i turned 18 2 years ago since then i am without dental care, i need to take care of my teeth until i can get an insurance back up again. and meanwhile what should i do
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I completely understand your situation. When I was in college, I maxed out my insurance and needed some more dental work done. I researched around and found this great plan: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago now and they have saved me thousands of dollars since. From root canals, crowns, fillings, xrays...etc. All services are included in this very affordable plan. I use it when my insurance does not cover/met my deductible. 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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Friday, December 17, 2010
Individual Dental Insurance--Who provides it in Missouri?
PrimeStar(ind.)/GemStar(grp.) are a provider we've worked with in the past. Are there any other companies that provide benefits in the Missouri/Saint Louis area?
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If you call a health insurance broker in your area they will know who provides the best dental plan. In Virginia Anthem Blue Cross has the best dental plan that can be purchased separately. You should be aware 9 out of 10 people who call me for dental insurance are calling because they need dental work done. Unfortunately that's not the way it works. Most dental insurance will only cover cleanings for the first 6 months, basic work after 12 months major work after 18 months. If you need work now your best bet is a discount plan and you can find one here. http://www.dentalplans.com/ Before you sign up you should use their search option to find a dentist that takes the plan and price out the work you need done.
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If you call a health insurance broker in your area they will know who provides the best dental plan. In Virginia Anthem Blue Cross has the best dental plan that can be purchased separately. You should be aware 9 out of 10 people who call me for dental insurance are calling because they need dental work done. Unfortunately that's not the way it works. Most dental insurance will only cover cleanings for the first 6 months, basic work after 12 months major work after 18 months. If you need work now your best bet is a discount plan and you can find one here. http://www.dentalplans.com/ Before you sign up you should use their search option to find a dentist that takes the plan and price out the work you need done.
Source
Are you without Dental Insurance?
If you don't have dental or medical insurance this can help you save on your health care expenses without paying high priced premiums. The programs can help you save 25%-80% on your healthcare expenses. For more information visit www.SaveonMedicalandDental.com.
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what the hell!!!!
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what the hell!!!!
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I'm 19 years old, no dental insurance and bad cavity no clue what to do.?
Hi, I just turned 19 four months ago and have never had a job, but plan on getting one this summer to help pay for college books etc. That being said, I have two cavities on the upper part on each side of my jaw. One of them hurts alot when I try to go to sleep at night. Now I can only eat on one side of my mouth, but I don't want the cavity that doesn't hurt to get worse. I haven't been to the dentist in about 10 years and don't have dental insurance any more. Since I don't have a job I don't think I could get insurance. Even if I just got a job, i'd propably have to wait for insurance. I would like to get my tooth fixed as soon as possible so it doesn't get worse. I still live with my father and rarely ask him for any money because i'm 19 and would feel embarrased too, but am willing to ask for some money for my teeth. I would like to save as much money as possible to get the one painful tooth fixed, and pay my father back as soon as i get a job. Should I get a dental plan? What are my other options to save on money when going to the dentest. Also I would like to know some good tooth pain medicine to help me sleep at at night, and does Dent's toothache gum (that old time red gum you fill a cavity with) work? Thank you for taking time to read this. I know it's a lot, but is greatly appreciated. I really don't know what to do.
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Oh you poor sweet thing! I certainly pitty you. I'm 30 and I had a cavity last winter that hurt worse than giving birth. no kidding. First, lets address the pain. Use anbesol or orajel liquid toothache relief. It's in the dental care aisle. I went through 3 bottles of this once. The pain was horrible. I shudder thinking about it. Get a whole bunch of Q-tips for application ease. Then take 2 Aleve before you go to bed. This should be considered a temporary fix. Second, call your local department of jobs and family services or the United Way. They may have a "211" program set up in your area. (211 is the number to dial when in a social crisis). They (the United Way) will be able to link you up with local clinics or dentist who provide services to people without access to insurance at a discounted rate. Some offer 50% discounts. Third, Daddy love you hun. I'm sure he's had a toothache in his day. If he's anything like me, he never wants to see his child suffer the pain of a toothache. Tell him what's going on. I'm sure he'll help. I hope you feel better. Good luck!
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Oh you poor sweet thing! I certainly pitty you. I'm 30 and I had a cavity last winter that hurt worse than giving birth. no kidding. First, lets address the pain. Use anbesol or orajel liquid toothache relief. It's in the dental care aisle. I went through 3 bottles of this once. The pain was horrible. I shudder thinking about it. Get a whole bunch of Q-tips for application ease. Then take 2 Aleve before you go to bed. This should be considered a temporary fix. Second, call your local department of jobs and family services or the United Way. They may have a "211" program set up in your area. (211 is the number to dial when in a social crisis). They (the United Way) will be able to link you up with local clinics or dentist who provide services to people without access to insurance at a discounted rate. Some offer 50% discounts. Third, Daddy love you hun. I'm sure he's had a toothache in his day. If he's anything like me, he never wants to see his child suffer the pain of a toothache. Tell him what's going on. I'm sure he'll help. I hope you feel better. Good luck!
