I have number of cavities,recently I have started to have pain in them. Its very likely, that i would need to get most of refilled with RCT, possible 2 extractions and crowns and all those dental things. I have no idea where to go for dental treatment as I dont have insurance. Any how, I have heard that I go to UTMB dental branch. They would be able to fix pretty much every molar and refill caviities for a reasonable price. As I wnt to a private practice,they told me its gonna cost me 10000 US dollars, but if I dont want IV sedation that could substantially reduce my cost, Any idea, on how much UTMB gonna charge? AM I correct, right suggestions would higly be appreciated as lately I m having alot of pain in them. Regards
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Texas has a number of resources available. In fact, it is one of the best states to live in if you have dental issues and the inability to pay. Please go to www.ncmpact.com and use the Links page to find Texas' dental society. There is a lot of information to help you including information on dental schools. You may use the contact page for more questions and to let me know how your situation turns out. In answer to your question, the dental school generally charges from 30-60% of regular fees. Cassie, dental hygienist NC
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Friday, May 20, 2011
Dental billing HELP! I was prepared for bridges in April and left in temp bridges until August?
due to having to send the perm. bridges back to the lab 7 times because they kept messing them up, doing things that wasn't asked for. My question is, my dental office tried to bill my insurance for the perm bridges in April. Shouldn't they bill my insurance in August when my perm bridges was actually received? Which I'd like to say they still weren't good, but my dentist perm cemented them anyways and wants to redo them, which means he will have to break the perm bridges to get them off and request the lab to redo them.
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THIS DENTIST REALLY MESSED UP. These beidges NEVER should have been permanently cemented. This caused grief to all, YOU, THIS DENTIST, AND LAB. An insurance company only pays for a bridge to the same teeth every 5 years.
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THIS DENTIST REALLY MESSED UP. These beidges NEVER should have been permanently cemented. This caused grief to all, YOU, THIS DENTIST, AND LAB. An insurance company only pays for a bridge to the same teeth every 5 years.
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How is Child Support determined in California?
My wife and I are separated and were married for about seven years. She makes $52,000 / year while I make $56,000. Since our separation seven months ago, I have had my boys (ages 6 and 5) about 65% of the time. She also has two other sons living with her (ages 12 and 14), but is receiving child support for them. Currently, I pay all of the child care expenses, totalling $1,225 per month, as well as all the medical and dental insurance expenses, totalling $400 per month. My question is this: how does a judge in California determine child support payments? Is it a method that is subjective or objective? I have a consultation with an attorney in about a week, but I thought I'd try here first. Thanks!
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every state is differently (slightly) in the amounts, but it goes by BOTH parents incomes, number of children in the case, and time spent with the child(ren). here is a child support calculator; just click on your state and fill it in. its to give a general idea as to what will be ordered, so its not exact.... it doesnt include other things that may be factored in. CHILD SUPPORT CALCULATOR http://www.alllaw.com/calculators/childs… YOUR STATES CS POLICY http://childsupportcenter.org/stateprofi… FREE LEGAL HELP IN YOUR STATE (just click on your state to find contact info) http://www.lawhelp.org/ LAWS http://www.divorcehq.com/spprtgroups.htm… http://www.divorceinfo.com/statebystate.… http://www.divorcenet.com/states http://www.divorcesource.com/ http://www.divorcesource.com/info/deadbe… http://www.divorcecentral.com/ http://family.findlaw.com/ http://family.findlaw.com/child-support/… http://www.divorcehq.com/deadbeat.html
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every state is differently (slightly) in the amounts, but it goes by BOTH parents incomes, number of children in the case, and time spent with the child(ren). here is a child support calculator; just click on your state and fill it in. its to give a general idea as to what will be ordered, so its not exact.... it doesnt include other things that may be factored in. CHILD SUPPORT CALCULATOR http://www.alllaw.com/calculators/childs… YOUR STATES CS POLICY http://childsupportcenter.org/stateprofi… FREE LEGAL HELP IN YOUR STATE (just click on your state to find contact info) http://www.lawhelp.org/ LAWS http://www.divorcehq.com/spprtgroups.htm… http://www.divorceinfo.com/statebystate.… http://www.divorcenet.com/states http://www.divorcesource.com/ http://www.divorcesource.com/info/deadbe… http://www.divorcecentral.com/ http://family.findlaw.com/ http://family.findlaw.com/child-support/… http://www.divorcehq.com/deadbeat.html
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A question for people with braces?
1. How much was the down payment? 2. How much is it monthly? 3. What's the total amount for your braces? 4. Did you dental insurance (if you have any) help that much?
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I am taking my daughter to UNC dental school, so it's about $1400 cheaper- but here is the figures for her: 1. $600.00 2. $120.00/month for 25 months 3. $3600.00 4. Yes, it will pay $1,000.00 Hope this helps!
