket. Including getting a crown during that period (which cost me $900). Oh, that was for me AND A CHILD. So fillings, exams twice a year, xrays, crown, and braces for the child. Out of pocket was cheaper. Before you buy a plan, run the numbers.
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When I didn't have dental through my work, it was none. I couldn't find a plan that made sense - they have so many copays and exclusions and waits, for the premium they take in, it was cheaper to pay out of pocket. Including getting a crown during that period (which cost me $900). Oh, that was for me AND A CHILD. So fillings, exams twice a year, xrays, crown, and braces for the child. Out of pocket was cheaper. Before you buy a plan, run the numbers.
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Finding a good dental insurance?
Im 19 full time college student and I need my wisdom teeth out now! One is laying on a nerve and growing the wrong way my dentist said I need to get it out soon or I could have nerve damage. well after waiting an hr in the oral surgons office the lady at the desk informs me my insurance dosent cover it ;[ and thier is no way i can aford it. I need to find insurance that will pay atleast 50% does anyone know of a good company and one that thier isnt a big minimal waiting period???
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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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Which insurance covers oral surgery, such as serious gum surgery, medical or dental?
I know it depends on the plan, but typically, does medical cover any serious oral surgery like for really really bad gums?
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i had to have oral surgury once to remove a lump on my gums , and my medical covered it. good luck :)
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i had to have oral surgury once to remove a lump on my gums , and my medical covered it. good luck :)
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Embed Claim in my dental insurance claim?
I am allowed to two teeth cleaning per year with no six month interval requirement which the insurance customer service reps confirmed at least on two occasions. However, after getting my 2nd teeth cleaning for the year, they dug out some mysterious "EMBEDDED CLAIM" for some service rendered back in January of this year. They claim that EMBEDDED CLAIM contained another teeth claim so I can't have 3rd teeth cleaning covered. They added that EMBED CLAIMS do not show up online on my insurance account. Had they shown the EMBEDDED CLAIM online I would not have gone for the cleaning, and I seriously have doubts about embedded claim as I never received the EOB. However, the submitted cost for the cleaning is $80. Do I just swallow it and pay because it may not be worth the process of appealing and writing bunch of letters to BBB and making phone calls and keep explaining? There was no mis-communication. The insurance company's customer service reps clearly misinformed me, and they should have listed this embedded claim online under my account. What do you think I should do?
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I'm not sure what an "embedded claim" is. I work the front desk at a dental office and I'm confused about what you told me. What I suggest you do is pay the bill for your dentist (it isn't their fault that your ins didn't pay.) Also, you could ask the front desk to help you send an appeal to your ins company. They have experiences and resources you don't. It's part of their job to help you with ins. Also, once you pay your bill, they will be more inclined to help you and your ins can reimburse you or the dental office if they end up paying for your cleaning. Good luck!
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I'm not sure what an "embedded claim" is. I work the front desk at a dental office and I'm confused about what you told me. What I suggest you do is pay the bill for your dentist (it isn't their fault that your ins didn't pay.) Also, you could ask the front desk to help you send an appeal to your ins company. They have experiences and resources you don't. It's part of their job to help you with ins. Also, once you pay your bill, they will be more inclined to help you and your ins can reimburse you or the dental office if they end up paying for your cleaning. Good luck!
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My dental insurance company does not pay for orthodontics treatment since i am over 21...?
Is there any way I can get some sort of reimbursement for getting braces since they are sooooooo expensive. The dependant-only rule is pure BS if you ask me, everyone should get assistane, not just kids.
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Unlike the previously mentioned implants, which by the way can be very esthetically pleasing if sized properly(not too big), orthodontic treatment has several functional , as well as cosmetic benefits. Your insurance carrier is very narrow minded in my opinion if they donot have a benefit for ortho treatment at any age.
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Unlike the previously mentioned implants, which by the way can be very esthetically pleasing if sized properly(not too big), orthodontic treatment has several functional , as well as cosmetic benefits. Your insurance carrier is very narrow minded in my opinion if they donot have a benefit for ortho treatment at any age.
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dental health insurance.?
my husband needs to get dental implants with dentures through aspen dental he has no insurance so i'm looking to find a company that pays for this kind of thing. any ideas where i find this info or any companies that pay for it. the whole thing is gonna cost b/t 8 or 9 thousand.
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Sounds as if a good discount dental plan would help you out here. It is rather late to get dental insurance, as there are waiting periods and annual limits, which in your case would be used up in one visit to the dental office. Dental Discount Plans do not have the limitations that are associated with dental insurance, so you can get the dental work done and receive a discount too. You will want to review the dental fee schedule below to see how much you would save by having AmeriPlan Dental Plan. More info at website:
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Sounds as if a good discount dental plan would help you out here. It is rather late to get dental insurance, as there are waiting periods and annual limits, which in your case would be used up in one visit to the dental office. Dental Discount Plans do not have the limitations that are associated with dental insurance, so you can get the dental work done and receive a discount too. You will want to review the dental fee schedule below to see how much you would save by having AmeriPlan Dental Plan. More info at website:
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Stinky Dead Tooth! No Dental Insurance! Any Thoughts?
A tooth of mine was given a root canal 2 years ago and needs an extraction. However I have no insurance and the tooth is just sitting there dead and rotting. Ew. Now I am getting very self conscious that the tooth has an odor, and want to figure out some way to deal with this. I cannot afford to go to the dentist....anyone have any thoughts on the home treatment of a dead tooth's odor? Thanks!
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there really is no remedy for that besides either pulling out yourself, which is dangerous, incredibly painful and stupid, or going to see a dentist. Try to save up some money and find a dental school near you. they usually charge less for these procedures. Other than that just use a lot of mouthwash and chew lots of sugarfree gum.
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there really is no remedy for that besides either pulling out yourself, which is dangerous, incredibly painful and stupid, or going to see a dentist. Try to save up some money and find a dental school near you. they usually charge less for these procedures. Other than that just use a lot of mouthwash and chew lots of sugarfree gum.
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Do you know a remedy to STOP dental pain?
My boyfriend has dental pain stemming from the nerves in his gums. We have tried anbesol, clove oil, salt water rinse, we took him to the dentist and got antibiotics and pain medication, dentist says he needs a root canal but we cannot afford a root canal and we don't have dental insurance. Does anyone know anything else that will hold the pain off (that we can buy over the counter) till we can get the money for his dental work?
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this is going to sound silly but rinse your mouth with vodka. it will burn for a minute but it will work for days afterward. you dont drink the vodka so you can buy the cheap stuff. a half pint bottle will last for months. my husband had the same problem and was amazed that this really worked. he was skeptical as he is a non drinker. you may also want to check with your local health department they will tell you where you can get dental work done based on your income.
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this is going to sound silly but rinse your mouth with vodka. it will burn for a minute but it will work for days afterward. you dont drink the vodka so you can buy the cheap stuff. a half pint bottle will last for months. my husband had the same problem and was amazed that this really worked. he was skeptical as he is a non drinker. you may also want to check with your local health department they will tell you where you can get dental work done based on your income.
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