Monday, April 4, 2011

Affordable health insurance in NC?

Hello everyone. I have been a few months without health insurance and I know I need it. I am looking for some affordable insurance, health, dental, and possibly maternity? I am not pregnant but I want to take some preventative measures just in cause, I know it can be expensive. I keep looking but $700 and such a month is really not in my budget right now. So does anyone know of some cheap insurance? I'm in NC. Thanks everyone!
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Contact an insurance broker. A broker works with several companies, and can find the best policy and terms for you. To find a broker in NC, log on to a website like http://www.healthinsurancewiz.com and fill out a form requesting a free quote.
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HELP!!! How can you cure bad breath??!! I need a cheap cure for bad breath that is likely due to a cavity.?

I think I have a cavity, or maybe my wisdom tooth is messed up, because my husband says that I taste gross when he kisses me, and every now and then, I get stinky breath. I brush and floss, but I have always needed a lot of dental care because of acidic saliva, and apparently my two years without seeing a dentist are taking their toll. I need a quick fix for my breath, because my dental insurance won't be in place until at least a month, and then it still might be too expensive... Any one know of any really good breath cures or mouth washes or ANYTHING??? I am desperate. I really miss being kissed good.
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aww. i m sorry to hear that ...but u really need to see a dentist to get a rx, more than likely. however, there are great toothpastes, like extreme clean from aquafresh...and also use strong mouth wash by listerine. are u brushing your tounge when u brush your chompers?? also try an electric toothbrush, even the cheaper ones do a great job...dont forget to scrub the tounge and floss with a minty floss. and if all this doesnt work, def consult a dentist!!
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Does anyone offer free or discount rates on getting a toddlers teeth fixed?

I have a two and a half year old son who needs alot of caps and crowns on his teeth and even with dental insurance it will still cost close to 3000.00 to get his teeth fixed. The dentist my insurance company covers will not offer any payment plans, she wants all the money up front. And I can't afford this huge amount all at once. But I need to get his teeth fixed soon.
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by age six his teeth are going to fall out, and magically new teeth will appear, whats your rush, dont put your child thru that, it can be torture for him, relax everything will be ok.
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When a girl under 18 becomes pregnant, does she lose the financial support of her parents legally?

this would include health care, dental care, insurance, stuff like that.
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you will continue getting support. you can even get it until your 21 if you stay in school. they really dont have to give you anything. and now its not really there problem that child has a father and it should be his responsibility. they can take you off the insurance any time they want. there is nothing legal about it. they dont have to carry you on there policy. so there it is
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What is the best HARD PHYSICAL LABOR job?

Is there a HARD PHYSICAL LABOR job which has the following?: 1. Good pay 2. Excellent health insurance 3. Excellent dental insurance
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union laboror at a construction site. in my city the starting pay is $30.14 per hour
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What benefits do coroner typically receive?

Like medical, dental, life insurance, etc? It's for a school project.
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They would probably get health insurance, dental, and also get involved with a pension type plan like 401 k. One place you can check for more information is to call the coroner's office for your county to see what additional information you can find. Another place you can check is through the State Department of Health.
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Where can I get a personal loan if my credit score is in the low 600's and my debt is very low?

I am trying to find an unconventional method, I been turn down by the bank and it is imperative that I get a loan or quite possible, I will die (I don't owe anyone, just need to have dental work because I have an infected absess and no dental insurance)
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No one will give you an unsecured loan with a score that low. Personal loans are the hardest loans to obtain for anyone with a score over 750, let alone someone with poor credit.
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Major dental work needed. i am 22 years old and have had crooked teeth all my life?

i do not want braces. i am looking into cosmetic surgery- yes i know it will be extremely expensive especially with the condition of my teeth.i am a student and my insurance doesnt cover cosmetic dentistry- i need help i live in arlington va is there any where i could receive help for cosmetic dentistry? a dental service plan that can help? schools that provide cosmetic dentistry? whatever i jus need major help as soon as possible
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I would encourage you to visit this site. I signed up for online 5 years ago for all my dental needs. www.healthsavings.ourperfectcard.com I have saved thousands since for all dental services. From Root canals, crowns, cleanings, exams...etc. Even orthodontics and cosmetic surgery are included. They even had my very affordable benefits active in 2 hours and was able to use it the very same day.
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How long do crowns last?

I have one 30 years old, its fine, but may not have dental insurance much longer. Should I have it replaced while I still have insurance?
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I've seen crowns last over 50 years with no problems. If you have a low caries index [no cavities in a long time] then you can expect your crown to last and last....especially if it's gold.
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the cost of dental braces check ups in USA?