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I am taking my daughter to UNC dental school, so it's about $1400 cheaper- but here is the figures for her: 1. $600.00 2. $120.00/month for 25 months 3. $3600.00 4. Yes, it will pay $1,000.00 Hope this helps!
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what should i do if i think i got mouth cancer but i cant go to the dentist?
what should i do if i think i got mouth cancer but i cant go to the dentist. i dont have dental insurance
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You can start honey business it needs no investment
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You can start honey business it needs no investment
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A question for people with braces?
1. How much was the down payment? 2. How much is it monthly? 3. What's the total amount for your braces? 4. Did you dental insurance (if you have any) help that much?
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my braces cost between 3,000 to 8,000..and my insurance helped pay for most of it...as a family we just paid for the braces all at once..sooo i don't now how much it cost monthly...but good luck with braces
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my braces cost between 3,000 to 8,000..and my insurance helped pay for most of it...as a family we just paid for the braces all at once..sooo i don't now how much it cost monthly...but good luck with braces
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How can I get "pro bono" dental work or denturesI am single woman unemployed very low income & state won'thelp
About 4 years ago I was in an abusive relationship that at the end I was in the hospital in intensive care, beaten with a crowbar,most of my back teeth I had swallowed during the attack the rest had been broken off,cracked or chipped. I have since then been to the dentist one time when I had insurance, a job,and a family member that would help me out during the recovery. Right now I am unemployed,in a town that I truely don't have anyone that I can rely on to truely help if needed,my living situation is I now rent a room in a home that has no real privacy,and my transportation is currently bus,bike,or walk and I can't do that after oral surgery.Medical coverage in this state that I live does not cover "cosmetic" procedures and dentures,or bridges,caps,etc. are considered cosmetic.They will pay to pull all your teeth but they will not help get you new ones!! I like to eat.So..What can I do to get my teeth fixed and looking decent so that I can someday again smile.
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Go to your local state teaching hospital ask for the dental school and you can have better teeth than the rich and famous!
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Go to your local state teaching hospital ask for the dental school and you can have better teeth than the rich and famous!
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Health Insurance cover mouth issue?
I don't have a dental coverage with my current health insurance . I recently went in for a cleaning and they saw a lesion they want to send me to a oral surgeon. I'm afraid if its cancerous I could be on the hook for a huge bill which wouldn't be covered if its considered "dental". I don't want to delay having it examined but I also don't want to ask my insurance company for fear of it being denied as pre-existing dental condition that I couldn't add coverage for. What should I do?
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Don't go to an oral surgeon - Go to an ENT. They are medical and in a MUCH better position to diagnose the lesion. If it turns out to be dental, you can go back to the dentist, if not, you will be in better hands with an ENT. *Edit - Just FYI - Cancer is never considered dental (even oral cancer) - It is always medical. *Edit 2 - DrMiller - It was an oral surgeon (followed by her GP that agreed with the idiot) that told my mom she had a strep infection for 4 months when she really had cancer. But even if they can biopsy it and diagnose it properly, he'll still end up at an ENT for treatment if it turns out badly, so why not skip the middleman that may or may not get it right the first time?? To Peter - Thanks, it was a long time ago, but I still miss her deeply. I wish you all the best and hopefully this will turn out to be something harmless for you.
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Don't go to an oral surgeon - Go to an ENT. They are medical and in a MUCH better position to diagnose the lesion. If it turns out to be dental, you can go back to the dentist, if not, you will be in better hands with an ENT. *Edit - Just FYI - Cancer is never considered dental (even oral cancer) - It is always medical. *Edit 2 - DrMiller - It was an oral surgeon (followed by her GP that agreed with the idiot) that told my mom she had a strep infection for 4 months when she really had cancer. But even if they can biopsy it and diagnose it properly, he'll still end up at an ENT for treatment if it turns out badly, so why not skip the middleman that may or may not get it right the first time?? To Peter - Thanks, it was a long time ago, but I still miss her deeply. I wish you all the best and hopefully this will turn out to be something harmless for you.
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The dr put me on a drug called fosamax?
for osteoporosis does anybody know why they recommend you to see your dentist for a full examination/treatment before taking the drug? I can't afford to go to the dentist, we don't have dental insurance, my teeth aren't the best but they dint bother me either...
