I am interesed in medical insurance how do I go about looking into it?

I am interested in dental insurance
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Talk to a local, indepenent agent for quotes. But I've never seen a private dental policy that was "worth" the money, so be sure to read the coverages carefully - between the exclusions, the copays and the wait periods, they ALWAYS end up costing more per month than they pay out.
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Where can I go to get dental work without insurance that will be cheap?

I really need some dental work I've been putting off because i don't have insurance right now... plus really can't afford the high cost it will likely entail. My back tooth is starting to drop because a few years ago some crazy Dr. pulled the bottom tooth that it was resting on. I'm really worried and don't know what to do- I don't know if they'll have to pull the tooth now or add a bottom fake tooth so push the top tooth back up into place! Ughhh... Any insight would be great.
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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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How can i get free dental care without having to go to Prison?

*I need my wisdom teeth removed and a root canal and other work my job only gives Medical insurance not dental and my job doesnt pay me enough
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Check your medical insurance to see if they cover " Surgical removal of impacted wisdom teeth". Many of them do so, and that will be a big chunk of expense if your wisdom teeth fall in this category. And Care credit is great. Good luck
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Where can I get dental work done in Jacksonville, Florida?

I do not have any dental insurance coverage and I only work 25 hours per week,but I truly need some dental work
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Just a guess...why not try a dental office. Good Luck
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I need a dentist for free. I have a horrible toothache, but I have no cash and no insurance. Can anyone help?

I have more decay in my mouth than enamel. I'm so ashamed and embarrassed. I have no dental insurance and cannot afford the treatment I need. I used to feel beautiful, now, well, it's hard to feel human when you can't even smile.
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Many dentists offer a payment plan. Look in your local phone book and call around til you find one that does. Some dentists do a certain percentage of pro-bono work per year, although it's usually for children. Ask if you meet the requirements to receive their pro-bono offer. You may be able to trade your services for treatment. What are your skills? Can you build a website, for example? What can you offer them?
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How to find a dental plan for a wisdom tooth that I need cut out now?

I do not have health insurance, or dental, right now because my husband and I are self-employed. I do not qualify for medicaid. I have a wisdom tooth that is very painful and infected and I need it removed very soon. I'm on antibiotics right now to clear up the infection, but I cannot afford the out-of-pocket cost for the surgery to remove it. What are my best options? A discount dental plan, for example... I need some good ideas of what I could do to find assistance in paying for the surgery to remove it.
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Your best bet would be a dental school, where you can get good service for a reasonable cost. Care Credit is an organization which will give you a credit card where you pay it back without interest within a certain timeframe. You can search out Care Credit on the internet and find the nearest dental school here: http://www.yourhealthplanadvisor.com/Den… Dental insurance will have a waiting period and you probably wouldn't be able to last that long. However, being self employed is no reason not to have health and dental insurance. Many of my clients, myself included, are self employed and we all have our own policies.
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Am I the only one who thinks Dental prosedures are too expensive?

I just got back from my dentist, I need two root canals and two crowns. I have dental insurance but its still going to cost me $1850.00. 2 teeth that much? I know I am lucky to have insurance but still with insurance its too high. This is a good reason American Middle Class never get ahead, we can't afford the heath and dental care.
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I had a service call to "clean my pipes" when our sewer line was sluggish. The gentleman was here for FIFTEEN MINUTES. I mean, from the time he rang the doorbell until the time he slammed his van door on his way out of the drive was FIFTEEN MINUTES. He took one cap off a pipe and did the plumber's equivalent of opening up a tooth for root canal with a 3 foot snake. That was all it took. He charged $169.00 for this, which was his minimum charge for a service call. Let's say that was all he could make in an hour, because he has to drive from one location to the next. This money is HIS money, as he answers his own phone and handles all of his own business. He has no salaries to pay. As far as I can see it, he had to pay for gas to get to my house and that was his only variable expense involved in the call. His fixed expenses are for his equipment. In my case, he used a snake that is exactly like one I saw at Home Depot for thirty bucks. Depreciate that over a 7 year period....... Nevermind. You understand what I'm saying. Personally, after 8 years of higher education, I'd like to have a net income close to what the man who opened up my sewer pipe makes per hour.
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Will forcing insurance companies to accept all pre existing conditions, dental, prescriptions & Dr. office?