I'm moving to the States in a month or so, in need of having my braces checked up and tightened on a weekly basis. Not considering the insurance coverage, how much does it usually cost each time I visit the orthodontist? Please do answer.
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I don't think your visa really matters but my overall cost for braces is around $5000 and my parents pay $175 every month. so i think it will the depends on your orthodontist. I don't think you have to pay every time you visit, i think you get an overall price for the whole braces. when you go to your orthrodontist they will discuss a plan with you.
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i have a gap in between my two front teeth?

my family is somewhat poor and we can not afford dental insurance so the government pays for one visit a year to the dentist (canadian government for ya) however they wont pay for braces because i dont really need them and they would only be used to close the gap. so what im asking is if there are any alternatives to closing it .... also what are you personal opinions on gaps?
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Just be the way you are. I'm sure you'll still look pretty with it when you smile! And besides, only a doctor can fill it or 'make it better' and since you can't afford it well there's nothing els to do. Good Luck!
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I have two badly cracked teeth, I fear that I may get some kind of blood poisoning, is my life in danger?

Two teeth in my mouth have cracked over the last year and I am without dental insurance. I need to have alot of work done, however i am also a college student with many expenses, I have heard of people dying because of an infected tooth, the pain can be very severe and at times I do feel tired when i shouldnt or shooting pains in my temples.I have always had minor aches and pains, but could my life be in danger because of the teeth? Please.
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I don't think your life is in danger, but you should consider the fact that the longer you leave this and put of going to the dentist, the more expensive it will be, and the more pain you will experience when getting them repaired. Good luck (I hate going to the dentist too!)
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Does anyone know of a cheap dentist in Bay Area?

Im out of Dental Insurance for the rest of the year and get my braces off in 2 weeks. I really want to whiten my teath but need a reasonable dentist. does anyone know of someone or have got there teath whitened in this area and know about how much it cost?
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What state? What county?
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Does anyone have invisalign or know someone who does?

does it really work? my two front teeth are crooked, one of them is overlapping the other one and i want to see if it would straighten those out. how much on average is it? does Cigna dental insurance cover it?
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Hey, I'm a freshman in high school and I have invisalign. I think invisalign is the best thing since sliced bread, but some people do not like it at all. Invisalign works great, but sometimes it takes longer than braces. For instance, If I had chosen braces I would have had them off 1 month before I end my invisalign treatment. I have 40 invisalign trays to go through, which adds up to about a year and a half of treatment. That is costing my family $5,600. Invisalign is better in my opinion because you can eat whatever you want, you can't see them, and they are better for your teeth's appearance because you don't have the metal mouth and it does not leave stains like braces can. You have to be responsible with them though, not to lose them, and to wear them 24/7. They also can be a pain to clean sometimes, but I got retainer cleaner that works great. I don't know if Cigna covers them, sorry, but if you have any other questions, email me. I'd love to answer them, I definitely think you should get invisalign
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Is it true that you don't necessarily need to get your wisdom teeth removed unless you feel pain?

One of my wisdom teeth are coming in but I don't have any dental insurance or $ to pay for an appointment right now, but I heard that unless they are causing you pain they don't "have" to be removed?
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I do understand about lack of insurance and money. But the thing to remember is even though you are not having pain does not mean there isn't a problem when your wisdom teeth come in. It will depend on how much space is in your mouth for them. And only a dentist can tell you. And if you wait to long to find out you could not will but could end up having more problems than if you get it checked out. Suggestion. Are there any dental schools near you? Sometimes dental school have programs were by people can have dental work done at little or no cost. Now true the work is being done by dental students but a licensed dentist is on hand to oversee treatment. Also check with your local health department. There may be a program you qualify for that will pay for all if not part of your dentist visit. Don't be embarassed to ask for information. It is a hand up not a hand out.
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Does anybody know of any place that will help with dental costs?

I really need to see a dentist because i really think that my wisdom teeth are coming in, but i don't have insurance or a lot of money...does anybody know of any place that will help with dental costs? or does anybody know of any good inexpensive dental plans?
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Try care credit. Most dentist take it. It is like a credit card for your teeth
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How much would this cost, uninsured?

I'm 16 and have never been to the dentist before on account of my mom not having dental insurance because money is really tight. Anyway I need to go to the dentist and have two bottom teeth filled because I have cavities in both of them. I want to know how much the visit would cost and how much the two fillings would cost? I live in PA if that makes any difference.
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Well I am in VA and I had one done last year it was $110 (visit and filling). You could call around and ask, I am sure it varies from clinic to clinic and they will tell you on the phone.
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Where can I find a dentist who uses anesthia for my 24 year old autistic son in Texas?

