Saturday, May 21, 2011

what are the benefits for being a teacher?

what type of insurance do they have? does the district of where they are working at covers the health, dental, and vision?
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I think I work for one of the best school districts in the US! Beyond health insurance, I keep my salary...they pay for my living expenses....no joke!!!!! Yes, I have health insurance- They give you choices.... Pretty much most districts will give you a packet with info to help you decide what insurance to take.
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dental orthodics, bite adjustments?

I am in need of Bite adjustment / Dental Orthodics. Any info on this and where can I receive this service? p.s I don't have Insurance. Thanks
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Phone up your local health authorities and see if they can point you in the right direction.
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Whats the best health insurance policy for a college student? Help find????

I need health care including drug perscription/dental/vision is there a site or plan out there that is basically inexpensive for a fulltime college student
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What country are you in? In the U.S., your parents can usually cover you on their insurance plan until age 24 (I'm pretty sure it's 24) or your first Bachelor's Degree, whichever comes first. That's the cheapest way to go. Barring that, here's what we did: my daughter's school had a "med shed" where minor medical care, birth control and cheap prescriptions were free. The college itself had an agreement with an insurance company for discount major medical which cost us $400 for each year that she attended. Check into these options. It worked very well for us.
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Black mark located behind molar?

Is it a cavity or tartar. How much is it going to cost to get removed no dental insurance.
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That's probably a pretty deep cavity you've got there. Try finding a dentist that offers sliding-scale fees to fit your budget. What it costs depends on the procedure and what the dentist charges for X-rays. If you cannot find a dentist with sliding scale fees, dental schools also offer reduced fees.
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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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Free Health Care/Dental Guaranteed?

Did you know in the USA we have free Health Care and Dental guaranteed for all with NO insurance plans nor deductibles? In fact we will provide free housing, clothing, recreation, church services and three meals a day! Apply now at your local prisons, all you have to do is break the law and we will be glad to provide you with all the things you need to survive. Crazy isn't it?
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Funny isn't it, even the criminals get it for free and yet every one else gets ****ed over.
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How do you handle ppl who call the office and start yelling about a bill?

We never refuse to explain a bill, but a few patients have called and screamed bloody murder about some amount not paid by the insurance company and marked on the insurance statement (EOB-explanation of benefits) "Patient Responsibility" or "Insurance deductible." The amount owed could be as little as $20 and over $100 (depends on the ins. co). This office is a dental office and I mean ppl shouting and not letting staff get one word in.
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If people start shouting at you, simply say that if they continue to shout, you will end the call. If they continue, state that this call is over, and hang up.
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Dental Help?

i am getting ready to go in for surgery to have a few teeth removed and the only insurance company they accept is Delta dental, i live in ohio and i cant figure out how to contact them or sign up with them is there a website that plp go on to sign up or is there a number to call if so could you please let me know how to get a hold of delta dental please thanks for the replys ahead of time
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The administering Delta Dental Member Company for the state of OH is: Delta Dental of Ohio Customer Service Phone Number: 800-524-0149 FAX: 614-890-1274 E-mail: csmail@ddpoh.com Mailing Address: 550 Polaris Parkway, Suite 550 Westerville, OH 43082 http://www.deltadental.com/Public/Inquir… __________________ i know from personal experience that delta dental is a good insurance compay for dental as far as paying for treatment. the place you are going to probably only takes them for that reason.
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What is the best course to take, the one that is in demand?

I'm presently working as Dental assistant front and back..I would like to change my job preferrebly I want to be hired by big companies that can give me good benefits. I'm about to enroll but are still confuse on what to take I'm choosing between Medical asst., pharma tech and Medical insurance biller. I have gained a lot of experience in dental billing and are quite interested in doing medical billing as well. So pls. advise me on this need help!
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It is advisable to take, CPA law. If you have a high intellect you will surely ace it. If you take this course you could be a CEO of a company, which by the way includes a lot of perks. You also need to have a Masters and a PH. D to qualify.
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My front tooth broke, can I get a dental implant today?!?

Even if I dont have insurance, money? I go back to work tomorrow and I don't want to go without a tooth.
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The only thing you could get done quickly is a make shift temporary depending on how much of the broken tooth is left. And yes you need money to purchase services.
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how much will it cost me to go to the dentist and get my teeth whitened?

without dental insurance??
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You can easily check your minimal health care rates in internet, for example here - health-quotes.isgreat.org
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I have a lot of cavities, what should i do?

i have about 4 cavities and ive never been to a dentist before so i dont know what to expect. what will the doc do and how will they fix them? i also have a cavity on the side of a tooth. they cant fill that so how do they treat it? i know i have dental insurance but will it still be expensive to treat all of my teeth?
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not if you have dental ins. you probably wont have to pay They will probably have to do alot of restorative work! Start taking better care of your teeth! Teeth problems dont only affect your mouth they can have severe impact on your heart !Good luck
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I need dental work (extraction?) done very soon. Im in alot of pain and have no money Who can help?