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Precautions Before taking alendronate, tell your doctor or pharmacist if you are allergic to it; or to other bisphosphonates; or if you have any other allergies. This medication should not be used if you have certain medical conditions. Before using this medicine, consult your doctor or pharmacist if you have: disorders of the esophagus (e.g., esophageal stricture or achalasia), inability to stand or sit upright for at least 30 minutes, low calcium levels, severe kidney disease. Before using this medication, tell your doctor or pharmacist your medical history, especially of: trouble swallowing, stomach/intestinal disorders (e.g., ulcers). Infrequently, serious jawbone problems (osteonecrosis) have occurred in people taking similar medication. Most people were also using other medications or had conditions which might have actually caused the jawbone problem. If you have cancer, anemia, blood clotting disorders, infections in the mouth or other diseases of the mouth, or poor dental hygiene, see your dentist for a full examination/treatment before you start alendronate. Make sure he/she knows your entire medical history, any cancer radiation treatments, and also all the medications you are using, especially corticosteroids such as prednisone, cancer chemotherapy, and alendronate. Consult your dentist for more details. This drug is not recommended for use in children. General Alendronate is used to prevent and treat certain types of bone loss (osteoporosis). It belongs to a class of medications called bisphosphonates, and they decrease the activity of cells which break down bone. Maintaining strong bones by slowing bone loss helps to reduce the risk of fractures. Your risk of developing osteoporosis is greater as you age, after menopause due to the lack of natural estrogen hormones, and if you are taking corticosteroid medications (e.g., prednisone) for long periods. How to use Fosamax Oral Follow these instructions very closely to maximize the amount of drug absorbed and reduce the risk of injury to your esophagus. This medicine comes with a patient information leaflet. Read it carefully. Ask your doctor or pharmacist any questions you may have about this medicine. This medication is usually taken once per week unless otherwise directed by your doctor. Choose the day of the week that best fits your schedule and take it on that day each week. Take this medication by mouth, after getting up for the day and before taking your first food, beverage or other medication. Take it with a full glass (6-8 ounces or 180-240 milliliters) of plain water. Swallow the tablet whole. Do not chew or suck on it. Then stay fully upright (sitting, standing or walking) for at least 30 minutes and do not lie down until after your first food of the day. Wait at least 30 minutes (preferably 1 to 2 hours) after taking the medication before you eat or drink anything other than plain water. Do not take this medication at bedtime or before rising for the day. It may not be absorbed and you may have side effects. Other medications, vitamins, antacids, coffee, tea, soda, mineral water and food can decrease the absorption of alendronate. Do not take these for at least 30 minutes (preferably 1 to 2 hours) after taking alendronate. Use this medication regularly in order to get the most benefit from it. Remember to use it on the same day each week. It may help to mark your calendar with a reminder. Side-Effects Stomach pain, constipation, gas, or nausea may occur. If these effects persist or worsen, notify your doctor or pharmacist promptly. Remember that your doctor has prescribed this medication because he or she has judged that the benefit to you is greater than the risk of side effects. Many people using this medication do not have serious side effects. Tell your doctor immediately if any of these unlikely but serious side effects occur: jaw pain, swelling of joints/hands/ankles/feet, an increase in muscle or bone pain, black stools, vomit that looks like coffee grounds. This medication may infrequently cause serious irritation and ulcers of the esophagus. If you notice any of the following unlikely but very serious side effects, stop taking alendronate and consult your doctor or pharmacist immediately: new or worsening heartburn, chest pain, trouble or painful swallowing. A serious allergic reaction to this drug is unlikely, but seek immediate medical attention if it occurs. Symptoms of a serious allergic reaction include: rash, itching/swelling (especially of the face/tongue/throat), dizziness, trouble breathing. This is not a complete list of possible side effects. If you notice other effects not listed above, contact your doctor or pharmacist. Call your doctor for medical advice about side effects. In the US, you may report side effects to the Food and Drug Administration (FDA) at 1-800-FDA-1088. In Canada, you may report side effects to Health Canada at 1-866-234-2345.