visits lower the cost of health insurance or raise it? Why do Democrats think forcing insurers to provide all of these things will lower the cost of insurance? Is it just wishful thinking or pure ignorance?
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The insurance companies want to insure only the healthiest people. Consequently, tens of millions of Americans can't get insurance, so WE ALL pay for their care. The whole reason we have medicare/medicaid is that the insurance companies didn't want to bother with the elderly, the poor, the chronically ill, so the fed. govt. took them off their hands and you and I pay for their care. Those who can't get that, show up at ERs to get their routine care, and not only do we all pay, but we pay a lot more! Hospitals are required to treat people, to a certain level, regardless of their ability to pay. So hospitals get their money back by raising rates for those who -can- pay. Ever wonder why a Tylenol costs $20 in the hospital? If everyone could get insurance, everyone could get 'well care', and we'd save a lot of money there. Nobody would have to use the ER for non-emergency services and we'd save a lot there. It comes down to this: Which is more important to you, access to health care for all Americans, or excess profits for a handful of corporations?
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Can i have two dental insurances?

I recently had an accident and need alot of work on my teeth, i think the next think i need is a bridge to replace 3 teeth. I already have one insurance, united concordia, but they will only pay 1200 dollars per year. I was wondering if i can get another plan some place else and use them both, also i would need another one with no waiting period.
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I am not gonna say that I am totally sure about the answer.it is really depending on the personal mind.thus it would better for you to try to find the best answer yourself.Here    www.HealthInsuranceFree.info/dental.html    is a good resource for reference though.
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I don't have health insurance, need dental work help!!!!?

Hello, I am a 21 year old male currently attending college, and working part time as a swim coach. I make just enough to pay for my car, insurance, phone, gas, and food. I looked around at different health insurance plans, but could not find one that is affordable to me, and has dental coverage. Over all I am in good health, have not visited a doctor since I was a kid. Last time I went to a doctor for a physical in high school, well I am afraid same goes for dental. I have not seen a dentist since last time I got a filling which was when I was like 14. I need to see a dentist ASAP, not that my teeth hurt, but I can see a cavity on my wisdom tooth. With the new health care reform and all, I am I eligible for any thing in particular? Any new programs or plans?
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If you are low income you could try applying for medicaid as there are dentists that accept medicaid insurance plans. Alternatively you could just try to find a good dental insurance company with an affordable plan. For more information about dental plans, cost, etc, you can visit this site http://www.cheapinsurancehq.com/How-Much…
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Aetna DMO ; dental group on list, charged me for something I should not have paid for.?

I was reading some questions about Aetna's DMO and how ppl are being overcharged. My husband's plan is DMO; we can go to anyone on the list. Found mostly "dental groups" within the DMO program. Meaning a gazillion dentists are employed there as well as "specialty" DDS's . I read on my husbands insurance that Root canals are 100%' referral required, which I got from my PCD. Upon finish of just the RT, i was charged 96.00. Aetna's website shows they paid the Dentist 100% ; so why did the dentist take 96.00? They had to have their butts set on fire to send Aetna a pre treatment letter. I never got that. I got a half estimate of what to expect but the numbers aren't matching up. I have to get my final crown on this RT(been a month now on one tooth) and I refuse to pay what I already did. I hope they don't get ticked after all they probably have 1000 dollars more than they are supposed to have from one tooth. (quoted 1000 per tooth on RT, crown post and whatnot) I think I paid that plus Aetna paid out 1000 as well. Damn, Im in the wrong business. lol Should I take this one step up and write to the Atty. General of my state? Consumer affair fraud dept.? (state : NJ) I think we are being charged for stuff clearly stated to be 100% paid by Aetna. This dental group IS in the list for DMO.
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First turn your Aetna card over and call the member service number. Speak to them and have them explain why you are charged what you are charged and tell them all the payments you have made to the insurance.
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Will my son be turned down for insurance?

