Wednesday, February 2, 2011

If someone is in the US on a work visa, how would they go about getting private insurance?

I have a friend who is in the US on a H2B work visa, he needs insurance (medical and dental) but since he works at resorts and transfers pending the season (winter he is in Florida, summer he is at a different location) he is unable to get it through an employer.
--------------------
Yep, he's probably not going to find anyone to sell him a REAL policy, anyway, privately. Although someone is probably going to offer to sell you a "plan". Assuming he's got stuff he needs to get checked out, or work done, those are "preexisting conditions" and not covered anyway. Insurance is done on a state by state basis. That "different location" likely he wouldn't be covered in, depending on where it is. He can TRY with a local, independent agent. But I"m guessing, as a traveling entertainer or whatever, and only here on a VISA, he's not going to get anyone wanting to cover him.
Source

I need emergency dental care ASAP! But my insurance doesn't cover dental and I have very limited funds. ?

I live close to Nashville,TN and I have a tooth that is in really really bad condition, needs to be pulled ASAP! Problem is, i'm 22 and my insurance is Americhoice/Tenn-care. And doesn't cover dental. I'm currently unemployed and my fiance makes enough to take care of bills and stuff, but we don't have the money to pay for dental work. I need to know where I can go for such situations, where I can get dental work done without the ungodly prices! Its really severe, and needs taken care of immediately. Please Help!
--------------------
i know it's lot of pain, you can go to dentist and talk about finance plan for your dental problem these days most of dentist carry a finance plan like a GE money bank dental credit card with 1 year no interest, might be in your area someone has a like that, call them from yellow pages and ask them for the discount and any credit plan. good luck.
Source

have dental problems and no insurance?

i need alot of work done, have only a few real teeth, would like 2 have dentures. How can i get work done when no insurance
--------------------
read about dental help When you don't have money to get the care you need: http://www.nlm.nih.gov/medlineplus/finan… http://ask.hrsa.gov/pc/ http://www.omhrc.gov/templates/browse.as… http://www.hrsa.gov/help/default.htm http://www.thefrugallife.com/medicalalte… http://www.google.com/search?q=Free+Low+… Free and low cost prescription medication: http://www.nami.org/Template.cfm?section… http://www.themedicineprogram.com/links.… This is about FREE hospitalization, if you need it and they WILL help you! http://www.hrsa.gov/hillburton/default.h… Hill Burton Hotline 1-800-638-0742 (1-800-492-0359 in Maryland) In 1946, Congress passed a law that gave hospitals, nursing homes and other health facilities grants and loans for construction and modernization. In return, they agreed to provide a reasonable volume of services to persons unable to pay and to make their services available to all persons residing in the facility's area. The program stopped providing funds in 1997, but about 300 health care facilities nationwide are still obligated to provide free or reduced-cost care. http://www.hrsa.gov/help/default.htm How to apply for Medicaid or medicare http://www.cms.hhs.gov/MedicaidEligibili… http://www.aarp.org/money/lowincomehelp/… For information about Social Security, Medicare, and disability benefits, call the Social Security Administration at 800-772-1213. http://www.ssa.gov/ For information about Medicaid, contact your local social service or welfare office. You can also find information about Medicare and Medicaid at www.CMS.gov How To Pay for Mental Health Services http://mentalhealth.samhsa.gov/publicati… http://depression.about.com/cs/findadoc/… Additional Public Benefits for Families Raising Children: http://www.nlm.nih.gov/medlineplus/finan… DENTAL HELP: Free or low cost dental care United States http://www.nidcr.nih.gov/NR/rdonlyres/53… http://www.raconline.org/info_guides/den… FREE AND LOW COST DENTAL HELP FOR DENTURES , BROKEN TEETH , PAIN , ETC. http://dental-assistance.app-sl-1.aidpag… Need eyeglasses or eye care? http://www.nei.nih.gov/health/financiala… http://www.uniteforsight.org/freeclinics… How to Get a Free or Low Cost Pap Smear, The National Breast and Cervical Cancer Early Detection Program provides free or low cost Pap smears to eligible women across the country. Through this program, uninsured and impoverished women can receive Pap smears at local clinics and doctor's offices. Here's a list for every state: http://cancer.about.com/od/screeningandd… Where can I go to get free or reduced-cost prenatal care? You can call this number if you need free birth control help, too! Women in every state can get help to pay for medical care during their pregnancies. This prenatal care can help you have a healthy baby. Every state in the United States has a program to help. Programs give medical care, information, advice and other services important for a healthy pregnancy. To find out about the program in your state: · Call 1-800-311-BABY (1-800-311-2229) This toll-free telephone number will connect you to the Health Department in your area code · For information in Spanish, call 1-800-504-7081 · Call or contact your local Health Department.
Source

What types of insurances are there? I know there are dental, life, and vision. What else? Looking for a list.?