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Precautions Before taking alendronate, tell your doctor or pharmacist if you are allergic to it; or to other bisphosphonates; or if you have any other allergies. This medication should not be used if you have certain medical conditions. Before using this medicine, consult your doctor or pharmacist if you have: disorders of the esophagus (e.g., esophageal stricture or achalasia), inability to stand or sit upright for at least 30 minutes, low calcium levels, severe kidney disease. Before using this medication, tell your doctor or pharmacist your medical history, especially of: trouble swallowing, stomach/intestinal disorders (e.g., ulcers). Infrequently, serious jawbone problems (osteonecrosis) have occurred in people taking similar medication. Most people were also using other medications or had conditions which might have actually caused the jawbone problem. If you have cancer, anemia, blood clotting disorders, infections in the mouth or other diseases of the mouth, or poor dental hygiene, see your dentist for a full examination/treatment before you start alendronate. Make sure he/she knows your entire medical history, any cancer radiation treatments, and also all the medications you are using, especially corticosteroids such as prednisone, cancer chemotherapy, and alendronate. Consult your dentist for more details. This drug is not recommended for use in children. General Alendronate is used to prevent and treat certain types of bone loss (osteoporosis). It belongs to a class of medications called bisphosphonates, and they decrease the activity of cells which break down bone. Maintaining strong bones by slowing bone loss helps to reduce the risk of fractures. Your risk of developing osteoporosis is greater as you age, after menopause due to the lack of natural estrogen hormones, and if you are taking corticosteroid medications (e.g., prednisone) for long periods. How to use Fosamax Oral Follow these instructions very closely to maximize the amount of drug absorbed and reduce the risk of injury to your esophagus. This medicine comes with a patient information leaflet. Read it carefully. Ask your doctor or pharmacist any questions you may have about this medicine. This medication is usually taken once per week unless otherwise directed by your doctor. Choose the day of the week that best fits your schedule and take it on that day each week. Take this medication by mouth, after getting up for the day and before taking your first food, beverage or other medication. Take it with a full glass (6-8 ounces or 180-240 milliliters) of plain water. Swallow the tablet whole. Do not chew or suck on it. Then stay fully upright (sitting, standing or walking) for at least 30 minutes and do not lie down until after your first food of the day. Wait at least 30 minutes (preferably 1 to 2 hours) after taking the medication before you eat or drink anything other than plain water. Do not take this medication at bedtime or before rising for the day. It may not be absorbed and you may have side effects. Other medications, vitamins, antacids, coffee, tea, soda, mineral water and food can decrease the absorption of alendronate. Do not take these for at least 30 minutes (preferably 1 to 2 hours) after taking alendronate. Use this medication regularly in order to get the most benefit from it. Remember to use it on the same day each week. It may help to mark your calendar with a reminder. Side-Effects Stomach pain, constipation, gas, or nausea may occur. If these effects persist or worsen, notify your doctor or pharmacist promptly. Remember that your doctor has prescribed this medication because he or she has judged that the benefit to you is greater than the risk of side effects. Many people using this medication do not have serious side effects. Tell your doctor immediately if any of these unlikely but serious side effects occur: jaw pain, swelling of joints/hands/ankles/feet, an increase in muscle or bone pain, black stools, vomit that looks like coffee grounds. This medication may infrequently cause serious irritation and ulcers of the esophagus. If you notice any of the following unlikely but very serious side effects, stop taking alendronate and consult your doctor or pharmacist immediately: new or worsening heartburn, chest pain, trouble or painful swallowing. A serious allergic reaction to this drug is unlikely, but seek immediate medical attention if it occurs. Symptoms of a serious allergic reaction include: rash, itching/swelling (especially of the face/tongue/throat), dizziness, trouble breathing. This is not a complete list of possible side effects. If you notice other effects not listed above, contact your doctor or pharmacist. Call your doctor for medical advice about side effects. In the US, you may report side effects to the Food and Drug Administration (FDA) at 1-800-FDA-1088. In Canada, you may report side effects to Health Canada at 1-866-234-2345.
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I have a lot of cavities, what should i do?
i have about 4 cavities and i never been to a dentist before. i need to know what the doctor will do to fix it and how they will fix the cavity that is on the SIDE of my tooth. i know i have dental insurance but im not sure if it will still come out to be expensive for one or even for all 4 cavities. please help me understandd.
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If the cavities just need fillings, then most insurances cover 80% - you might owe $80 - $100 per cavity. If the cavities are bad and require a root canal and crown then it costs more. Most insurances cover 80% on a root canal and 50% on a crown. I normally owe about $170 on a root canal and about $350 on a crown (porcelain). Yes, I have crappy teeth :) - even though I brush and floss almost all of my teeth have been crowned. They will only get worse the longer you wait, so go ahead and schedule an appointment.
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If the cavities just need fillings, then most insurances cover 80% - you might owe $80 - $100 per cavity. If the cavities are bad and require a root canal and crown then it costs more. Most insurances cover 80% on a root canal and 50% on a crown. I normally owe about $170 on a root canal and about $350 on a crown (porcelain). Yes, I have crappy teeth :) - even though I brush and floss almost all of my teeth have been crowned. They will only get worse the longer you wait, so go ahead and schedule an appointment.
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2 health insurance plans?
Currently I am using my wife's health insurance plan (which is very great) and not using anything from my company which states "We currently offer medical (including prescriptions) and dental coverage. The Company will contribute up to $300 per month to the cost of such coverage." What would you guys recommend in this situation? My wife's insurance plan is worth a lot more than $300 a month and it makes no sense that I leave it. What should I do in this situation? For instance, my current insurance deductible is $500. Could I add some kind of secondary insurance thru my company which would take that deductible down to $0? Thanks
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If you are happy with your wife's plan and assuming her company does not pay any of the premium for you and you don't have a problem with that then stay with your current option. If you sign up for your group plan your group plan will be primary. However the cost burden of using your wife's plan as secondary typically isn't cost justified. The cost of using your wife's plan as secondary is probably higher than the out of pocket expenses associated with your own group plan. Depending on your state and carrier in the event of your wife loses her job you may be able to sign up for your group plan without having to wait for the open enrollment period. You need to check with your hr people to on this issue.