I have an autistic son, and I have decided he needs better hospital insurance than what he has (I have regular health insurance, but his hospital coverage is not great). So I applied for extra hospital insurance. Aside from being pretty severely autistic, he's physically a pretty healthy kid, no major problems, no ongoing treatment. However, recently he needed to have a dental procedure, and they decided it was best that it be done in the hospital, and that he be fully knocked out. A few years back, he also needed to be knocked out for an MRI (he had a seizure, but none since). Anesthesia is expensive, and when he had the dental procedure, it maxed out the hospital coverage on my current plan and I got stuck with a $9000 bill. Hence, the decision for better hospital insurance. When applying for health insurance, they do 5 year medical records check, and those two things are going to come up. What's going to happen... Will I have higher premiums? will they refuse to cover anything they deem is caused by his autism? Or will they flat out reject him? Or will it not be a problem?
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You will find the following sites below to have a wealth of information about your problems: Arguments In Support of Private Insurance Coverage of Autism-Related Services http://www.autismspeaks.org/docs/argumen… When a child is diagnosed with autism, parents do what they know best – pursue the most effective intervention services they can find for their child. This is what Joe and Elizabeth Micheletti did for their son Jake when he was diagnosed with autism two years ago. They found an effective intervention http://autismblog.easterseals.com/tag/he… Mom wins fight for autism insurance : http://www.cnn.com/2008/HEALTH/condition… How To Get Your Child's Autism Treatments Covered By Health Insurance http://autism.about.com/od/financialreso… Health Insurance Reimbursement Tips & Tricks http://www.talkaboutcuringautism.org/hea… Autism Speaks Pushes Health Insurance Coverage in Florida, California and Michigan http://autismbulletin.blogspot.com/2007/… How to find autism health insurance information: http://autismbulletin.blogspot.com/2008/… INSURANCE COVERAGE FOR AUTISM http://www.cga.ct.gov/2006/rpt/2006-R-07…
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What's the best way to...?

Unfortunately I do not have dental insurance so I haven't been to the dentist in 7 years. I wondering the best way to take care of my teeth. Anything you can think of - Do' and Don'ts? Products?
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walmart is now selling a new toothbrush which is not like the normal one it is more rubbery and cleans plaque easier without all the abrasive scrubbing..and cost is less mix toothbrushes i would suggest
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Question regarding a dental bill?

Late last week, I received a bill in the mail for "pulp cap - indirect" for $50. I have a couple of questions about this. My first one being, what exactly does this term mean? Onto my issue... I had a filling done about 3 months ago. At the time I was told he was going to put some type of medicine under the filling to protect whatever is underneath, and prevent further problems (I'm assuming maybe that's what the bill is for?). I have medicaid, and at the time I was not working, so I had no income of my own. I did receive child support payments, and social security benefits for my brother. I was completely baffled after seeing the bill, so I called today in question of it, since I'd thought my insurance covered most things. I was told that this just happened to be something my insurance did not cover, a first for me in my 2 years having it. Still, I didn't think it was a huge issue, I mean it's only $50. However, I'm pretty upset that no one at the dental office told me I might be billed, and now 3 months later - surprise! I was told from someone in the billing dept that if I can prove my wages for the time this was done, they might be able to bring down the bill a little bit. Problem is, I didn't have any wages! So my questions... Firstly, am I wrong for being upset that no one told me I'd be billed for this? Is there any way to prove my wages from 3 months ago? I plan on setting up a sliding fee with them in case this happens again (since I didn't know until today I could do that). I'm not trying to get out of the bill, I am just upset I didn't know about it until now. Thanks for any help!
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That term could very well refer to the filling. As for proving what you were earning so that the billing department could consider bringing down your bill, ask them what information they need to prove what you weren't making. As for them waiting for three months - WOW! You heard back from them soon! The way things go with our dental insurance plan, we often don't get bills until six months or longer after the procedure when we have something to pay on it. (And my husband and I each have dental insurance through our employers with a well known and trustworthy dental insurer.) The dental office may not have told you about this because they might not have known just what you were going to have to pay or not pay until after medicaid had finished with the bill.
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Suffering from EXTREME toothache pain. Feel very faint what should I do? Please help!?

Ive taken extra strength Tylenol and applied clove oils but nothing works...Does anyone know what I can do? I don't have dental insurance nor a job. I cant wait on assistance. Can the emergency room do anything about this? I am in so much pain I feel faint and weak. Please Please please help.
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You need to see a dentist. An emergency room might see you but there isn't much they can really do.
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Getting braces...switching insurance?