I don't want: Health, vehicle, house. I want specifics. What types of health insurance- dental, vision, what else????
--------------------
There's major medical which covers only hospitalization and accidents. Other than that, you have the list already in your question. There isn't any more than that! What are you looking for? There are different types of coverages for health. You can have riders which cover long term health care, such as extended nursing care, or other situations.
Source

Health Insurance Providers for small business under 50 employees in Bergen County, NJ?

I'm looking for recommended health as well as dental insurance providers in Bergen County, NJ for a small company of only 8 employees..... Can you recommend the names of Health as well as Dental Insurance Providers in Bergen County NJ????? Thanks
--------------------
I was recently trying to do the same for Monmouth county NJ. I was extremely disappointed because the quotes they gave me were not any better to if my employee's would buy their plans individually. I think it were Aetna, Oxford, the third one I don't remember. Plus big chunk of paper work for me. You can try to obtain quotes your self. Maybe they have something better for Bergen County. http://www.healthinsurance.medgrip.com Good luck.
Source

Medical Insurance will not cover Dental Procedure for autistic son?

I have a 7 year old autistic son. He had a cavity and the dentist could not get into his mouth. So she told us to have it pulled. Of course he wouldn't let them in his mouth. They said my insurance would cover the cost of him being put to sleep, they would pull the tooth, do a cleaning, and put on sealant. Now I am receiving bills for this. The dentist put it in as a dental procedure not covered under my dental plan. So i had them put it in as a medical and still nothing. Can someone help me? It was not cheap. I pay a lot of money for insurance and not to get coverage is killing me! Please help. Thank you, Jessica
--------------------
You should have recieved an EOB (explantion of benefits) explaining what was payed for. If the doctors office submitted the claim with the wrong procedure code then his office is in error. You need to call your dentist tell them that they entered the code in wrong and have them resubmit the claim with the correct procedure code. If they do not fix the problem kindly ask them for a copy of his Treatment plan and a copy of all the work that was completed on your child, then you call your insurance and dispute it, you will have the proof of what was really done. You stated that they said the insurance will cover the cost of him being put to sleep, but did it cover the cost of the extraction as well? You have to make sure you didnt max out on your insurance, if it was maxed then the remaining balance is your responsibility.
Source

No Job, No insurance, but I need dental work done. Are there dentists that will just bill you monthly?

Hi, I don't have a job and I don't have insurance. However, I do need dental work. I'm 23, and I need this work done asap before I start losing my teeth. I've always taken care of them, but I've never been fortunate enough to receive professional care as well. So my situation stands like this: I've no insurance, and I've no job. I can't at this point, take out a line of credit. The best thing for me to do I think is to sign up with a dental plan, go to a dentist, have the dentist make sure he accepts the plan, do the work I need, bill the dental plan, and then bill me the remaining balance the dental plan wont pay. Then I can make monthly payments. Sounds good? I just have no way of paying the lump sum of the procedures nor taking out a credit line. Is my theoy at all plausible? Can a dentist bill me monthly instead of requiring me to come up with all the money upfront? Thanks!! I live in Springfield, Oregon
--------------------
You can easily check your minimal health care rates in internet, for example here - health-quotes.talk4fun.net
Source

How can I add my exwife's insurance to her acct. for our kids dental, in addition, to my dental ins. in use?

She uses my dental coverage as primary. She doesn't use hers, but I know it is effective. She maybe filing without my knowledge and pocketing the extra I pay due to the lack of her using it as a secondary through the dental office. I believe she is paying then submitting the bill to her insurance on her own for reimbursement. For example, if my insur. covers a 3rd of the cost, we have been splitting the remainer with me sending her my share of the bill. Whereas, if she has her insur. too, she submits the bill for her 3rd it would cover too. So, how do I find out for sure if she is filing claims or have it added to her dental account for our kids? Thanks and BTW I am not a deadbeat dad. I think she has been scamming me like this for a long time and I have just naively sent her checks for the medical and dental bills. Things have gone smooth for her until I decided to mail the money directly to the dental office and then they started calling because I had overpaid. So now what do I do?
--------------------
Talk to an insurance agent. They usually don't charge for consultation. And your policies with have specific limitations.
Source

friend needs dental work, no insurance?

what can she do? she lives in MD, said she needs exstensive work done, and the dentist said he couldn't help, she is only one of 98% of people who have the same prob.
--------------------
Is there any possibility that she's eligible for medicaide or social assistance (i.e., welfare, Jewish Family Services ... she doesn't need to be Jewish to get help!)? That would be the first thing I'd check into, if I were her. There are some dentists that work with a program (I forget the name) that finances dental work...kind of like a credit card, but only for dentists. She might look into that too. Finally, she might check with local dental colleges. A lot of them will do low-cost or free dental work in trade for the experience. It may not be the BEST option, but its better than nothing at all. This is one link I found: http://www.oea.umaryland.edu/gov/communi…
Source

Air Force dental benefits for spouses?