My 24 year old son is in desperate need of dental work. I cannot find a dentist who will see him. I have dental insurance, but medicaid will pay for his dental if the dentist feels its medically necessary to put him in the hospital. I am a single mother of 2 autistic sons and am struggling to make sure all their needs are met. They are both in a group home and they have not found a dentist either. Oprah, please help me find someone with patience, compassion and understanding who is willing to work on special needs people and willing to fix and restore his teeth. I know you are a very sweet and compassionate woman with a big heart. I am all my sons have and I just want to help my son. Please help me find a dentist.......Thank you, Mary
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A pediatric dentist has the ability of treating children with difficult situations. Begin by contacting your local dental society to ask for pediatric dental referrals. If you happen to be in Houston, then Dr. Regins Lewis is AWESOME! SHe is located on Fallbrook near CY-Fair hospital.
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how do i get health insurance?

i work at shoprite and i know that we get medical/dental benefits after one year but i just cannot wait that long i need some care like right now ! so how do i get health insurance, where do i go? who do i call ? im lost -__- help me out please! all answers welcomed and appreciated.
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The first thing to do is chec k the internet for places like Kaiser Permanente, Blue Shield, Blue Cross, Aetna, Health Net, etc. See if any of these companies has a plan that is affordable for you. Depending on the type of medical problem, you need to check if it is covered and at what percentage. Some insurance companies for example, you pay $450 a month for the insurance but you have to pay a deductible per individual and per family (if you have more people depending on you) Let's say that the deductible is 300/year for individual and $600/year for family. You will have to pay the $450 a month, plus, if you receive some medical care at the hospital or some special tests, the insurance company will pay a portion for the tests and you would need to pay the rest. Let's say you get an abdominal Cat Scan, at the hospital or other facility that is a "preferred provider" for your particular insurance company. The hospital or facility will send an invoice to the insurance company for $3,500 dollars. The insurance company will tell the provider, based on a previous contract that said provider has signed with he insurance company, that the allocated or allowed ammount for this test in particular is $1,500, so the insurance company, according to your policy, and whatever the terms you have, will pay, 70% , 80% or 85% or 90% of the %1,500, and will tell you to pay the rest %30, 20%, 15% or 10%. And that is what you are liable to pay the provider. It is very important that before you go to a specific doctor you check with the insurance company and with the provider if they are "preferred provider" or "non preferred provider". For the non-preferred provider, the insurance company will pay less, leaving you with a higher balance to pay. When chosing an insurance company consider all the pros and cons. A cheaper policy may not give you the best options. People seem to be happy with Kaiser, but you will have to wait sometimes to get an appointment. Of course, if you have an emergency, nothing can stop you from going to the Kaiser Hospital emergency room and they willl have to take care of you. We have Blue Shield/Blue Cross from a government job. They pay well, but it is not cheap. The government is taking about $600 a month, plus the government still pays an additional $500. It ammount to about $1100/month. Of course at the end of the year, when we file the tax return, we report the $600/month we pay under medical expenses (This year we reported $6,732 in medical and medicines. We received a refund. Not all, of course, but some better than nothing. Good luck. Take your time shopping for insurance. Search the web. Ask people you trust.
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does anyone know how much glamsmile is? and is it covered by health insurance? ta?

i just want to know if its covered by dental cover in health insurance.. .
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You can easily check your minimal health care rates in internet, for example here - health-quotes.talk4fun.net
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need some advice regarding dental care in Uk.. pls help!!?

hi im a healthy 28 yr old who needs scaling n polishing done (last done a year ago) i moved to UK with my husband recently and i have no idea about how to go about it and my husband also doesnt have much of an idea about the costs and procedure to get it done by NHS. private would be too expensive im assuming. or is it better to get dental insurance? we wil be leaving UK by june next year tho.. dont know if any1 has any idea abt this.. pls help!!
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You need to register with a dentist first, either private or NHS. Look in the phone book for one near you, or contact the NHS regional office and ask for a list of dentists. Ring up the selected dentist and ask to register as a patient. No doubt they will tell you if you need to join an insurance scheme, or what the levels of charges are if they are private. You should be aware that even treatment on the NHS is not completely free, unless you are on a very low income. There is usually some level of charge, depending on the work. You might find you need a check-up with the dentist before you can get a referral to the hygienist for scale and polish. A check up on the NHS will usually cost you about £16. You can then ask the dentist about hygienist services offered through his practice. I am registered with an NHS dentist but scale and polish is not offered as an NHS treatment by this dentist, so I have to pay for it as a private patient. It costs about £40 each time. Which I consider is reasonable. Update for second response: I've seen the £16.50 quoted as well, but I think it means per appointment, and most dentists would schedule a separate appointment for scale and polish. Which would mean, if done under the NHS, it would be anther £16.50. I don't know why my dentist does not do scale and polish on the NHS, he just doesn't, but I think I get good treatment there and I do not consider it too expensive. Why not ring a few of the private dentists local to you and ask them to quote for scale and polish? Also ask them about their insurance plans. As a comparison, my husband is registered with a private dentist and pays dental insurance - supplied through that dentist - around £20 per month. In a year, he gets 2 check ups and 2 scale and polish visits included as standard in that, and part of other treatments paid too, if required. Hope this helps.
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I have a few questions about braces, insurance, etc?