Hi I am thinking about getting braces...but I may be switching insurance providers. Right now, I have this discount plan that gives discounts on medical, vision and dental services or costs called Ameriplan. But I am getting married in a year and my husband/fiance is in the military so I will be switching to his healthcare insurance, which I believe is Tricare. If I switch insurance companies will my new insurance(tricare) providers care for my braces even though it was preexisting? I do not mean that cost, I only mean the exams, the tightening that needs to be done with braces and etc? Thanks.
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Having braces isn't the same pre-existing condition as compared in healthcare. Switching over to another insurance basically means your previous insurance will cease payments and your new insurance will just pick up where you were. My advice, since I work in dental and handle insurances, is that you make sure your husband's Tricare policy covers orthodontics. Once you know it covers orthodontics, and you find out the maximum and the percentage it pays out, you should be fine. Tricare pays very well, they take care of their own.
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Should I get this tooth pulled?

Here's the gist.. about 8 months ago I had a root canal on a tooth. Because my family lacks dental insurance (ours only covers about half) I put off getting it crowned. Now my tooth hurts, and on the backside of the tooth it is dark, as if there is a cavity but inside the tooth. I've looked up other questions on here and it seems that there could be multiple reasons for this. Now, here is my current situation. I am 22 and have my wisdom teeth coming in, the one on the bottom right is already mostly in, but there is no room for it really. The currently hurting tooth that had the root canal is bottom left. Because my parents (who I am currently dependant on) worry about the expenses, I am scheduled to go have the root canal tooth pulled next week and let the wisdom tooth on the left side grow in. Obviously, the idea of this scares me, I'm worried about if this whole thing will work out or if the wisdom tooth on the right side will cause issues with the sudden gap in my teeth.
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Root canals can need to be repeated, after a few years. Don't pay attention to the answer before this. If she really is a dental assistant, she would know that. It's also possible that they didn't get all of the nerve/tissue out of the root the first time. That, while not common, has been known to happen. If you have a root that can't clearly be seen on an x-ray, it is likely. Also, when a root canal is done, they remove the nerve and tissue from the root itself, not the surrounding bone and tissue. If you have something else going on around that tooth, it's logical that it would hurt. Talk to the dentist who did the root canal and ask if he or she would be willing to look at it. My dentist does root canal corrections for free.
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question about marine reserves from somone in marine reserves or with good knowledge of them...?

i am thinking of joining marine reserves and i need to know do they pay for any of your schooling...and what health and dental insurance am i elligable for and will i stay in my hometown when i get back and go to drill on weekends once a month ..and if i pick a mos will i go to a sort of ait training after boot or how does that work just all this and anything else ive left out would be greatly appreciated thank u ....
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Here is some basic info on the reserves USMC. -You get to choose your actual/specific job. It is in your best interest to pick a job that is nearest you to avoid long travel. You can only pick a job that is in your area. -You will do boot camp, then if your job is NOT infantry you will do combat training for 1 month. After this you will go to your MOS school and once you graduate you go home and do the weekend warrior thing. -If your job is infantry then after boot camp you go to infantry school for 2 months and you do not do combat training. -While you are in boot camp, school or on any type of duty you have free medical and dental as you need it. When you are at home doing the weekend warrior thing you do not get those benefits. -You do get the GI bill but not immediately. I do not know the specifics of this, but you do get educational benefits. The longer you serve the more you get. -Remember that reserve units can become active for up to a year. This means you will be gone for a year or longer if activated. You never know if you will or will not get activated. While active you get all the benefits.
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question about a dead tooth, please help!?

I have a tooth that i think may be dead, I did the ice cube trick and did not feel the cold but when i drank a frappucino i felt a cold sensation on it... What can i do about it? I know I should go to the dentist but unfortunately have no dental insurance. I will still go but can anyone tell me what may happen to it and if there are any options other than extracting it? thanks and all help is appreciated!!!!!
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You should read this page.... My friend told me she got a root canal and I didn't know what exactly it was so I looked it up and I think you should read it too I have a wisdom tooth that needs to go out this coming Sat I have no insurance either but when you gotta go you really can't avoid things like that when it comes to your health you should look around your area for an affordable dentist that can treat you and offer you a payment plan. http://tuberose.com/Root_Canals.html Best Wishes!
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not the greatest smile, what should i do?

my boyfriend of 10 months and i talked about marriage and when i asked him if it was something he wanted he said yes but you have to fix you teeth before we think or even talk about it, my teeth are not that bad but they could be whiter and are not completely Straight.is this really a reason to not marry someone? and at the same time its something i want to do but i have no dental insurance and don't even know where to start, and help or suggestions.
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I would kick him to the curb. He is obviously more concerned with appearances rather than you for you. If you do fix your teeth, make sure you do it for yourself and not him. If you do decide to fix your teeth, see if there are any dental clinics that charge based on income, see about getting a care credit account, try to find a dental school in the area; schools will often let students work on people for low prices, also call around to dentists and check prices and see if they do free consultations.
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Medicaid application question- what to say on forms when you live with boyfriend but he doen't support you?