My spouse is a civilian depedant and Im an E3 in the AF active duty. She needs 2 tooth implants eventually..will our dental benefits cover this? Or will I be looking at paying out of pocket. Before we got married we found a dentist that would do it but it was $1500 a tooth under her own dental insurance. Anyone have any experience with this issue? Please dont tell me to look it up, Ive already tried. Thank you!
--------------------
Okay, if you go to http://tricaredentalprogram.com and then click "Enrollees" and then "Benefits" and then "Dental Implants" there is an explanation. You can also call 1-800-866-8499 for one-on-one help from a benefits counselor. If you are OCONUS it's 1-888-418-0466. Please call them for help; they will give you the accurate answer for your situation.
Source

Military insurance Question... DENTAL?

I NEED teeth implants... My Husband has just joined the airforce and I need to know if the Insurance will cover Teeth Implants... I was born and got all my BABY teeth but when it was time for Adult teeth I was missing 12... Everyone in my family has there teeth.. Well I wear a retainer with a metal bar acrossed my teeth with fake teeth attached but I need real teeth.. Implants.. Does anyone know if The military insurance will cover it?
--------------------
Once your husband gets into the military and buys dental insurance you will be able to get implants... The one bad thing about our dental is that you will have a pretty big co pay for certain work done to your teeth.
Source

Anyone know good cheap dental plans?

I have a few things that NEED to be done to my teeth, the lovely government wont gimme medicade and I cant afford health insurance, cmon now, Im a single mom that makes 13 thou a year.... I am just looking for a dental insurance that I can get for a few months to get my teeth back in order.... any ideas?
--------------------
Try http://www.dentalplansignup.com . They have over 30 plans to choose from. I'll be honest some are not good. But I found one that was very resonable and worked out for me. Best of luck.
Source

Insurance problem.m a dental doctor, I did some implants of a patient almost a year ago,?

Here is what happened: Im a dental doctor, I did some implants of a patient almost a year ago, at that time he said he didn't had any insurance and he paid us cash, coz it was my earlier part of dental practice, so I gave him a lot of discounts and all that. Now after 9,10 months that patient said that he had an insurance(so basically he lied earlier) and we should file the claim to his insurance for all that treatment he had that time. Since he has a very poor insurance plane so if we do that now we will have to pay him back a lot since his insurance cover very little in dental portion. I called his insurance and they said we have to file the claim, this is our only option. Any help?
--------------------
You have no obligation to file an insurance claim on his behalf. Additionally, once six months are past, most insurers won't accept the claim. You need to put his account through collections. Sue him for it. He lied, about the insurance. Now he'll have to pay.
Source

What is the best dental program in CO?

I am looking for the best dental discount or insurance program in Colorado?
--------------------
You need to take a look at AmerPlan Discount Dental Program. I have it and enjoy it. Lots of other benefits along with dental. You choose the dentist...they will help you find them. Great savings! See for yourself...Click on Source Below.
Source

Does anyone know where I can find a discount dental plan??

My employer does not offer dental insurance, and I have a horrible cavity that needs to be folled, and I dont think I can afford to pay for it all, I need some kind of discount plan or card. Can anyone help????
--------------------
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 very good 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.
Source

Can you get a payment plan from a dentist, even if you have insurance?

I have cavities that I need filled and one really sensitive tooth, but I don't have the money to pay for it all. I'm planning on getting insurance through Humana Dental, but even with it I can't afford it. What are the chances of getting a payment plan with insurance?
--------------------
I could only do it by having my teeth fixed beforehand, in other words the dentist would only start the plan when he was satisfied that there was no work to be done.
Source

I have to get some dental work done and I need advice!!!?

I am 33 and I have 2 teeth (eye tooth and next 1 closer to the front) on the bottom that need work. I do not have dental insurance and funds are limited. My options are to get root canals and crowns on both (which I'm not sure I can afford) or to get them extracted and get a partial with would be cheaper so that is the direction I am leaning. I am a mother of 5 and can not see spending an excessive amount of money on my teeth.
--------------------
I guess the pros and cons are: -Crowns look much more natural, although a well-made denture isn't too bad. The teeth in question are near the front, but perhaps your lower lip covers them anyhow when you smile? -It would be easier to chew with the crowns than the partial-Your canine teeth have long roots and are key teeth in sensing your bite so it's good to keep them when you can. Functionally speaking, a denture is a good substitute for NO teeth, and not a very good substitute for real teeth. -The feel of wearing a partial denture on the bottom at the front can take a bit of getting used to -Partial dentures are cheaper, and easier to clean than flossing real teeth -If you have problems with other teeth too, the denture can be made so that if you have other extractions in the future it can be modified to add more teeth -There is no guarantee as to how long the root canal and crown is likely to last. There is a small chance that after spending the money on the crowns, in a few years you may need an extraction anyhow. From your post, you seem to be leaning toward the partial denture, since cost is a major factor. That is the decision that a lot of people would make, so do what you think is best for your situation and you won't go wrong!
Source

Any opinions on West Columbia Dental Center PA in West Columbia, SC?