I live in Las Vegas, Nv. and Im in between jobs which means I have NO insurance. Due to unforseen circumstances, I have NO money at this time! I have a back molar that has put me down for 2-days now, the pain is horrible...I cant find anybody to help me out by letting me make payments or working with me in any way. My job search is put on hold, PLEASE HELP!!
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try the low income clinics. Around here, there are church orginazations who point you in the right direction. These doctors only charge a fraction of the price. (like$25-40 dollars) Call up your Dept. of Human Services for more info.
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My husband's work dropped me off his insurance, can i get insured?

So here is the story, I was on my husbands insurance through his job. I went to the doctor to schedule a surgery for my tonsils. When i get to the doctors office I find out that my husband's insurance dropped me off his policy because he didn't get "the right paperwork" such as marriage certificate in at a timely manner. Even though my husband DID give them my information when they needed it, he has no way to prove it because his old HR manager is no longer with the company. Long story Short... I am now without insurance until April of 2011 and there are no prospective jobs in my town that have benefits I qualify for. I go to school full time in college I am 28 years old, and desperately need to get this surgery done for my tonsils and get the rest of my dental work fixed. Are there any Insurance companies that offer insurance for unemployed workers who do not qualify for Unemployment, and or any companies that give insurance for full time college students? If anyone can help give me and idea for my situation I'd greatly appreciate it thank you in advance. PS I only need the insurance for a couple months until i can either get back on my husband's insurance, or apply for a job at his work when the company opens back up.
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There aren't any insurance companies that are going to give you insurance that covers this preexisting condition - the need for the tonsilectomy. See, that's how it works - people without insurance want to pay a couple hundred bucks for a month or two, file $20,000 or more of claims, and then cancel the policy. That's exactly WHY you can't buy insurance to cover preexisting conditions (at this time). Insurance companies would go bankrupt selling that kind of coverage. I think hubby really DOES need to talk to the new HR manager, and get them to get you re-added to the policy. Your only OTHER alternative, is to negotiate a cash price for the surgery.
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How much does Crowne Plaza pay it's employees for fulltime front desk agent?

To Crowne Plaza hotel employees, I applied at Ft. Myers Crowne Plaza and they said I am hired but they didn't tell me how much I would be paid yet. Can someone tell me what I can expect? Also, how fast does the pay go up? Usually after 90 days you get a raise, but does it go up anymore after that if you perform good? Also, what about benefits? Do I get health insurance? What are my options? And what about dental? Please answer all questions!!
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You need to ask your employer these our questions. They should be able to give you a handbook explaining benefits and your supervisor will be able to answer all other questions. It is important to keep an open line of commuication and make sure you and your employer are both on the same page and have the same understanding about pay/benefits.
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How much are braces if...?

Let's say you don't have dental insurance and you go to a public dentist and you need braces. How much would it cost?
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The grand total for me was $5880. Some Orthodontist accept payment plans. There is also a company who gives out loans just for braces (my payments were $134 a month). Also, most Orthodontist give a free consultation, so you could go and see how much they think it will run.
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What is the difference between HMO and PPO medical plans?

Whenever my health care providers ask me what insurance I have I can never answer. I know that at all my visits (medical, dental, and optometry) I pay a co-pay. Could someone tell me what the difference is between the two? Is one better than the other?
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I literally just went through all my benefit options at the hospital I work for. I chose an HMO, although I previously had a PPO. It really depends on your needs. From the info you gave it sounds like a PPO. With an HMO, the downfall is that you can only go to specific MD's and Hospitals within a certain network in order for your co-pay to be valid, but the good side is that there is a set rate for everything. I have a $200 deductible and if I'm in the Hospital the most out of pocket expense I'll see will be $300 (I'm planning on starting a family soon so that's why I chose this plan), our PPO option had a $500 deductible and about $2-3000, maybe more, out of pocket expense for a hospital stay. Plus the co-pays were higher for that one. And both plans cost the same. When I'm done having babies I'll go back to a PPO. I hope that helps.
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Orthodontic insurance in Minnesota?

I'm 22 years old and I need braces ... bad. I have insurance right now but the only dental that I'm covered under is extractions and I want something that can cover some orthodontic work, preferably Invisalign. I've been online for about an hour now trying to figure out what insurance companies offer orthodontic coverage but I cannot find anything. I will not consider financing, my credit is too low for that. Do you know of any insurance companies that offer orthodontic coverage in the state of Minnesota? Please list names of insurance companies, links to the websites and/or customer service numbers to the insurance companies. I'd prefer something that had $0 office visit copays, or if you know of any ortho offices in Minnesota that give free Invisalign consultations, that would be great! Thank you!
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health-quotes.talk4fun.net - here is my health insurance plan. As I remember they can provide such a service.
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Im in the national guard and im trying to get Tricare but I dont know who to call.?