I'm a 28yo ft student that hasn't made a dime since Jan. I'm taking to way many credit hours to work. I got a little fin. aid and had to take out a student loan. I haven't even gotten the check yet, so I'm dead broke and in debt. It's not such a big deal, I've been broke before, I can do it again. The problem is, I need health and dental insurance. Every independent plan including student plans cost atleast $100 a month, I can't afford that. I've been told I would qualify for medicaid and it's free. But I know they will ask about who I live with and how much he makes. My boyfriend makes good money, but he doesn't support me. I haven't been paying rent but once I get that check he wants me to pay atleast a little. So, what do I say on the forms? If I say I do pay rent, will he have to mention that when he files his taxes? If I say I don't pay, will they he supports me and want to include his income? I truly am broke, can't work, am not being supported and need insurance. what do I say?
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Just fill out the forms as if you're living by yourself. Leave your boyfriend off the forms. Since you and your bf aren't married, you're considered two seperate households. Even though you both live together and especially, if he doesn't support you. And he doesn't have to worry about the tax issue. You're helping pay the rent, not supplimenting his income. You can say you pay a small portion of the rent or not. If you're really unsure, just call the SRS/Medicaid office and ask. About 10 years ago, I was in a similar situation. My case worker suggested to fill it out this way, as I was the one taking care of myself and my son. Even though I was still living with my parents.
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Where can I get information on California medical benefits pertaining to child support?

My child support requirement is from Kansas. I live in California and have been paying through the DA's office here. Now they are saying that I have to have medical and dental coverage for my kids when they are not even allowed to come to California and the insurance my employer provides is no good in the state my kids live.
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The California Department of Child Support Services Good luck in a tough situation.
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Low cost dental clinics?

I need to find a low cost dental/medical clinic in Miami, FL. My bf started a root canal when he had insurance but he lost his job and no longer has insurance. COBRA is way to expensive, and he just wants to finish the root canal. He is in a lot of pain, and i gaurantee his tooth is infected. Can someone please guide me in the right direction?
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Maybe this site will help: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago now and they have saved me thousands of dollars over the years. From Root canals, crowns, extractions, xrays...etc. All services are included in this very affordable plan. They even had my benefits active in 2 hours and was able to use them the very same day. Good luck and hope this helps
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unemployment: can they deny you if you dont accept a demotion?

I live in the state of Oregon. I have recently been able to see the papers that my former employer sent to the employment department. They had me sign what I was told was a termination paper and all it said was "performance", after I left they apparently circled "no" where it said "is this a termination?" and where it said "have any warnings been given?" and she put "yes, verbal and written", which is a lie and was not marked when I signed their cheezy home made paper. The other thing is she is now claiming I refused 2 positions which is also a lie! She said I could go commission only (which is not possible financially due to their low production overall as a company the last 2 months and i do have proof of this) and she also offered to demote me to a position that has a schedule I can not adhere to due to childcare reasons. Now she is claiming I turned them down when in fact I had asked her if she expected an answer now because I feel I should have a day to think about it and sort things out before I accept a position, and I told her honestly that I didn't know I would want to come back, and her response was "just sign the paper then", I don't see that as turning down work, I see that as she didn't like my honesty so decided to just term me. Can they deny me unemployment in this situation? I feel even if I had declined the positions I had good cause not to accept. Also, I have emails of my asking for dental insurance and the owner responding "I will have decide what to do with her soon with her, she isn't making us money at this point", 2 weeks before I was terminated. I viewed these on a shared computer, and the emails were wide open. Can I use this as proof? or would I risk getting in trouble? Is it technically considered my former employers property?
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Yes they can offer you a job that pays way less as long as they offer you a job clears them of any criminal lawsuits. been there. With me no job was offered which made it wide open for a lawsuit.You should talk to an Attorney that specializes in this. it is very hard anymore to convict Businesses as it has gotten so very common,juries have become hardened.
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