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If you are happy with your wife's plan and assuming her company does not pay any of the premium for you and you don't have a problem with that then stay with your current option. If you sign up for your group plan your group plan will be primary. However the cost burden of using your wife's plan as secondary typically isn't cost justified. The cost of using your wife's plan as secondary is probably higher than the out of pocket expenses associated with your own group plan. Depending on your state and carrier in the event of your wife loses her job you may be able to sign up for your group plan without having to wait for the open enrollment period. You need to check with your hr people to on this issue.
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NEED AFFORDABLE DENTAL WORK BAD?
I am 32 years old, and I am in serious need of a dentist and an orthodontist. I have no money, and the insurance I have only covers the basics. The amount of work I need done will cost me in the neighborhood of $16,000. Any suggestions?
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get some of the work done at dental school clinics. They cant do all the work, like orthdontics, but they can get you ready and cut some of the cost.
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get some of the work done at dental school clinics. They cant do all the work, like orthdontics, but they can get you ready and cut some of the cost.
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Need some information on invisalign? (Orthodontics)?
I am wondering if anyone has experience with Invisalign, or a similar "adult" orthodontic option. Without dental insurance, how much is it? How much are monthly payments? Any advice?
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http://www.invisalign.com/Pages/Home.asp… http://en.wikipedia.org/wiki/Invisalign
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http://www.invisalign.com/Pages/Home.asp… http://en.wikipedia.org/wiki/Invisalign
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how much does braces cost on ur teeth
im 16 and i need braces but mom and dad dont have alot of money or dental insurance could u tell me how much they cost
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it depends on how bad your teeth are. like if its badly crooked or badly spaced out around $3,000. if it's not that bad around $1,000 price range is $1,000-$4,000
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it depends on how bad your teeth are. like if its badly crooked or badly spaced out around $3,000. if it's not that bad around $1,000 price range is $1,000-$4,000
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Should President Bush have to pay the 21,500 new troops sent to Iraq out of his own pocket?
After all, he is the decision maker on Iraq. He can pay for their medical and dental and life insurance expenses also. It is his decision. What, does he expect us to pay for his decisions?
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No, but he should personally go there and lead them at the head of combat to attack the insurgents and inspire them to win the war.
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No, but he should personally go there and lead them at the head of combat to attack the insurgents and inspire them to win the war.
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pacificare(hmo) vs PPO dental? which is better? ?
i just had my teeth fixed with my current insurance hmo. i paid a lot of money for my crowns. i just to know if i switch to ppo, am i gonna pay the same price or lower price? also, can you guys give me additional information about PPO(dental). and why it's better than hmo? (price)
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I'm not really familiar with HMO plans, all the offices that I've worked in (I've been a sub dental assistant, so there have been many offices) only accept PPO plans. PPO plans vary depending on the type of plan. For example, the insurance company, say Cigna, can have 5 different PPO plans. The things you really have to look for are the deductible amount, and the percentages they pay on preventive, basic and major. Usually, they pay between 80%-100% on preventive, basic is between 60%-90%, and major is usually 50%-60%. Some plans pay 100% for preventive, which means, IF the doctor is contracted with that insurance company, you will not have to pay anything out (that's for cleanings and such). If a doctor is NOT contracted with the insurance company, they will pay 100% of the usual and customary fee, and you will be responsible for the difference between that fee and the doctors fee. Typically PPO plans are through employers, although there are some individual PPO plans out there, they are just more difficult to find. People usually say a PPO is better than an HMO because you get to pick your doctors, rather than being assigned to a doctor. An example of the fee...Crowns are usually a lot of money, say $800. With a PPO insurance, you will usually have to cover your deductible (it's usually between $25 and $100 - one time fee per year) so we'll say $50 is your deductible, and your insurance covers 50% of basic work. You will be charged $400, plus the $50 deductible, unfortunately that doesn't factor into the work. Your total will be $450 for the crown. I hope that makes sense, I know what I'm trying to say :)
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I'm not really familiar with HMO plans, all the offices that I've worked in (I've been a sub dental assistant, so there have been many offices) only accept PPO plans. PPO plans vary depending on the type of plan. For example, the insurance company, say Cigna, can have 5 different PPO plans. The things you really have to look for are the deductible amount, and the percentages they pay on preventive, basic and major. Usually, they pay between 80%-100% on preventive, basic is between 60%-90%, and major is usually 50%-60%. Some plans pay 100% for preventive, which means, IF the doctor is contracted with that insurance company, you will not have to pay anything out (that's for cleanings and such). If a doctor is NOT contracted with the insurance company, they will pay 100% of the usual and customary fee, and you will be responsible for the difference between that fee and the doctors fee. Typically PPO plans are through employers, although there are some individual PPO plans out there, they are just more difficult to find. People usually say a PPO is better than an HMO because you get to pick your doctors, rather than being assigned to a doctor. An example of the fee...Crowns are usually a lot of money, say $800. With a PPO insurance, you will usually have to cover your deductible (it's usually between $25 and $100 - one time fee per year) so we'll say $50 is your deductible, and your insurance covers 50% of basic work. You will be charged $400, plus the $50 deductible, unfortunately that doesn't factor into the work. Your total will be $450 for the crown. I hope that makes sense, I know what I'm trying to say :)
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How will this affect the public?