I do not have dental insurance and i need my teeth pulled is there any dentist that will let me make payments. I tried carecredit and was turned down ,i need something help!
--------------------
Well i live in columbia and what u should do is look in the phone book like i did and call everybody till u find some one that well accept u but in my case i went to childrens dentist because i'm under 20.
Source

When will I get TriCare insurance?

My hubby is in AIT school right now and I was just wondering when will I get TriCare insurance? I haven't gotten any paper work or anything on it(I did get paperwork for dental insurance a while ago). I am under my own insurance for now but I'd like to know when I will get it. Thanks!
--------------------
Your Tricare coverage started the first day you were entered into DEERS. You are on Tricare Standard where you go to a civilian provider and have a yearly deductible and a co-pay for each visit. If you want to change to Tricare Prime then you must have your military ID card and change through the closest office. With Prime there is no co pay or deductible and you are seen at a Military Clinic or Hospital. http://www.tricare.mil If you have your own insurance then Tricare is secondary and will pay whatever isn't covered by your insurance. If you want Tricare to be the prime carrier then you need to drop the other insurance. You will not get anything in the mail unless you sign up for Prime. You just need to go to the website find a provider there and tell them your husband's SSN.
Source

My job is trying to take out money from my check for my dental/vision insurance all at once!?

I work at a Dr's office and we have Unitedhealthcare ins. they pay for the medical and we are responsible for dental/vision, which is supposed to get taken out of our checks every pay period. The problem is since the beginning of this year we changed over to another ins. company and payroll, and the lady that is handling the ins. hasn't sent over the paperwork about our ins. (dental/vision) to the lady that does our pay roll. The manager said that when the money starts getting taken out of our check they will take out from the previous months all at once, so this will be quite a bit of money at one time out of our check. I just want to know if anyone knows if they are allowed to do this it does not seem right to me for us to be punished for someone else's mistake.
--------------------
Yes that's allowed. You had the coverage for those previous months and they are entitled to get paid for that. Since you know it's coming - start setting aside a little money from each pay check. That way, when the deduction happens - it does not hurt you so bad. It also sounds like its a one time thing. Then it goes back to being a monthly deduction.
Source

i live in crystal lake illinois and i need a recommendation from anyone out there on affordable dental insur?

can anyone help us get a reputable yet cost effective dental insurance,
--------------------
I live in the same region, and I recommend Camp Crystal Lake Insurance. They helped me when my teeth got punched out by a Palestinian commando.
Source

Where can I get dental work with no insurance?

Hi does anyone know where to go to get dental work done at a low cost with no insurance....I have called parkland and they are not taking appointments until March 2009 and I have been told to call Baylor but it is busy and says they only take appointments on Wednesday....it is busy all the time..not sure if you can just go up there and wait? I need a root canal on my lower bottom tooth but I am at the point where they can pull this thing out!!! Any suggestions or help would be greatly appreciated.
--------------------
Maybe a visit to this site will help: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago now and they have saved me thousands of dollars. From extractions, xrays, cleanings..etc. All services are included in this very affordable plan. They even had my very affordable benefits active in 2 hours and was able to use it the very same day. hope this helps.
Source

Mature poll: (yes, yes, I know) Do you have enough medical insurance?

I don't. It's so expensive. And that's even when you can get a good group plan and your employer pays 2/3 of the cost. And don't get me started on pre-existing conditions. Oh and dental insurance is a joke.
--------------------
No I do not even though I have a license to sell Insurance. Stupidly enough I have had to go to the emergency room twice this year for the first time ever. I am still paying on the over $1000 in medical bills. So whatever became of Obamacare?
Source

If a dental office already started doing some work on your teeth (w/insurance).......?

But then you decide that you don't want to go there anymore, will your insurance still cover if you go somewhere else, or do you have to finish what they started at the dental office that you first went to??
--------------------
That really depends on your insurance plan. Call your insurance company, explain your situation and why you want to switch dentists, and let them tell you how to go about doing it so that the costs remain covered. It could be as simple as they just need to know in advance!
Source