We have insurance, but it is a $300 copay and a $1000 maximum. I live in far South Austin, Tx. I had a back tooth break off a year ago and never can afford dental treatment. It is so painful now. I think it is infected. My parents never took us to the dentist when we were kids and now I am terrified to go. But if I don't go I know I will loose my teeth. The bottom front are starting to hurt. I can not afford all this. My credit is not good enough for credit due to a student loan in default that should be out of default in 4 months and I can not wait that long. It is very painful and I do not want to loose my teeth. I believe the broken tooth is already down to bone. Can someone please help.
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Antibiotics to start. You do have an infection and most likely need this tooth pulled. If the tooth is broken off at the gumline, there probably isn't much you can do to save it at this point. Go to a dentist. Request a problem focused exam. The dentist will then be able to at least give you antibiotics which will help with the pain and buy you some time while you save up some money. Abscesses are serious business and should be treated as such. These infections, if left untreated, can enter your bloodstream and kill you.
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Monday, June 13, 2011
Husband needs dental work - how to pay for it?
My husband lost a front tooth a few years ago and he literally has a tooth that's sort of glued into place there. The tooth falls out frequently and he needs to get a better fix. Problem is insurance will not cover it at all and it seems all possible fixes cost between $2500 and $3500. With 4 kids, a mortgage and all our other expenses - we cannot afford that. Is there anyway to get help with a dental issue like this. He's a Supervisor in a school district and walking around with no front tooth is not an option. Any ideas?
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Talk to the dentist's office manager. See if you can work out an extended payment plan. It's so much less embarrassing than passing the hat.
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Talk to the dentist's office manager. See if you can work out an extended payment plan. It's so much less embarrassing than passing the hat.
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Looking for dental help?
I'm looking for some dental help. I have a few teeth that need some work done. Nothing major. There are a few places here that will help but they offer minor procedures like tooth extraction or filling a cavity. I want to keep my teeth. I've been eating on one side of my mouth for 5 years now and have a toothache presently on the other side. It seems every time I got pregnant my teeth got worse. So no more children for me but now my teeth need serious condition. I had health insurance but it wasnt covering and I dont make much money with crunchy credit. Are there grant programs out there that help with that? Im to the point where Im at my wits end. Any information would be helpful. Not really into a loan (crunchy credit & just too many bills as a single parent.). thanks
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Check into any dental schools in your area they provide inexpensive high quality dental work - however, it does take quite a lot of time as every step of the work has to be checked by instructors.
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Check into any dental schools in your area they provide inexpensive high quality dental work - however, it does take quite a lot of time as every step of the work has to be checked by instructors.
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Forgot to waive health insurance... help?
I am a college student in my first year. I get about 100 spam emails a day, so I don't read my student emails unless they are from a professor. Anyways I got a health insurance card today from Aetna (along with a bill for $473) because I did not waive my health insurance by the "deadline" Even though I am fully covered medical and dental under my parents. I called Aetna on the phone and told them I am covered and they basically said to bad. I went to the school and they said the same thing. Is there anyway they can make me pay the bill?
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Hi, I have found this site to be use full. Check it out……..
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Hi, I have found this site to be use full. Check it out……..
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No Health Insurance But Might Have Strep?
Any idea on how to cure a sore, swollen throat with more than just warm tea? Basically about 45 minutes ago, my throat started feeling scratchy, and now it hurts to breath. Having had strep before many times with health insurance, I know that it hurts bad and costs a bunch to cure. Now that I have no health insurance, and have $0.00 in my bank account thanks to a $500.00 Car Repair, and a $1000.00 Dental Surgery in 3 weeks, I need some way to get my throat better and my immune system up. Should I take a vitamin D with 1000 IU? If I do have strep, than I'm basically screwed because I cannot afford any kind of health insurance or doctor visit. Any help will be greatly appreciated.
