Thursday, March 31, 2011

Pay for braces for child (child support) when supplemental insurance has not kicked in jet?

We pay child support for my husbands daughter and provide all medical and dental coverage. We also recently got supplemental insurance coverage which will cover her braces if needed. We told my husbands Ex that the supplemental dental insurance will not kick in till after a certain amount of time. We now just received a bill for his daughters braces. His Ex didn't wait till the insurance kicked in and got the braces done now. She wants us to pay for the whole sum. What amount exactly are we obligated to pay? We want his daughter to get her braces and have nice teeth but I'm a little upset that his Ex didn't wait till our insurance kicked in! Could we decline to pay since she didn't wait for the insurance?
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Get a medical loan, pay it for the braces, and then take the loan to court regarding payments for your ex since it sounds like it should be a 50/50 deal. http://www.fhf.co.za/covered-medical-pro…
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free or low cost dental work at college or university.?

So I have no dental insurance like most young 22 year old college students living on their own with little money in their account. I need to get my wisdom teeth removed. I don't go to georgia tech but I live near by and I found out that they do have a dental program. I'm wondering if they take volunteers to do work on by the students for a low fee or maybe free. Where would I go to find out if they do take volunteers. Not just G tech but for any college in general. At this point I don't care if they are students so I don't mind that they are inexperienced. Plus they are always supervised by licensed instructors anyways so if something goes wrong or the student backs out they can take over. -So is their a good website to find out such information - Should I go to the college to find out, if so what part of the college should visit. - or should I just kick in the do waiving the fo-fo and demand action, lol.
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I was in the same situation when I was in college also years ago. I would encourage you to visit this site: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago now and they have saved me thousands on all services. From exams, crowns, fillings, cleanings...etc. All services are included in this very affordable plan. They even had my benefits active in 2 hours and was able to use it the very same day. I hope this helps.
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why is it there is no emergency dental care available like there is for medical such as an er?

Over the years I have paid for plenty of dental work. Root canals that failed, extractions..when I had the money I paid for it myself. At this time I have no dental insurance and am unemployed. My dental issues are affecting my health so badly that some days I can barely function. I am beyond extractions and need an oral surgeon. The problem is that they all want a pay as you go plan. Really and how do I do that if I am unemployed?..There is no dental Medicaid for my age group. And though I am currently seeking employment I can honestly say that days have I missed from my previous job were due to my teeth causing me health issues. I have been trying to jump through hoops to get help with this and I feel like its all about money. Last year an er doctor even wrote in my follow up paperwork that I can and will die from the abscesses I have if I do not get into an oral surgeon. Do oral surgeons not follow the same guidelines as doctors when it comes to helping people?...I would think they would want to save people not stand at the door and slam it in your face if you don't have cash even if it is life threatening..I am going to die from heart disease oe something from this crap all because I am..poor. Also it is almost a year later and I still have infections in my mouth I am tired of going to er's and clinics for antibiotics and they are tired of seeing me. If I had a dime for every time they told me to get to an oral surgeon I would be rich and have dentures by now.
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KIM, I EMPATHIZE WITH YOUR SITUATION. FOR SEVERAL DENTAL PATIENTS THE WISEST AND MOST BENEFICIAL CHOICE IS TO EXTRACT ALL AND HAVE BEAUTIFUL DENTURES. UNLIKE MEDICAL, DENTAL IS NOT IMMEDIATELY LIFE-THREATENING, SO THERE ARE NO DENTAL ER TO VISIT. DENTISTS DO OFFER EMERGENCY TREATMENT ON A CASE BY CASE BASIS, BUT A THROUGH PLAN MUST BE DISCUSSED AT THE BEGINNING AND YOU MUST BE THE BOSS OF YOUR OWN MOUTH AND CONSIDER THE OUTCOME OF WHAT YOU DECIDE IN 5, 10, OR MORE YEARS. I SENSE YOUR ANGER AND DISAPPOINTMENT WITH DENTISTRY. PLEASE BE EMPHATIC WITH ASKING THE DENTIST FOR WHAT YOU WANT. TEETH ARE VERY NICE TO HAVE WHEN HEALTHY, BUT THEY AREN'T REQUIRED FOR LIFE. CONSIDER DENTURES.
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Can you guys tell me whats going on with Obama's Health Care Plan?

I really need to know whats going to happen with Obamas plan, because i am looking for dental insurance any advice?
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It's kinda bogged down while the Republican legislators wait for word from the insurance companies and the medical establishments.
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If you have no insurance, and limited money, and needed your wisdom teeth puller, what would be your options?