I just need the number to a tricare representative so that I can start gettin Tricare health insurance. Does tricare cover everything? Is dental separate? How much does Tricare cost and is it worth it?
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Tri-care is a great benefit to being in the guard now. It provides affordable health care coverage to single and soldiers with families. This booklet http://www.tricare.mil/mybenefit/Downloa… should provide you with all the information that you are looking for. For a single soldier the cost is around 80 dollars and for a soldier with family it is around 250 per month. Dental is offered through United Concordia and is in addition to this benefit. http://www.tricaredentalprogram.com/tdpt…
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Why do we bother with repairing natural teeth and why isn't it covered on regular insurance?

This seems like a very silly question to which I'm sure there will be a lot of silly attempts at answering. However, I am seriously wondering why we bother with repairing teeth. It is nice to have our own teeth, but with the way that they rot and contain nerve endings for current practical reasons unknown to me, if any (what reason we keep the nerves, not why they rot)...it seems silly to bother with putting fillings in them that end up in needing resealing and refilling. Why not just kill the nerves that go up into the teeth, extract the affected tooth, make a mold and with that mold make a synthetic tooth as a replacement? Why do we need to keep patching these inefficient, high maintenance parts? It wouldn't bother me at all to just get rid of the nerves that go into the teeth. What do they really serve that the rest of the mouth can't tell us? The second part to the question is why is dental always apart from regular medical insurance? Do I get hand insurance because they're used more than most every other part of my body? No, why does dental get separated?
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The synthetic teeth you ask about are called implants. They are painful to have put in, painful to have to pull out the old tooth and cost around $2 to $3 thousand each. Very expensive mouth. Filling a tooth well costs about $2 to $3 hundred and can last 30 to 40 years. You can buy separate dental insurance. It's not included in most policies bacause everyone would get a one year policy, run up a huge dental bill and cancel as it's not usually an ongoing danger like the rest of our bodies.
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Am I receiving proper dental care or am I being mistreated?

I've always been leery of dentists and something never felt right. I've had bad experiences but I need answers. I've been going to this dentist for 2 years now. I started going to him originally because the dentist I went to before packed a cavity, the filling fell out a week later, he repacked it sloppy while cursing up and down, 3 yrs later badly infected tooth. So this dentist I've been going to for 2 years starts by fixing my infected tooth and gave me a root canal. He was so friendly and polite, I trusted him. I never trusted a dentist before that. I regret it now. So after my first cleaning he puts this stick against my teeth that has a small red dot light on the end to see if I have cavities. He tells me I have eight!! So its now two years later and he has done 10-12 of my teeth, 4 of my husbands, prescribed me a night-guard (when I know for a fact I don't grind my teeth and there are no signs of me grinding my teeth) and before him I only had two cavities filled. Now before him those two cavities were silver fillings, he has done all my fillings since then and their all white fillings. A filling he did last year fell out of my back tooth this october. He got me in his office 24-48 hours later and filled it. I said, "This is the filling you did why did it fall out". He tells me, "I didn't do that filling!" Now I saved the filling when it fell out, I felt it, it was loose for a while. The filling was the size of a pin head. Now when he was drilling the whole I felt like he was struggling with it, or drilling it more than needed to be done. So I go home look at it my tooth is gone for the gum line to almost the bottom on that on side?!?! From a pin hole to that? Not only that, there is a slit the size of my nail (because my nail fits in there) of open space between my tooth and the gum line that's exposed for water and food to get in and it hurts. Now me and my husband never had tooth sensitivity before, but since he did our teeth it comes and goes no matter how much time passes. So from the beginning my husband warned me to find another dentist that this one is money hungry. And I ignore all the signs, saying, " He's a nice professional, has up-to-date equipment, and its hard to find a good dentist their all butchers." Boy, was I right! I really woke up with his attitude and the way he drilled this tooth. Then I look back at all the facts. Now his secretary is trying to charge a yearly deductible. My insurance says I have no "dental yearly deductible in or out of network". This secretary argues it being rude saying stuff like, "I could tell you were a tight *** when I talked to your over the phone!". That comment was in regards to her sending a FINAL notice to my house saying I owe $30 dollars from 7 and a half months ago? And that if I don't pay they have the right to start charging %20 interest and they'll turn it over to a collection agency. I never even got a phone call before that. Then she says its $60 dollars, then oh wait, no $30 again. Then she bills the wrong insurance trying to get a hundred some dollars. All the while saying stuff to me like, " Look, I don't need to hear you just pay what you owe, I know you called a week ago I didn't return it because you should just pay, Your a liar you didn't talk to your insurance company, etc." So I get an insurance representative to finally call her, she says" no we never asked her to pay a yearly deductible"!!!!!!! BS And this secretary just started this summer, the old one I never had a problem with. I always pay right away and on time. This new secretary accused the old one of stealing? I do not believe her because she's always changing her story. So my questions are, what kind(s) of action can I take? Did he mess up that tooth I was talking about because I feel its gonna lead to a root canal? Can anyone recommend a good dentist in philadelphia? I am so consummed with anger its not even funny. I've been crying and stressed out relentlessly. I feel I'm going to loose my tooth by the time I'm forty. He took my health for profit, you can't replace that. How cruel is that!! I do not deserve to be treated like that by him or his secretary! What can I do?
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wow... okay... first, you can never know for sure if you're grinding while you're sleeping. stress can cause you to grind while you're asleep. since you already have the night guard, i would just advise you to keep using it. second, sometimes, cavities can be overlooked. maybe when you went to this dentist, he found some cavities that were undiagnosed by the previous dentist. third, replacing silver filling with white fillings is good since the white material doesn't contain mercury. now, to the tricky parts... pin sized filling fell out? maybe a piece broke off as opposed to the whole filling falling out? but he shouldn't have drilled more... that's where my issue is. he maybe would've drilled for like 2 seconds, but not a lot. the secretary is a dumba*s. you need to report her to the dentist, the manager, the better business bureau. also, if you believe your dentist is doing unlawful and unethical things... report him to the dental board of your state. i don't want to justify anything he did, but after reading more into it, your story did start to seem like they were money hungry. but the beginning does seem right...
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need dentures or at least partials in front. no insurance?

