What type of insurance? What insurance provider? My teeth are in pretty good shape, my wisdom teeth are gone and i don't need braces. I want a policy that covers me for the basics like checkups / cleaning / cavities. I would like it to be able to see the dentist near me and have 80% or better covered by insurance. Where should i go? Thanks in advance.
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You have five options with dental. 1. Go without insurance. If you have good teeth and just want the basics you probably don't need any plan. A yearly cleaning and exam and even an occasional filling will cost you less without insurance. 2. 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. You can find one here: http://www.yourhealthplanadvisor.com/Den… 3. 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 root canal in my area is $919. With insurance you pay $460 after paying 18 months of premium (around $800 or $900). Advantage - you can use any dentist with most plans. 4. 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 - average cost for a root canal in my area is $919. With discount plans you pay around $827. 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. 5. 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 - average cost for a root canal in my area is $919. With fee for service plans you pay as little as $404. 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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Friday, November 19, 2010
i need to get health and dental insurance and have no clue where to start. ?
can someone explain to me what a deductible is?
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Start calling insurance companies and ask for a quote. M-I-C (Medical Insurance Consultants) offer locum insurance cover, dental insurance and medical insurance. They are a dental insurance agency. Give them ago. A deductible is the amount you ,pay out of pocket before the benefits kick in. I found them on the net. The link is below.
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Start calling insurance companies and ask for a quote. M-I-C (Medical Insurance Consultants) offer locum insurance cover, dental insurance and medical insurance. They are a dental insurance agency. Give them ago. A deductible is the amount you ,pay out of pocket before the benefits kick in. I found them on the net. The link is below.
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Why do employers give their employees health and dental insurance?
Is this because the law requires that they do so or is it more of a competition factor as in other jobs of the same type/caliber offer it as a "perk" to choose one job offer over another.
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It began in World War II when wage controls stop companies from raising salaries to keep the best people. Instead they offered other paid-for benefits, like health care.
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It began in World War II when wage controls stop companies from raising salaries to keep the best people. Instead they offered other paid-for benefits, like health care.
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Would it be cheaper for me to purchase dental insurance?
I don't have health coverage, but I have a bunch of cavities... I am only 22, and would like to keep my teeth for a long time. I talked to our dentist and he said it would be a bout 150 dollars per cavity, but I only 600 dollars a month, and I have fouride deficiency. Any advice?
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Your best bet is probably going to be to sign up for a discount plan like Careington- it isn't the same as insurance, but you do get discounts. Actual dental insurance plans usually have a really low maximum they will pay for the year, AND you would have a waiting period. Or, if you live anywhere near a dental school, you can check with them to see if they have a clinic for their students. Often that will be a lot cheaper, and the work should be supervised by a licensed dentist..
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Your best bet is probably going to be to sign up for a discount plan like Careington- it isn't the same as insurance, but you do get discounts. Actual dental insurance plans usually have a really low maximum they will pay for the year, AND you would have a waiting period. Or, if you live anywhere near a dental school, you can check with them to see if they have a clinic for their students. Often that will be a lot cheaper, and the work should be supervised by a licensed dentist..
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How much does it cost to get all 4 wisdom teeth extracted? I dont have dental insurance?
I was given a price of 1400 for all 4. Is this a good deal?
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You can easily check your minimal health care rates in internet, for example here - health-quotes.talk4fun.net
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You can easily check your minimal health care rates in internet, for example here - health-quotes.talk4fun.net
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does premier access dental insurance cover composite fillings for front teeth?
i have premier access dental through work. i work for bel air(raleys) and they are apart of UFCW union. i was wondering if anyone ever got their teeth fixed (front teeth) and have composite fillings to fill in the gaps. I was wondering if the insurance covered this, if not what were the cost of each unit(teeth) covered??? please respond asap :]
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You can easily check your minimal health care rates in internet, for example here - health-quotes.talk4fun.net
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You can easily check your minimal health care rates in internet, for example here - health-quotes.talk4fun.net
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Without Dental Insurance What is the Price of a Porcelain Filling?
I have a few painful cavities. Help!
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First of all, cavities are not filled with porcelain. They are filled with resin, a tooth colored filling, or amalgam, the silver fillings. Porcelain is reserved for crowns, bridges, partials, implants, veneers, and dentures. Resin fillings are more expensive than amalgam, but not that much more expensive. Each dentist can assign a price for what he thinks a resin filling is worth. Usually, the bigger the filling, the more costly. But they also have to stay within certain price guidelines, because if a dentist charges too much, the dentist will lose lots of business. But to answer your question, it really depends on the size of the cavity, and what the dentist will charge. You might be able to get a discount. I did when I went to a dentist and I had no insurance. But again, that is up to the dentist. My dentist gave me a discount because he would rather get paid most of his money than none at all. I hope this helps.
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First of all, cavities are not filled with porcelain. They are filled with resin, a tooth colored filling, or amalgam, the silver fillings. Porcelain is reserved for crowns, bridges, partials, implants, veneers, and dentures. Resin fillings are more expensive than amalgam, but not that much more expensive. Each dentist can assign a price for what he thinks a resin filling is worth. Usually, the bigger the filling, the more costly. But they also have to stay within certain price guidelines, because if a dentist charges too much, the dentist will lose lots of business. But to answer your question, it really depends on the size of the cavity, and what the dentist will charge. You might be able to get a discount. I did when I went to a dentist and I had no insurance. But again, that is up to the dentist. My dentist gave me a discount because he would rather get paid most of his money than none at all. I hope this helps.
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