Student, and my dental condition sucks.
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I was in the same situation about 3 years ago. I could not afford to pay the full amount because I was in college. I would encourage you to visit this website www.healthsavings.ourperfectcard.com I signed up with them online about 3 years ago and I saved up to 80% off the regular price on all services including exams, xrays, extractions.. etc. I still have them and they are extremely affordable. They had my benefits active in 2 hours, so you could go later today and not pay the full amount. Good Luck and Hope this Helps
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Tingling sensation in one tooth. Is it a cavity or just simply sensitive teeth.?

I have a filling in that tooth and it's been feeling funny lately. I don't have dental insurance and don't want to spend money. Does anyone know what it is? Thanks!
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The answer is simple: go to your dentist to get an x-ray. That is one way to tell. Is your filling the "silver" filling and how long have you had it? The other way is still to go to your dentist and have him/her to do a sensitivity test on it. Other than that I suggest that you use Synsodyne toothpaste or if you're money strapped, then go to the dollar store and they have some sensitive toothpaste there. Good luck because your teeth are nothing to play with. It will cost you less money, if it's a cavity, to get it done now than to wait and do it.
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where can i get really affordable dental work?

I went to the dentist less than a year ago and was told i have 2 root canals,and some other pretty serious work that needs to be done.At the time i was on my girlfriend's insurance and it was really good coverage,but she lost her job due to the struggling economy,and now i have to pay out of pocket.I don't have good credit and my teeth are really bothering me.Can anybody help me?I Live In Madison,Wi
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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 now and they have saved me thousands of dollars over the years. From crowns, Cleanings, root canals, extractions, xrays...etc. all services are included in this very affordable plan. They even had my benefits active in 2 hours and was able to use it the very same day. good luck and hope this helps.
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I'm a 24 yr old female, and I am looking for health insurance.?

I'm single and I don't have any kids, so I just need something to cover the basics like medical and dental and at a somewhat decent price. What do you suggest? Which health insurance provider do you use? What do you like or not like about them?
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The basics, with a low deductible, no dental and no vision, are going to run you around $250 a month. I haven't seen a private dental or vision policy that pays out more than it costs. I'd suggest you get quotes from a local, independent agent who can help you weigh coverages, deductibles, and cost. Buying off the internet is a great way to get scammed.
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Do army wives get FULL insurance coverage?

like dental, medical, and vision? I am getting married, and i need to know if i can cancel my regular insurance.
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no dental for the family it's 40 a month and I am not sure about vision as long as you live on post and get tricare prime you get full med
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does target offer health insurance to employees?

i am thinking about applying at target's pharmacy and would like to know if anyone has worked full time there or been offered a job there full time, and knows if they have health insurance and knows if it's any good. i have 2 kids and myself and i need the whole deal- medical, vision, and dental, and not at the price of half my paycheck. i need to get off medicaid and foodstamps, but not at the cost of my children and my grades at school.
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Yes, they have health insurance. However, it isn't free. My wife worked for Target at one time, but we didn't buy the health insurance, so I'm not big into the details.
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how to tell how much a dental procedure will cost with 2 insurances?

Last year I got a root canal at a dentist and they were able to tell me how much it would approximately cost after running it through both of my insurances. Now I moved to a different city and went to the dentist and was told I need a root canal and some other dental work. I asked if they could run it through my insurances to find out the estimation and the secretary seemed really busy and told me to call myself because insurances sometimes do not share that information with providers. I am stressed because I don't know how to talk to my insurance about dental procedures. Is there a way for dentist offices to find out an estimated price using two insurances? Also I have noticed prices for root canals range from $612 to $780 and was wondering if they are all about the same price after running it through the insurance? The "before" insurance price on this dental work is $2,500 and I would love to know the "after" using two insurances price before going in. Is it normal for dental offices to tell patients themselves to call to get an estimate? or are they suppose to find out for the patient?
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The dental office should either have all the information on their computer, especially if they deal often with the insurance company. Other wise they should have the contact phone numbers to call and get the information. And lastly if the insurance company has questions and needs to see any x-rays or have the paper work for a pre authorization, the dental office can provide them with it. It is a responsibility for the dental office and not for the patient to have to assume. If they refuse to provide this service for you, I would switch to another office. Good luck.
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I need to find dental care in portland oregon?

Hi, i'm an unemployed student in portland and i want to get a few cavities filled. I don't have any insurance. Does anyone know the best way to go about getting financial assistance for this?
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The level of assistance you can get may depend on the provider, so you may want to call a few places to see if they have a payment plan or a way to help you afford it more easily. Here is a list of them in the area.
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Is there any free dental care for low income?