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No suggestions on how you can obtain money for treatment but strep needs to be treated. Treating Strep Throat In most cases, doctors prescribe about 10 days of antibiotic medication to treat strep throat. Within about 24 hours after taking the antibiotics, temperature will probably be back to normal, and you will no longer be contagious. By the second or third day after taking antibiotics, the other symptoms should start to go away, too. Even though you may not feel sick at that point, it's very important that you finish the antibiotic prescription. If you stop taking antibiotics too soon, bacteria can remain in the throat and the symptoms can return. If you are not treated for strep throat, you are most infectious when the symptoms are the most severe but could remain contagious for up to 21 days. Lack of treatment - or not finishing the prescribed course of antibiotics - also could put you at risk for other health problems, such as rheumatic fever (which can cause permanent damage to the heart), scarlet fever, blood infections, or kidney disease.
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No suggestions on how you can obtain money for treatment but strep needs to be treated. Treating Strep Throat In most cases, doctors prescribe about 10 days of antibiotic medication to treat strep throat. Within about 24 hours after taking the antibiotics, temperature will probably be back to normal, and you will no longer be contagious. By the second or third day after taking antibiotics, the other symptoms should start to go away, too. Even though you may not feel sick at that point, it's very important that you finish the antibiotic prescription. If you stop taking antibiotics too soon, bacteria can remain in the throat and the symptoms can return. If you are not treated for strep throat, you are most infectious when the symptoms are the most severe but could remain contagious for up to 21 days. Lack of treatment - or not finishing the prescribed course of antibiotics - also could put you at risk for other health problems, such as rheumatic fever (which can cause permanent damage to the heart), scarlet fever, blood infections, or kidney disease.
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Forgot to waive health insurance... help!?
I am a college student in my first year. I get about 100 spam emails a day, so I don't read my student emails unless they are from a professor. Anyways I got a health insurance card today from Aetna (along with a bill for $473) because I did not waive my health insurance by the "deadline" Even though I am fully covered medical and dental under my parents. I called Aetna on the phone and told them I am covered and they basically said to bad. I went to the school and they said the same thing. Is there anyway they can make me pay the bill?
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That's not done via email. That's one of the little "gotchas" that the schools charge you for. It would have been in your registration paperwork.
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That's not done via email. That's one of the little "gotchas" that the schools charge you for. It would have been in your registration paperwork.
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Are people going to have teeth anymore?
The poorest people are more likely to obtain health insurance than some other individuals in the USA. Dental is where it gets expensive. Most people I knew don't have dental, if health insurance. Another reason to become successful...
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I don't remember toothpaste and a brush being all that expensive? Take care of your teeth and you will be better off. If you let them rot of course it is better to have dental coverage.
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I don't remember toothpaste and a brush being all that expensive? Take care of your teeth and you will be better off. If you let them rot of course it is better to have dental coverage.
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Dentist or Dental Experts?
I finally got dental coverage for my son. He is 6 yrs old. I took him to the dentist, x-rays where done, doc told me there needs to be 11 teeth extracted due to severe cavities. Now there is an issue, according to Doc, insurance will cover procedure but not the general Anestassia. Claiming due to the amount of teeth being remove this is a must! Making me super stressed b/c I don't know where to get this money. As it is my wages have been cut!! General Anesthesia is about 425.00 (x2; two sittings) a total of 850.00! Money I don't have. So, I'm wondering if this is a must (general anesthesia) or can local sedation is enough to go trough the procedure..... PLEASE HELPPP!!!!
