I am seeking an insurance plan or discount program that handles restorative work and implants unless someone knows of something new for teeth that have been knocked out or broken off . Looking at the entire upper mouth front and 2 molar on one side. Money is an issue but so it this persons emotional welfare. What type of program is best for this extensive work? Does anyone know about costa rica dentists? I hear they are cheaper and they can do the work at just a few sittings>>>
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Insurance, no matter what company it is from, is never as good as you think it is. You usually have waiting periods, this means that there are certain dental procedures that they won't pay for until you have been on the insurance plan for 6-12 months. This doesn't help you much if the first procedure you need is one of those procedures not covered. They have all types of rules, provisions, and limitations that anyone who does not have a great deal of dental knowledge (terminology, definitions of types of dental materials, etc.) would be completely confussed by. I told one patient once how much her dental insurance would cover on a procedure and she was really upset that her out of pocket was so high. I asked her how much she paid monthly in premiums and we figured it up that she paid about $1,500 in insurance premiums. Her insurance maximum (the maximum amount that an insurance company will pay a year for a patients dental care) was only $1,000.00. She was giving her insurance company $500.00 for doing nothing. I recommended that she take what she paid monthly in premiums and put it in a savings account instead. At least that way she would have full use of all the money she put into the account and could pull out money when she needed work done. The discount plans actually are not bad though. It is certainly better to pay $200 for a filling than $300. That is how those plans work. The dentist agrees to only charge you what price the plan sets.
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Friday, December 3, 2010
Through what insurance can I find the best dental and vision coverage?
I don't have insurance at my workplace so I am in need of dental work and vision pretty soon here. I'd like to beat it to the punch before it becomes an emergency if I could. Can anyone point me to the right direction?
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I would encourage a visit to this site: www.healthsavings.ourperfectcard.com I signed up online over 5 years for all my dental and vision services and they have saved me thousands since. From exams, xrays, cleanings, contacts...etc. all services are included in this very affordable plan. They even had my benefits active in 2 hours and was able to use it the very same day. hope this helps.
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I would encourage a visit to this site: www.healthsavings.ourperfectcard.com I signed up online over 5 years for all my dental and vision services and they have saved me thousands since. From exams, xrays, cleanings, contacts...etc. all services are included in this very affordable plan. They even had my benefits active in 2 hours and was able to use it the very same day. hope this helps.
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I have some serious dental problems due to physical abuse but lack insurance. Does anyone have helpful ideas?
My two front teeth are gone, I have many rotten teeth throughout my mouth. Because of this, I rarely smile. I believe it would really help my self-image if I was able to get this issue fixed, but not having dental insurance (and it's even harder getting individual insurance) is holding me back. Someone please give me some helpful hints or ideas!
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if you are underage, you may be able to get help from NHS
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if you are underage, you may be able to get help from NHS
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What should I do if I don't have dental insurance?
I need a crown, I think. The dentist handed me an Ameriplan brochure and said other patients have used it but after looking online at reviews, I'm not so sure. Anyone been in this spot?
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If it is a "health credit card" (or loan), it works like any other credit card. Since you have no collateral, they will most likely charge a high interest rate. If you have other options, use those options first. The loan is fine as long as you understand the fees involved and the consequences for not paying on time. If you can pay it off within a month or two with the interest, it should be fine. If you are not very good with money or paying bills on time then I wouldn't even consider it. You may want to see if you can find a dental school around you that may provide services for a lower fee or see if there are alternative treatments for the short term until you can save money for the crown.
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If it is a "health credit card" (or loan), it works like any other credit card. Since you have no collateral, they will most likely charge a high interest rate. If you have other options, use those options first. The loan is fine as long as you understand the fees involved and the consequences for not paying on time. If you can pay it off within a month or two with the interest, it should be fine. If you are not very good with money or paying bills on time then I wouldn't even consider it. You may want to see if you can find a dental school around you that may provide services for a lower fee or see if there are alternative treatments for the short term until you can save money for the crown.
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best dental insurance for working students?
I'm broke and don't get help from family. Anyone know what I should do about dental insurance? Cheapest, easiest, student friendly insurance? I'm new to san Diego and don't know where to start
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I would strongly encourage a visit to www.healthsavings.ourperfectcard.com I signed up online over 6 years ago online when I was in college and they have saved me thousands of dollars over the years on all services. From root canals, xrays, exams, extractions, crowns...etc. Even my braces had great coverage. They even had my very affordable benefits active in 2 hours and was able to use them the very same day. Good luck and hope this helps you out
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I would strongly encourage a visit to www.healthsavings.ourperfectcard.com I signed up online over 6 years ago online when I was in college and they have saved me thousands of dollars over the years on all services. From root canals, xrays, exams, extractions, crowns...etc. Even my braces had great coverage. They even had my very affordable benefits active in 2 hours and was able to use them the very same day. Good luck and hope this helps you out
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Why would my dentist office submit the same claim multiple times to my dental insurance company?
What happened was, my dentist said I had to have a $2,000 treatment plan. My maximum insurance benefit (from the company) is supposed to be $1,600. So I paid about $430 in cash up front to cover my end of the cost, and they said everything was fine, I took care of it. Now the dentist is sending me a bill for $300. Researching online, it looks like (under claim status) that my dentist submitted the same work claims (like two claims for the SAME teeth) more than once, and they have tried to collect $4900 from the insurance, and it also looks like my insurance has paid out over $2000 when I was only supposed to get $1600 in benefits? Any ideas please? Customer service is closed and I hate not knowing answers like this over the weekend... I need peace of mind of knowing what the problem could be. Should I pay this $300 bill when the dentist said that I only pay $430 and I did?
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You should (try to) forget about it until Monday. Then you must contact your insurer and tell them you suspect fraud. I worked in billing for many years and some healthcare providers are dishonest; others just have incompetent office staff. If no fraud is involved, you may actually owe the extra $300. Sometimes medical insurers don't cover some costs (I swear I think they flip a coin to see what they'll pay!); for example, I paid an extra $300 once because I required extra anesthesia during a wisdom tooth extraction. One physician billed me, and my insurer, for 2 office visits that occured on a Saturday (their office is closed Saturdays). So relax! Let your insurer investigate. That's what they're for!
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You should (try to) forget about it until Monday. Then you must contact your insurer and tell them you suspect fraud. I worked in billing for many years and some healthcare providers are dishonest; others just have incompetent office staff. If no fraud is involved, you may actually owe the extra $300. Sometimes medical insurers don't cover some costs (I swear I think they flip a coin to see what they'll pay!); for example, I paid an extra $300 once because I required extra anesthesia during a wisdom tooth extraction. One physician billed me, and my insurer, for 2 office visits that occured on a Saturday (their office is closed Saturdays). So relax! Let your insurer investigate. That's what they're for!
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where can i get affordable(cheap) dental insurance coverage.?
I work part time and am a student paying my own way. My teeth need some work and I cant afford it. So i need affordable insurance. Any help is appreciated.
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I would encourage you to visit this great website: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago now and they have saved me thousands on all services. From Root canals, xrays, cleanings etc. Even my braces were covered. They even had my extremely very affordable plan active in 2 hours and was able to use the plan the very same day. hope this helps
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I would encourage you to visit this great website: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago now and they have saved me thousands on all services. From Root canals, xrays, cleanings etc. Even my braces were covered. They even had my extremely very affordable plan active in 2 hours and was able to use the plan the very same day. hope this helps
Source
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