I need parcel dentures, however my cost after insurance is 1400.00. I dont have the money and I dont have a credit card. I need this soon I have a few tooth that will come out on there own
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No there isnt, you will need to go to a dental school for treatment, remeber you do pay but less and there are long waiting lists
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Why isn't dental coverage considered a right by the caring democrats in Congress?

Since they want to mandate that I purchase my rights why doesn't that include dental insurance?
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Absolutely, if they are going to force rationed health care down our throats and fine & jail us if we don't pay- I want it all! There has been plenty of Research to link bad teeth resulting in medical disease processes such as sepsis, diabetes and Chronic hypertension. Yet, we all know this is not even about health care as much as it is about owning a very lucrative part of the American Economy- they want to own it all, we are just measly pawns in their game to be discarded.
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how can a person get extensive dental work done if they are on medicaid, medicare and limited income?

Can they get private dental insurance and not lose those benefits?
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Married lady I would have loved to answer your question, but I do not have enough information, therefore I will speak in general terms. I need to know what state you live in, and what treatment you will require, and your age. over or under 21? I will speak generally. Medicare part-B has a blanket exclusion for dental services, unless they are being done as a result of an existing condition, or accident. i.e., if you needed jaw reconstruction after an accident, or reconstruction after cancer in the mouth. Most states offer dental coverage for all medicaid recipients. You would have to find a dentist who accepts Medicaid, and get an estimate for the services. Another option you may consider is the local county hospital often they have indigent healthcare programs which will pay the residual costs after Medicare and Medicaid. Another source is a dental school most dental schools have clinic days where they offer assistance to the public. You also have to option of purchasing private dental insurance or buying a Medicare Supplemental policy that offers dental care. If you buy a Dental policy, it will not affect your medicare benefits. However, it will affect your medicaid dental benefits, as both companies would work together and coordinate care and payment for your services. Good luck.
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root canal needs to be redone in my molar tooth, but I have no dental insurance and just lost my job?

I did a root canal on one of my molars 2 years ago, everything was fine, but recently I have started to experience a pain when I drink something hot. My general dentists advised me to see a specialist, but I don't have money to do it. I started drinking antibiotics and pain and sensitivity went away for 3 months. Now the tooth hurts more, I can feel hot and cold water, and sometimes it hurts in the evenings too. I wonder if there is some good dental plan I can buy, that can help me to save money on health insurance in California, or maybe there is some dental insurance I can buy. I am from Ukraine, so I am thinking maybe i should buy a ticket home and fix my tooth there, however I am registered for classes in the university and I don't want to put my life on hold because of this trip. To cut a long story short, I just really need a good advice on what should I do. I want to save a tooth, and I am not even thinking about pulling it out so don't advice me that option please.
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If you are under 21, you can apply for Medi-Cal and Denti-Cal. http://www.dhcs.ca.gov/services/medi-cal… "Drinking antibiotics" is bad for your body, and if you keep doing it, your body will build up an immunity to the antibiotics.
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How long does it usually take for my insurance company to reimburse the dentist?

I had a root canal done last week that cost $916. I have dental insurance but the dentist wants me to pay now and then he said he'd sign the insurance check over to me once he receives it. I was just wondering how long it takes the insurance company to issue a check.
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It usually takes about 2-4 weeks after the claim is filed for the dental office to receive insurance payment. However, if the insurance requests additional information (ie. x-rays, narrative) from the dentist, it may take longer depending on the response time. You should receive a copy of the insurance explanation of benefits (EOB) a few days before the dentist receives their copy. You can also call your insurance to check on the status of the claim to know if its currently or already been processed. If the insurance tells you it's pending additional information from the dentist, you can call your dental office and let them know to hopefully expedite the process. Hope this helps.
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I need to purchase medical/dental/vision insurance for myself, please help!?

I would like to spend under 100 bucks per month. I know this will get me be the bare minimum, but oh well. I am currently employed as an independent contractor.
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I have very good luck with a discount medical plan that covers chiropractic, medical, dental, vision and prescription. It is only $19.99 per month. Actually what I used to pay for insurance including co-pays and deductibles, I am better off with the discount thing. They even have a hospital advocacy program. Here is the link for it http://www.mybenefitsplus.com/cmcdowell Hope it helps! Good Luck.
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Is it possible to get my health/dental insurance back again once I go back to being a full time student?