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Based strictly on your description and the age of the child, I would follow the recommendations. He already has major problems and they need not be compounded by a very traumatic dental experience without proper anesthesia. I would want the best possible care and would not try to cut corners with sedation, which is very dangerous on a young child. Though it may hurt financially, do the right thing....it is your child! Good Luck
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Based strictly on your description and the age of the child, I would follow the recommendations. He already has major problems and they need not be compounded by a very traumatic dental experience without proper anesthesia. I would want the best possible care and would not try to cut corners with sedation, which is very dangerous on a young child. Though it may hurt financially, do the right thing....it is your child! Good Luck
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Why do people think the insurance companies are lying when they say the Baucus health care bill will raise?
the cost of health insurance for Americans? The Baucus bill requires all future health insurance policies to include: Cover all preexisting conditions. No life time cap on claims. All doctors office visits. Dental coverage on all policies. All prescriptions included. All mental health issues. How can Liberals gloss over the fact that that's going to make health insurance more expensive? Just saying the insurance companies make too much money already is not going to change reality.
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The insurance companies are running scared and are seeing their choke hold on people loosing.*
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The insurance companies are running scared and are seeing their choke hold on people loosing.*
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Why do people think the insurance companies are lying when they say the Baucus health care bill will raise?
the cost of health insurance for Americans? The Baucus bill requires all future health insurance policies to include: Cover all preexisting conditions. No life time cap on claims. All doctors office visits. Dental coverage on all policies. All prescriptions included. All mental health issues. How can Liberals gloss over the fact that that's going to make health insurance more expensive? Just saying the insurance companies make too much money already is not going to change reality.
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They wrote the bill. It's a corporate welfare check. We need to get rid of the private insurance industry altogether and institute single-payer.
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They wrote the bill. It's a corporate welfare check. We need to get rid of the private insurance industry altogether and institute single-payer.
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I need to find an insurance company?
I need to find Insurance that is affordable and covers Pre exisiting injuries, maternity coverage, and dental care. Anyone know a company that does that?
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Yep, welfare health insurance. That's it. No "real" insurance company could stay in business, if you could wait until AFTER stuff went wrong before you bought the coverage. No one buys maternity unless they want to use it, so it's basically prepaid, with long waiting periods. And, for the record- dental is a different policy than health.
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Yep, welfare health insurance. That's it. No "real" insurance company could stay in business, if you could wait until AFTER stuff went wrong before you bought the coverage. No one buys maternity unless they want to use it, so it's basically prepaid, with long waiting periods. And, for the record- dental is a different policy than health.
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What do you do if you can't afford the price of a dental crown after root canal in the US?
I've established from research here that the price of a dental crown after root canal is on average $800-$1000 in the USA. What do people do without insurance and who can't afford that do in the US? Surely not just pull the tooth...?
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I had root canals 4 years ago, I have tried saving money to pay for crowns, but I have not been sucessful, so thursday, I am getting all my top teeth pulled and getting a denture.
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I had root canals 4 years ago, I have tried saving money to pay for crowns, but I have not been sucessful, so thursday, I am getting all my top teeth pulled and getting a denture.
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Any insurance advice for Invisalign?
I'm trying to get Invisalign for my teeth but I dont have any dental insurance. I'm about to be 21 in 2 months, does anyone know of any insurance that covers invisalign and isn't a ridiculous amount to pay per month or something (i dont entirely understand how it works...)
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I don't know of any insurances, but you should see an orthodontist. Most offer free consultations and you can arrange monthly payments to pay for services. Hope this helps.
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I don't know of any insurances, but you should see an orthodontist. Most offer free consultations and you can arrange monthly payments to pay for services. Hope this helps.
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Is it true that Big Bad Insurance Company Blue Cross is raising their premiums to 35%?
Can you blame them? Only Individual coverage premiums will be raised because young healthy people are not applying for medical insurance. Also keep in mind the cost of health care is going up therefore Blue Cross in CA will need to raise the premiums on the individual coverage in order to pay their member hospital, dental, or patient visit bill. What are your thoughts on this matter?
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You do know that they are paying out a ton of money for claims. Did you also know it is a business and not a charity.
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You do know that they are paying out a ton of money for claims. Did you also know it is a business and not a charity.
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does anyone know of cheap dental plans?
i dont have dental insurance and need to get my teeth cleaned and a few extracted,i need a affordable dental plan PLEASE!!