The California's Budget could leave thousands of children on a waiting list for health care and are trying to find ways around a $17.2 million budget shortage. More than 800,000 children rely on the low-cost health, dental, and vision coverage. The Managed Risk Insurance Board states that the waiting list could estimate up to 160,000 children in the first six months.
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If there are 800,000 children relying on low-cost budgets, that is 1,600,000 parents who can't afford health care, vision care or dental coverage. With this deficit, those families will be FORCED to pay more money....many will not be able to do that so it puts a strain on the higher wage earners of the country. The money must come from somewhere!!! Because this may put a strain on the systems, waiting periods will have to be implemented and a person who needs a knee replacement may have to wait 1 year to receive a new knee instead of the old system of 2 days. Everything will be backed up and the system will be failing people. Many unnecessary deaths will occur because of the strain on the system.
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If there are 800,000 children relying on low-cost budgets, that is 1,600,000 parents who can't afford health care, vision care or dental coverage. With this deficit, those families will be FORCED to pay more money....many will not be able to do that so it puts a strain on the higher wage earners of the country. The money must come from somewhere!!! Because this may put a strain on the systems, waiting periods will have to be implemented and a person who needs a knee replacement may have to wait 1 year to receive a new knee instead of the old system of 2 days. Everything will be backed up and the system will be failing people. Many unnecessary deaths will occur because of the strain on the system.
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What's the difference between Co-pay and a deductable?
I'm stupid when it comes to insurance. Through my job I have BCBS health ins and I just got Dental. I am used to paying a co-pay with the Health Ins. I had some dental work done and asked if there was a co-pay to be settled while i was there. They said oh you mean the deductable. I paid that just wanting to take care of SOMETHING before I left. What is a deductable compared to a Co-pay?
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The short answer is: a copay is a set dollar amount that you pay at each visit. It is deducted from what the doctor gets paid. The deductible is an amount that you have to pay before the insurance pays anything. For example: If a doctor bills $85 for a simple sick visit, the insurance is contracted to pay $55.17 for that visit. (There's a negotiated rate for every participating doctor for every insurance - they have to take this payment, they can not expect anything extra.) If you have a $20 copay, the insurance is going to send the doctor a check for $35.17 - it's expected that your $20 copay will make up the rest of the $55.17. Now, for that same visit, if you have a deductible, you will be expected to pay the full $55.17, and the insurance will inform the doctor in writing that you are to be billed for and pay that amount. You will do something like that every time you see the doctor until your deductible is met. (And deductibles range from $50 to $5000 a year.) Now, if you have "co-insurance" - you'd be paying a percentage of the visit. (Of the $55.17, if your co-insurance is 15%, you pay $8.28, the insurance pays the rest.) Because insurance company contracted rates are WAY cheaper than cash prices, I advise people with deductibles and co-insurance to let their insurance be billed FIRST, because the insurance will figure out how much the patient owes. If they have a copay, providers are obligated to take that at the time of service.
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The short answer is: a copay is a set dollar amount that you pay at each visit. It is deducted from what the doctor gets paid. The deductible is an amount that you have to pay before the insurance pays anything. For example: If a doctor bills $85 for a simple sick visit, the insurance is contracted to pay $55.17 for that visit. (There's a negotiated rate for every participating doctor for every insurance - they have to take this payment, they can not expect anything extra.) If you have a $20 copay, the insurance is going to send the doctor a check for $35.17 - it's expected that your $20 copay will make up the rest of the $55.17. Now, for that same visit, if you have a deductible, you will be expected to pay the full $55.17, and the insurance will inform the doctor in writing that you are to be billed for and pay that amount. You will do something like that every time you see the doctor until your deductible is met. (And deductibles range from $50 to $5000 a year.) Now, if you have "co-insurance" - you'd be paying a percentage of the visit. (Of the $55.17, if your co-insurance is 15%, you pay $8.28, the insurance pays the rest.) Because insurance company contracted rates are WAY cheaper than cash prices, I advise people with deductibles and co-insurance to let their insurance be billed FIRST, because the insurance will figure out how much the patient owes. If they have a copay, providers are obligated to take that at the time of service.