I'm dropping out of two classes so I will only be a part time college student and will lose my medical/dental insurance that I had when I was a full time student. Also my parents were paying for it. Once I go back to becoming a full time student next semester, can I get it back again?
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Yes. Up to the age of 25 I believe.
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Pre-existing condition / Diabetes for Group Health/Dental Insurance?

The last time I saw my doctor for my Type 2 diabetes in the U.S. was in August, 2003. I went overseas soon after that and didn't come back until recently (I didn't have coverage during this whole time). I just got a job which offers group health insurance, does my diabetes counts as pre-existing condition. (I'm choosing a BCBS PPO plan), and can they impose exclusion period? I live in Pennsylvania, and according to my research, Group health plans in PA can count as pre-existing conditions only those for which you actually received (or were recommended to receive) a diagnosis, treatment or medical advice within the 6 months immediately before you joined that plan. So it appears to be that I should have no problem if I go to see my doctor for my diabetes right after my policy become effective on Jan. 1st, 2008, right? I want to make sure. Similarly, I had dental surgery for gum problems in 2002, will my group dental plan look back 6 month only? Thanks for your answer
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If you have diabetes you've had "treatment" for the past 6 months, even if it was just diet to control your blood sugar. So yes, the insurance company will consider that a pre-existing condition. Also, if you have any type of health condition, even if you haven't had any treatment, it is still considered a pre-existing condition. However, it also depends upon the BCBS group plan. Group plans can be tailored in any way (unless it's contrary to state law) so the only way to know is to contact the insurance company or your company HR department.
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HELP!! Emergency dental issue.. I cracked a front tooth right down the middle & no insurance!PLEASE HELP!?

Somebody please be my guardian angel here! any help at all is much appreciated.. i'm in tears and a sitting duck at this point.......... i'm a ft student, don't have dental insurance, and am supporting myself as best i can. I drank a lot of soda as a kid and long story short, i have quite a few cavities. I brush, floss & waterpik daily but I guess the damage had been done. My tooth right behind my canine, or maybe it is my canine (not sure) got a cavity right in the center of it and even with me caring for it daily has grown and grown to literally become what can only be described as a hollow tooth I guess. Well this morning while eating it finally cracked, of course the half that fell away was the front part of the tooth. Now it looks like i'm missing a tooth entirely. =* ( I don't have insurance, and barely have the money to get by day to day. I work and go to school full time. I'm hysterical and desperate... ANY advice, suggestions, ideas, ANYTHING anyone can offer is GREATLY appreciated. I'm only 24 and i'm lost on this one. Forget smiling, even when im just talking you can see it clear as day. =* ( I live in the greater los angeles area, can anyone point me in the right direction? I'm seriously desperate. Thank you for taking the time to read this, either way. please, ANYTHING!
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Go to a local dentist and schedule an appt, they will tell you everything that is wrong or that you need to fix and you should be able to set up a payment plan. Make sure that the dentist that you pick sets up payment plans before scheduling the appt. Most dentists do, so you should not have a problem.
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Was just offered a really fun job, but i'm giving up a good income. Should i take it?

I was just offered a job in an exciting and fun career. I would be using this as a stepping stone to a better position eventually. However for now I will be quitting a job making over 100k a year for this one that pays 25k a year. Keep in mind that I also lose my medical/dental insurance. This job would be perfect if there wasn't the short term cash flow loss. Any input or advice?
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Ya , think of all the fun you will have when you need a doctor or dentist ! The pain will be euphoric . You can build up a tuff guy image by doing your own surgical procedures . Not to mention , at $25K , you'll have your pick of slum housing and the 50 cent box of mac & cheese for dinner . Oh , wait , you can just do top ramen again forever . Plus , there is that SIgned and notarized contract for the better job later , ya . . . So what do you consider so fab , that you would take a $75,000 pay cut ? Just seeing if you are legit or just stirring the shiiiiiiiiiit . >
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does anyone know of an affordable dentist in San Diego?

I chipped my lower tooth around a week ago it's not a big chip but it has been bothering me. I don't have dental insurance and was wondering if anyone knows of an affordable dentist in San Diego?
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http://www.shirleybakerdentists.com/
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Why would a small tooth fragment protrude where a wisdom tooth should be?

well i have about three of my wisdom tooth coming in, but the one that hasnt came through recently had a small fragment of tooth poke out( which i though was the tooth) but then i played with it a little and it fell out! i dont know what to do if this is normal or not, i also dont have dental insurance, advice would be appreciated ..thanks
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this was not a piece of tooth. it was a piece of bone. sometimes when the wisdom teeth are moving through the bone, you will get little bone shards. this is perfectly normal and nothing that you need to see a dentist about.
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