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The cheaper plans dont pay for much, you end up paying most of it in addition to the cost of the plan, rather pay cash and dont go on a plan, try ameriplan or kaiser
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The cheaper plans dont pay for much, you end up paying most of it in addition to the cost of the plan, rather pay cash and dont go on a plan, try ameriplan or kaiser
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how do i do the course of insurance? where do find and how much it cost?
i've heard the money you pay it comes back when u finish the course.. looking forward to do.. rrsp,resp,disability,critical illness,mortgage,visitor insurance, ... health and dental plan... etc..
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yes, well, most people can't sell enough to cover their costs, and drop out. You can find courses through your state insurance department, or your state independent agent office www.iiaa.org .
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yes, well, most people can't sell enough to cover their costs, and drop out. You can find courses through your state insurance department, or your state independent agent office www.iiaa.org .
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Can you recommend me a good health insurance?
I missed out on signing up for healthy insurance where I work and I'm becoming worried that I might have to go see the doctor soon. So I'd like to get a good quality insurance. I'm 22, male, single no kids and I'm from texas. If you know of a good insurance that covers well please share. I'd like to sign up really soon. Also if you have any for dental and vision coverage that would be great! Thank you.
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If you're young and relatively healthy you may have some pretty affordable options when purchasing coverage on your own. Given your age, you may also be able to stay on your parents' plan. One of the provisions of health reform law allows adult children (whether or not they are in school) to stay on their parents' plan until age 26. That provision goes into effect this September. Talk to your parent's Human Resources department to learn more. If you want to purchase coverage on your own, however, I'd recommend working through a licensed agent. It's not generally a good idea to make a straightforward recommendation without more information than you've provided here. But a licensed agent (online or off) can help you get quotes from a variety of insurers in your area and help you find the best match for your needs and budget. It doesn't cost anything extra to work with an agent. Through our company's site at www.ehealthinsurance.com, for example, you can compare plans in your area and read customer reviews before applying. And of course you can also talk with a licensed agent for personal help. Whatever you choose to do, just make sure you get covered. Best of luck!
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If you're young and relatively healthy you may have some pretty affordable options when purchasing coverage on your own. Given your age, you may also be able to stay on your parents' plan. One of the provisions of health reform law allows adult children (whether or not they are in school) to stay on their parents' plan until age 26. That provision goes into effect this September. Talk to your parent's Human Resources department to learn more. If you want to purchase coverage on your own, however, I'd recommend working through a licensed agent. It's not generally a good idea to make a straightforward recommendation without more information than you've provided here. But a licensed agent (online or off) can help you get quotes from a variety of insurers in your area and help you find the best match for your needs and budget. It doesn't cost anything extra to work with an agent. Through our company's site at www.ehealthinsurance.com, for example, you can compare plans in your area and read customer reviews before applying. And of course you can also talk with a licensed agent for personal help. Whatever you choose to do, just make sure you get covered. Best of luck!
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Good dental plan that covers oral surgery?
My boyfriend needs his wisdom teeth pulled plus some other teeth removed. He has no dental insurance and lives in Pennsylvania. The dentist estimated him a cost of about $1945, but if his other teeth that need removed have to be removed surgically then thats another $900. His credit isn't that good and I don't think that Care Credit will apporove him. He won't go to the dental school b/c he had a bad experience with a previous dentist and is afraid. Any suggestions on a good dental plan?
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He probably doesn't have the time to wait for regular dental insurance. The premium for a good dental plan in PA will be around $40 per month. The waiting periods on dental insurance for major treatment such as oral surgery and wisdom teeth extraction is 18 months. This means you have to wait until the 19th month to get the procedure done and then the insurance only pays 50% of the bill. Plus you have yearly maximums and yearly deductibles. I'm an insurance agent and I don't have dental insurance. I have a dental discount fee for service type plan. You can find one for your boyfriend here: http://www.dpbrokers.com/default.aspx?lo… The premium for the plans in PA is around $100 - $130 for 15 months coverage. They will only give you a discount of around 20% - 25% but there are no deductibles, no yearly maximums and no waiting periods. One word of advice before getting on any dental plan. If your current dentist is not on the provider list you'll need to find a new one that is. Before signing up for the plan call some of the dentists that are listed to make sure they're still in the plan and are taking new patients.