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My boyfriend needs to have extensive dental work done.?
He has health insurance at his job, however, it is not going to be paying for a lot of what he needs to have done. Does anyone have any ideas or suggestions as to were I can look or who I can call to see if I can get him any extra help or something to make this happen for him?
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Yeah right. Go to a Dental School blah blah blah. That's what a reluctant male patient needs a 3 hour treatment and planning session. or a three hour filling, from a shaky student. Or better yet go to a discount dentist. One that wil use the cheapest lab in the U.S. or cut corners on infection control. Men that have a lot of dental work to be done are afraid of two things. The Dentist and The Money. 1. Find a dentist he likes, someone that can finish in a reasonable amount of time, that will present a thoughtout treatment plan and that will give you a discount if you pay up front, etc. (make sure you take possible extra work into account) 2. Finance the whole treatment plan, if it is under $5000 then there may be some interest free credit services available like Care Credit or others. If it si over then extend it out to 4 years of payments. hey people pay stupid money to trick out a car and pose. Why not work on the Grill you carry with you your whole life. This does two things it unifies his dental experience into one task he must accomplish. Secondly it breaks up the large amount into a smaller mountly amount. Basic Male Dental Excuse Psychology. If that doesn't let him know you don't want him to be dealing with bad teeth for his whole life. God luck
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Yeah right. Go to a Dental School blah blah blah. That's what a reluctant male patient needs a 3 hour treatment and planning session. or a three hour filling, from a shaky student. Or better yet go to a discount dentist. One that wil use the cheapest lab in the U.S. or cut corners on infection control. Men that have a lot of dental work to be done are afraid of two things. The Dentist and The Money. 1. Find a dentist he likes, someone that can finish in a reasonable amount of time, that will present a thoughtout treatment plan and that will give you a discount if you pay up front, etc. (make sure you take possible extra work into account) 2. Finance the whole treatment plan, if it is under $5000 then there may be some interest free credit services available like Care Credit or others. If it si over then extend it out to 4 years of payments. hey people pay stupid money to trick out a car and pose. Why not work on the Grill you carry with you your whole life. This does two things it unifies his dental experience into one task he must accomplish. Secondly it breaks up the large amount into a smaller mountly amount. Basic Male Dental Excuse Psychology. If that doesn't let him know you don't want him to be dealing with bad teeth for his whole life. God luck
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Does anyone know how to get help with Dental Cost?
I wanting to know if anyone has any information on how to get help for dental cost, the portion that your insurance has not covered? My husband has a lot of work that needs to be done and its going to cost over $3000 and we do not have that money, and all you know that Dental Places want their money up front right away. We already tried applying for financing such as Care Credit and did not qualify, so now we are looking at other ways to help us pay for this work, cause he really needs it done. So any information that anyone has would be very much helpful. Thank you!
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couple of low cost suggestions: 1) dental school: i know it seems scary, but students in the clinic have been 'practicing' on mannequins for 2-3 years prior, under the supervision of many highly qualified area dentists, and nothing is done without at least two other people checking. it does take some time but you can get a crown for $500 versus $1000+ in private practice. 2) community health centers: again cheap option, about 25% off from private practice. foreign trained dentists usually but all qualified and licensed. 3) state aid insurance like medicaid: some dentists take it and you can get care for 50% off or just a copay. good luck ttg
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couple of low cost suggestions: 1) dental school: i know it seems scary, but students in the clinic have been 'practicing' on mannequins for 2-3 years prior, under the supervision of many highly qualified area dentists, and nothing is done without at least two other people checking. it does take some time but you can get a crown for $500 versus $1000+ in private practice. 2) community health centers: again cheap option, about 25% off from private practice. foreign trained dentists usually but all qualified and licensed. 3) state aid insurance like medicaid: some dentists take it and you can get care for 50% off or just a copay. good luck ttg
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What is the difference between HMO and PPO?
I'm new to this insurance thing and I'm about to get dental but I need to know what is the difference? Which one would be best for a person that doesn't want to spend too much money out of pocket. I need to get my wisdom teeth taken out. I want good coverage.