I am looking for resources, or insurance i can purchase that will cover me in getting either dentures or to get a partial to replace my top and bottom front teeth. I have no insurance as my job does not offer it, and living in arizona the public aid doesnt cover dental on anyone over 21. I have been in a car accident and have for real problems with my front teeth. Having them replaced would be a huge life saver for me. if anyone knows of any resources please help a sista out :p my preference would be to get partials to replace my front top teeth at least..
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You have four options with dental. 1. Visit a local dental school. You can get many procedures done for a reduced price if you're willing to let them practice on you. 2. Insurance - Depending upon the policy: cost $30-$60 per month. You pay a $50 deductible first, they have an annual maximum that they'll pay per year of $750 - $1500, they have a waiting period up to 18 months for major work and then you're paying 50% of the charges. Example - average cost for a full upper denture in my area is $1252. With insurance you pay $626 after paying 18 months of premium (around $800 or $900). Advantage - you can use any dentist with most plans. 3. Discount plans - Cost - $5-$12 per month. No deductible, no annual maximum and no waiting periods. Also, hardly any dentists will accept the plan and when they do you MIGHT get a 10% discount, which is about the same discount you can get by paying cash. Example - with discount plans you pay around $1125. Be very wary of these plans because most are scams. The people that sell these plans have little or no knowledge about health & dental insurance and do not need a license to sell them. The plans are not regulated by the state so you have no recourse when you have problems. Some states are starting to ban these plans from being sold. Here is an informative link http://www.insurancejournal.com/news/wes… concerning these plans. 4. Fee for Service discount plans - Cost $7-$15 per month. No deductible, no annual maximum and no waiting periods. Many dentist will accept the plan (check providers first before signing up with any plan). When you use the plan there is a set fee that the dentist will charge you. Example - with fee for service plans a full upper denture in my area will run as low as $518. I'm an insurance agent and my personal plan is the fee for service plan. I got mine here http://www.dpbrokers.com/default.aspx?lo… specifically the Aetna Dental Access plan but which one you get depends upon your area and comparing the fee schedule to find the best for what you need covered.
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dOG INSURANCE?

What website can you get dog insurance that covers sickness, accidents, yearly check-ups, dental, etc?
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theres also another place its called Care credit.com you can use it not only for yourself and your family but as well as your pets if the vet you go to accepts that type of card! GOOD LUCK
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What does my health plan mean by dentist number?

I'm applying for health insurance through my job. One of the options comes with a dental plan for a little extra which isn't a problem. It says to check the box next to the plan you want. Next to that it asks for a dentist # the box is not big enough for a phone number. So I'm a little confused. Do I try to fit a phone number in there and hope for the best, or do dentists have specific ID number.
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All dentists have a unique provider number which represents them, and their place of work. Your health insurance is likely asking for that number. If you give your dental office a call, they can provide you with the detail for your dentist.
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