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He probably doesn't have the time to wait for regular dental insurance. The premium for a good dental plan in PA will be around $40 per month. The waiting periods on dental insurance for major treatment such as oral surgery and wisdom teeth extraction is 18 months. This means you have to wait until the 19th month to get the procedure done and then the insurance only pays 50% of the bill. Plus you have yearly maximums and yearly deductibles. I'm an insurance agent and I don't have dental insurance. I have a dental discount fee for service type plan. You can find one for your boyfriend here: http://www.dpbrokers.com/default.aspx?lo… The premium for the plans in PA is around $100 - $130 for 15 months coverage. They will only give you a discount of around 20% - 25% but there are no deductibles, no yearly maximums and no waiting periods. One word of advice before getting on any dental plan. If your current dentist is not on the provider list you'll need to find a new one that is. Before signing up for the plan call some of the dentists that are listed to make sure they're still in the plan and are taking new patients.
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What is the difference b/w employee benefits (ie health & dental) and finding your own or through a broker?
I know it really depends on the company, but are employee benefits necessarily cheaper than if you have health and dental independently? Do people prefer one over the other and why? I am a new grad and have no clue about benefits, etc. I have a great job right now that I love but it is a nonprofit and they cannot afford benefits. I am currently under my parents' insurance but in a few months I will no longer be covered because of my age. Help? Thanks!
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On an employer's group policy, you're much more likely to have maternity coverage, and pre-existing conditions are not excluded. They have to take you, no matter how unhealthy you are, and charge you only based on your age. On a private policy, they don't have to take you, they're allowed to exclude anything you have wrong with you, and they're allowed to "uprate" you if you've got health issues.
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On an employer's group policy, you're much more likely to have maternity coverage, and pre-existing conditions are not excluded. They have to take you, no matter how unhealthy you are, and charge you only based on your age. On a private policy, they don't have to take you, they're allowed to exclude anything you have wrong with you, and they're allowed to "uprate" you if you've got health issues.
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My teeth are killing me, help?
One of my back teeth has been hurting, and now i have 3 of them hurting. My problem is i dont have dental insurance, and i haven't be able to find an affordable plan for me, and i am only 20 so i have no credit, What should i do? the pain is almost unbearable! any suggestions on dental plans or pain management
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Medical Discount Plan ideal for those who cannot afford or qualify for traditional health insurance. The companies offer discounted health services for a quite low monthly fee. Benefits include a range of discounts for doctors, hospitals, dental, vision, prescriptions, vitamins, as well as other health services. YOu are not the only person who have ever met this kind of problem,I met this type of problem before.I have good experience here www.HealthInsuranceFree.info/dental.html to solve the problem.
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Medical Discount Plan ideal for those who cannot afford or qualify for traditional health insurance. The companies offer discounted health services for a quite low monthly fee. Benefits include a range of discounts for doctors, hospitals, dental, vision, prescriptions, vitamins, as well as other health services. YOu are not the only person who have ever met this kind of problem,I met this type of problem before.I have good experience here www.HealthInsuranceFree.info/dental.html to solve the problem.
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How much is the cost of a health insurance policy for a family of 5 in USA?
lets assume Joe (38years old) and Sally (38years old) public both work and make a total of $70,000 a year between them. They have 3 children, Todd, 15, Gwen 13, and Gina 10. They have to buy their own health insurance since their employers do not provide it. They want a plan that does the following: max $25 dollar deductible for any visit to a doctor....and then 80% of all cost after that up to an individual maximum cost per person per year of $2000 at which point the insurance will pick up 100% up to $300,000 per person per year. Dental and vision coverage is a flat 80% of all procedures after $25 deductible. If this family goes out in the market place to buy this insurance, how much will it cost them per month.