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PPO is generally the better way to go. You have more freedom in choosing physicans, fewer problems with pre-existing conditions, and pre-authorizations. However, the premiums are usually higher. HMOs generally require you have a Primary Care Physican (PCP). You have to go to that physician no matter what your problem is and he/she has to recommend you see a specialist. You can't just go see an ear, nose, & throat specialist unless your PCP approves it. Keep in mind this is not set in stone. All insurances are different and all policies are different. READ through the policy carefully before you buy it.
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PPO is generally the better way to go. You have more freedom in choosing physicans, fewer problems with pre-existing conditions, and pre-authorizations. However, the premiums are usually higher. HMOs generally require you have a Primary Care Physican (PCP). You have to go to that physician no matter what your problem is and he/she has to recommend you see a specialist. You can't just go see an ear, nose, & throat specialist unless your PCP approves it. Keep in mind this is not set in stone. All insurances are different and all policies are different. READ through the policy carefully before you buy it.
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Can you claim medical expenses and school expenses on your taxes?
I had a wisdom tooth pulled last your that I did pay out of pocket no insurance cost about $1200, Also paid to take a dental assistant program which cost $1200. Would I be able to claim these expenses when i file? I already claim my son and last year I got back about 4k. So would it help me get back a little more if I added on the 1200 medical expense and 1200 school expense?
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You don't state your income, but if it's less than $15,000 these won't make a difference. You already get $8000 as head of household, so $1200 of itemized deductions won't do better than that. If you don't owe income tax, an education credit can't do better than zero....
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You don't state your income, but if it's less than $15,000 these won't make a difference. You already get $8000 as head of household, so $1200 of itemized deductions won't do better than that. If you don't owe income tax, an education credit can't do better than zero....
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Can the court make me disenroll my children from my insurance benefits?
I've had my children enrolled under my insurance plans under my employer (Dental, medical, vision,etc). My soon-to-be ex has also enrolled them under her employer. In previous conversations, she has admitted to me that the judge will order me to terminate my benefits for them under my employer, since she has physical custody and I will have to pay her more than what I've been paying for child-care. There is no order for this money I send her. I send it because it's my obligation.
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Get a lawyer so you can get the support on paper and she can not say you are not paying. The court will not make you take them off.
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Get a lawyer so you can get the support on paper and she can not say you are not paying. The court will not make you take them off.
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Looking for health Insurance?
I'm looking for affordable health insurance with good coverage and options for doctors. A PPO is okay but I'm looking for quality AND affordability. Dental and vision would be a great plus. Can anybody out there help me!?!
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Ultimately, you are the one who determines the affordability of your health insurance plan by deciding how much you will participate in sharing the cost of your health care with your insurance company. You decide what the right balance is between affordability and policy benefits. If you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, maternity coverage as well as low deductibles, low co-pays and optional vision and dental benefits your monthly premiums will be significant. On the other hand if you are young, presumably healthy and probably use the health care system sparingly you could consider a plan that covers only the major health catastrophe. If that is too scary consider a plan with a higher in hospital deductible, higher co-pays for doctor's office visits and perhaps not cover prescription drugs.. Either of these approaches will result in a lower monthly premium. You then can use the monthly premium savings to pay for the occasional doctor visit or prescription and still come out ahead. You need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. That adviser can answer questions as to what is and is not covered by the policy, explain deductibles and co-pays and show you the hospitals and doctors that participate in the network. Check with the agent that writes your home or auto insurance he/she can provide you a health insurance proposal that takes into account your budget and health situation. Some are going to suggest you go to their web site so that they can earn a few pennies on a "click through". Some may suggest going on line to get a quote but you probably already know that there is much more to a good health insurance policy than price. Use the Internet to educate yourself but use an agent to purchase the coverage.
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Ultimately, you are the one who determines the affordability of your health insurance plan by deciding how much you will participate in sharing the cost of your health care with your insurance company. You decide what the right balance is between affordability and policy benefits. If you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, maternity coverage as well as low deductibles, low co-pays and optional vision and dental benefits your monthly premiums will be significant. On the other hand if you are young, presumably healthy and probably use the health care system sparingly you could consider a plan that covers only the major health catastrophe. If that is too scary consider a plan with a higher in hospital deductible, higher co-pays for doctor's office visits and perhaps not cover prescription drugs.. Either of these approaches will result in a lower monthly premium. You then can use the monthly premium savings to pay for the occasional doctor visit or prescription and still come out ahead. You need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. That adviser can answer questions as to what is and is not covered by the policy, explain deductibles and co-pays and show you the hospitals and doctors that participate in the network. Check with the agent that writes your home or auto insurance he/she can provide you a health insurance proposal that takes into account your budget and health situation. Some are going to suggest you go to their web site so that they can earn a few pennies on a "click through". Some may suggest going on line to get a quote but you probably already know that there is much more to a good health insurance policy than price. Use the Internet to educate yourself but use an agent to purchase the coverage.
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