mine dont cover enough i need to change my insurance.
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Most health insurance policies do not include dental, and those that have dental as an option are usually very limited. Visit a local agent that works with all the major companies in your area. The agent can explain the dental options and find the best plan for you. You can also get stand alone dental plans that are not associated with the health insurance. The agent should be able to help there as well. Be aware that with most plans there is a waiting period for major procedures. You can also try a Fee for Service discount plans. 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. I'm an insurance agent and my personal plan is the fee for service plan because I find it much more cost effective. 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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Wednesday, December 15, 2010
taxes and insurance question can a portion of health life dental and disabillity insurance be deducted on tax?
just need to know if theres a tax benefit that allows you to deduct any of the money we spend for health insurance
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If you're paying for your insurance through a plan at work you need to check if the premiums are being paid with "pre-tax" dollars. If they are being paid with pre-tax dollars you will NOT be able to deduct them on a Schedule A. It's because you've already seen the tax benefit of paying for them with pre-tax dollars. Paying with pre-tax dollars is very common. And really, it's the better deal, so be happy. This, along with the 7.5% AGI requirement on the Schedule A, prevents many people from being able to deduct insurance premiums on their tax return.
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If you're paying for your insurance through a plan at work you need to check if the premiums are being paid with "pre-tax" dollars. If they are being paid with pre-tax dollars you will NOT be able to deduct them on a Schedule A. It's because you've already seen the tax benefit of paying for them with pre-tax dollars. Paying with pre-tax dollars is very common. And really, it's the better deal, so be happy. This, along with the 7.5% AGI requirement on the Schedule A, prevents many people from being able to deduct insurance premiums on their tax return.
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Dental Insurance Coverage?
I have a wisdom tooth that it causing severe pain, and it needs to come out. Unfortunately, my dental insurance doesn't kick until the beginning of next month. Will insurance companies partially cover anything at all before the coverage starts or typically will I have to wait? Thanks in advance!
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Ask your dentist if they can wait to bill it. OR go to a dental school where they will work on it for reduced cost. OR offer to trade your dentist for some service such as office cleaning. OR get out a pair of pliers and....nevermind.
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Ask your dentist if they can wait to bill it. OR go to a dental school where they will work on it for reduced cost. OR offer to trade your dentist for some service such as office cleaning. OR get out a pair of pliers and....nevermind.
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Dental insurance companies?
I want to fix my teeth but I'm on a fixed income.my question is if there is such thing as a dental insurance that would benefit me, for example like paying a copay for dentist visits and where I only have to pay a deductible for major stuff like braces or molar removal.and if so which insurance company would you recommend?
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With most dental insurance plan you don't even have a co-pay for a basic checkup and cleaning. However, the major stuff will have a deductible which averages $100, a waiting period which averages 12 months, and co-insurance which averages 50%. There is also a annual maximum. Which companies are better will depend upon where you live because most companies do not operate in all states. Contact a local agent that works with several companies. They can tell you what is available and can explain how the plans work. You could also check a dental school where you can get good service for a reasonable cost. You can find the nearest one here: http://www.yourhealthplanadvisor.com/Den…
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With most dental insurance plan you don't even have a co-pay for a basic checkup and cleaning. However, the major stuff will have a deductible which averages $100, a waiting period which averages 12 months, and co-insurance which averages 50%. There is also a annual maximum. Which companies are better will depend upon where you live because most companies do not operate in all states. Contact a local agent that works with several companies. They can tell you what is available and can explain how the plans work. You could also check a dental school where you can get good service for a reasonable cost. You can find the nearest one here: http://www.yourhealthplanadvisor.com/Den…
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Best dental insurance for braces?
Which dental insurances can you recommend for an adult seeking braces?
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I paid only $2200 for mine, they originally quoted me $4500 but because of this great plan I have, I got a great deal. I would strongly 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 xrays, cleanings, crowns...etc. All services are included in this very affordable plan. Though it may vary where you live, but the savings are great. 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 paid only $2200 for mine, they originally quoted me $4500 but because of this great plan I have, I got a great deal. I would strongly 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 xrays, cleanings, crowns...etc. All services are included in this very affordable plan. Though it may vary where you live, but the savings are great. 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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My job doesn't provide Dental Insurance but I need it, help please.?
I need to go to the dentist but am probably going to have to pay out of my own pocket. Is there a way I can pay for my own insuance and not have to empty my bank account. Can I sign up with Delta Dental or something like that and pay monthly??
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There are individual plans available, however you are better off saving your money and paying as you go. Generally these health plans have waiting periods (12 months) for certain procedures. When you add up the monthly cost and compare your annual premium versus what it costs for a couple of cleanings and x-rays it generally costs you more with insurance. Keep in mind the insurance is designed to make them money, and the premium includes sales commission for the broker, administrative costs, and general overhead for the insurance company. If you have a plan that is partially or fully funded by an employer than it's a great deal. It generally doesn't make sense to pay for it yourself. Contact a dentist and discuss what they charge and compare it with other dentists to make sure you get the best value for your money.
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There are individual plans available, however you are better off saving your money and paying as you go. Generally these health plans have waiting periods (12 months) for certain procedures. When you add up the monthly cost and compare your annual premium versus what it costs for a couple of cleanings and x-rays it generally costs you more with insurance. Keep in mind the insurance is designed to make them money, and the premium includes sales commission for the broker, administrative costs, and general overhead for the insurance company. If you have a plan that is partially or fully funded by an employer than it's a great deal. It generally doesn't make sense to pay for it yourself. Contact a dentist and discuss what they charge and compare it with other dentists to make sure you get the best value for your money.
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we had badger care and dental insurance, im 18, moved out and not going to college?
does this mean i am not covered under my parents insurance any more
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Generally speaking, once you turn 18 if you are not going to school, you are no longer covered by your parents' plan. I'm not familiar with badger care, but I would think it works the same way. If you need help with your dental expenses, you might want to look into a discount benefit plan. They are very affordable and can help you save a lot of money on any dental care you may need.
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Generally speaking, once you turn 18 if you are not going to school, you are no longer covered by your parents' plan. I'm not familiar with badger care, but I would think it works the same way. If you need help with your dental expenses, you might want to look into a discount benefit plan. They are very affordable and can help you save a lot of money on any dental care you may need.
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