Here goes. 1. If you had x-rays taken about 2 years ago, but then go back to the same place, do they give you another x-ray, or can they just look at the one from before? 2. Does anyone currently have dental insurance AND a dental discount plan, like Aetna? If you do, is the discount plan worth it, and are you even able to get a discounted price if you have insurance, too? 3. Adult braces. My teeth are crowded on the bottom, we're talking a rotated tooth and not a lot of room. My top teeth aren't too bad, aside from one tooth that's pushed a little back from the other 2 (a little like Jewel). I've heard a lot about the 6 month power braces, as well as Damon brackets, but has anyone actually had them? If you did, about how much did it cost and how long did it take? Thanks to anyone that can help!
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1. You will need to get x-rays taken again because the existing ones are 2 years old. That is because ; a) You might have had some changes in the growth of the jaw bones, causing major changes in the measurements, and therefore, in the way the malocclusion can be treated. b) The Orthodontist wants to make sure that you absolutely do not have any cavities before the brackets and bands are placed. 2. Having dental insurance does help, but not all all plans cover the cost for braces. There can also be difference in the plans under the same name / umbrella. Depends on what kind of coverage the employer / program wants to offer. It all depends on how much coverage has been purchased. *The fee is the same with or without insurance. ** Total cost varies from $4500 - $6000, depending on which practice you go to. *** The monthly payment can vary from $300 - $500, again depending on : a) How many visits per month (usually 2) b) how much the total cost you have been quoted c) how much money you pay upfront d) how many years of treatment required e) A total of how many visits are required to complete the treatment **** NO insurance covers the cost for adult braces (as far as I know, I maybe wrong). The best thing will be to get in touch with your insurance company and ask for the details. 3. Even adults can get braces. However, you don't want power braces or anything that might shift your teeth too fast. When you age your bones don't stay as soft or spongy like the young bones. Orthodontic teeth movement is achieved through applying pressure and traction at the same time. As a result, the bone on the side of the pressure gets resorbed and the bone on the side of traction builds up. The following animation will show how : http://www.mednet-tech.com/animations_de… Go to "Ortho" and then "How Teeth Move with Braces" Too much force will cause pain, and lack of blood supply. Also, it will not allow the formation of bone on the other side and your teeth will become extremely loose. Many people end up losing teeth because of such impatience. Ultimately, though it is your mouth and your decision. You can get a consultation and ask for an exact quote at that time.
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Extremely bad toothache. No dental ins. No job. No $$. HELP!!!?

I have an extremely bad toothache its been here for over a year and is extremely painful and I think I may have an absess. I know for a fact there in an infection. I cannot stand it anymore I am in excrushiating pain. I have no job at the moment, I've been looking everywhere and cannot find a job. I am so broke its not even funny and I have no dental insurance. Any ideas? I am in Californoa, San Diego to be exact.
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It appears that San Diego has some low cost resources that you could consider. Because they use a sliding scale (based on income) if you have no income your services would be at the lowest cost (possibly free). Why not give them a call and check it out: Here's the info from their website: Community Clinics 800-640-1662 A network of nonprofit community-based clinics located throughout San Diego County, provides medical services to individuals with no medical coverage on a sliding scale basis according to income. Some clinics also provide sliding scale dental services. To locate a clinic near you, please call INFO LINE.
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Can I file major dental work as a tax deduction?

I just had a bridge put in, and didn't have insurance, so I had to pay 100% out of pocket.. is there any deduction available on my taxes for doing this? It'd be great to get some of that money back if it's possible.
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Medical and dental expenses are available as itemized deduction. You can deduct only the amount of your medical and dental expenses that is more than 7.5% of your adjusted gross income (Form 1040, line 38). Read about medical expense deduction: http://taxipay.blogspot.com/2008/05/item…
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