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FREE if you want the Government to pay for it (and let someone else foot the bill), but in California -SERIOUSLY - it's about $25,000 a year and up. I think SELF INSURED CO-OPS are the way to go.
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FREE if you want the Government to pay for it (and let someone else foot the bill), but in California -SERIOUSLY - it's about $25,000 a year and up. I think SELF INSURED CO-OPS are the way to go.
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After 1 year at your job what type of benefits do you have at work?
examples, health, vision, dental, life insurance 401 K paid vacation, sick days
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Health insurance, paid vacation, and 401K. That's all though?
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Health insurance, paid vacation, and 401K. That's all though?
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What is the best and most affordable pet insurance plan?
I have two cats who are about one year old. I want to get a plan that covers dental cleaning expenses and thats it for now anyway. I figure I can wait another couple years to get them a full health insurance plan considering they are indoor cats and not even one yet....Is there such a dental plan...I was told dental cleanings run about $150 a pop per cat per year. So If I can spend less than that a year on both of them for a health or dental plan that covers cleanings that would be great. Please help. Also, If you know of any basic health plans that cover vets visits that would be helpfully (VPI, Petfirst are too pricey for me any others?)
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Holy cow, you get your cat's teeth cleaned every year? I'm on the "when they look like they need it" plan which runs about every 5 years. Anyway, cheapest insurance is your own. If you know you're going to spend $300 on dental cleanings a year, put $30 in your savings account every month.
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Holy cow, you get your cat's teeth cleaned every year? I'm on the "when they look like they need it" plan which runs about every 5 years. Anyway, cheapest insurance is your own. If you know you're going to spend $300 on dental cleanings a year, put $30 in your savings account every month.
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Any good dentists horror stories?
The dentist I went to as a kid was a drunk and smoker, so he stinked and was kind of wobbly. He accidentally drilled my tongue once. Worse, when he was going to drill a front tooth, he gave me a novacaine shot and hit a vein instead of muscle, so my nose and one eye were totally numb, but my tooth wasn't when he started drilling. I called him the Hawaiian Mengele. As an adult, I don't have dental insurance, so I used to go to the dental school to get work done. One of my teeth needed to be pulled, and these little girl students were trying to pry it up but couldn't. the instructor came by, looked in my mouth, and said, "We're gonna have to break the tooth." He grabbed something that looked like a pair of pliers and said, "This is going to hurt--A LOT." And it did. I could feel the tooth break into pieces and yelled, "F#CK! That hurt!" loud enough for everyone in the building to hear. Got any stories like that?
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Had the three wisdom teeth that came in, impacted in the bone, pulled. It actually wasn't pulled at all, but chiseled and pried out. The first one took like 15 minutes. The last one took an hour and 15 minutes. When I left the dentist, I was amazed by the relative lack of pain. When I got home and my wife went to get the pain meds she had to go to a few different pharmacies. By the time she got home the novocain had long since worn off. I felt like pounding my head on the concrete it was so painful, and I mean that literally. I remember a moment distinctly, having my head over the toilet with my mouth open with bloody drool stringing out from my mouth. I felt like I wanted to be shot.
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Had the three wisdom teeth that came in, impacted in the bone, pulled. It actually wasn't pulled at all, but chiseled and pried out. The first one took like 15 minutes. The last one took an hour and 15 minutes. When I left the dentist, I was amazed by the relative lack of pain. When I got home and my wife went to get the pain meds she had to go to a few different pharmacies. By the time she got home the novocain had long since worn off. I felt like pounding my head on the concrete it was so painful, and I mean that literally. I remember a moment distinctly, having my head over the toilet with my mouth open with bloody drool stringing out from my mouth. I felt like I wanted to be shot.
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