Source
Discount dental insurance?
Hello, I am looking into purchasing discount dental insurance for 20 a month for me and my husband. Thing is we need ALOT done. He needs 3 root canals, deep cleaning and a few cavities, i need 6 cavities and a deep cleaning. We only have about 100 a week left over after bills and need to figure something out? Does anyone have any expierence with this? I went on the site and found dentists in my area and how much things cost if you go to that dentist w/ this plan, and things are pretty cheap, but how do i know thats real, and how do i ask for a "exam" and an estimate? is that possible to both go in and get the free exam and xrays for new patients and then ask for an estimate w/ this insurance and let them get back to me? i really have no clue how to go about this. We really need this stuff done.
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First, relax! Most dental problems are not emergencies. So you can calmly look at your options and decide what is best for you. Read on... Most employers provide some kind of dental cover for their employees. Dental Insurance, dental reimbursement plans, group plans etc. are some of types of dental cover provided by employers. If you have one of these then most of your dental costs will be covered under them and you need to pay only a percentage of the costs. I assume you and your husband DO NOT have any of these types of dental cover. The cheapest option for you right now is to find a dental school near you and get registered there. The students at the dental school are always in need of patients to learn their craft. So, find out if they are willing to take you as patients. You will be worked on by student dentists and the outcome may not be great but you can expect reasonable amount of care as they will be supervised by their teachers. But if you want good quality dental care then an option you can explore is getting dental discount plans - these are not dental insurance remember - they are kind of discount clubs. The company offering the discount dental plan negotiates a deal with dentists around the country to offer their dental services at lower costs then it would normally cost. The whole thing is upfront. That is you know how much you have to pay for your dental treatment. For example: Here's a sample Actual You Pay Root Canal Treatment - Front Tooth $542 $336 Root Canal Treatment - Bicuspid $646 $403 Root Canal Treatment - Molar $829 $491 What you could do is save $100 left every week and after you have accumulated say 400 dollars at the end of month get one root canal treated. That way at the end of the year you could get most of dental treatment done. What you can also do is visit the dentists around your area and get an estimate for the overall dental treatment for both of you. You could outline your position to them and ask them to give you an overall plan so you can plan your treatment over the course of a year or two. Most dental treatments are not an emergency so you can spread out your costs over a year or two. Ask your dentist to priortize your treatment needs. That way you will be able to get the most needed treatment first. I know you can't put all your money into getting dental treatment alone. Several other emergencies will crop up claiming your savings. But don't worry things will work out with a little bit of planning and care. Try a combination of dental school and discount dental insurance to make the most of what you have. All the best!
Source
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First, relax! Most dental problems are not emergencies. So you can calmly look at your options and decide what is best for you. Read on... Most employers provide some kind of dental cover for their employees. Dental Insurance, dental reimbursement plans, group plans etc. are some of types of dental cover provided by employers. If you have one of these then most of your dental costs will be covered under them and you need to pay only a percentage of the costs. I assume you and your husband DO NOT have any of these types of dental cover. The cheapest option for you right now is to find a dental school near you and get registered there. The students at the dental school are always in need of patients to learn their craft. So, find out if they are willing to take you as patients. You will be worked on by student dentists and the outcome may not be great but you can expect reasonable amount of care as they will be supervised by their teachers. But if you want good quality dental care then an option you can explore is getting dental discount plans - these are not dental insurance remember - they are kind of discount clubs. The company offering the discount dental plan negotiates a deal with dentists around the country to offer their dental services at lower costs then it would normally cost. The whole thing is upfront. That is you know how much you have to pay for your dental treatment. For example: Here's a sample Actual You Pay Root Canal Treatment - Front Tooth $542 $336 Root Canal Treatment - Bicuspid $646 $403 Root Canal Treatment - Molar $829 $491 What you could do is save $100 left every week and after you have accumulated say 400 dollars at the end of month get one root canal treated. That way at the end of the year you could get most of dental treatment done. What you can also do is visit the dentists around your area and get an estimate for the overall dental treatment for both of you. You could outline your position to them and ask them to give you an overall plan so you can plan your treatment over the course of a year or two. Most dental treatments are not an emergency so you can spread out your costs over a year or two. Ask your dentist to priortize your treatment needs. That way you will be able to get the most needed treatment first. I know you can't put all your money into getting dental treatment alone. Several other emergencies will crop up claiming your savings. But don't worry things will work out with a little bit of planning and care. Try a combination of dental school and discount dental insurance to make the most of what you have. All the best!
Source
United Healthcare Insurance/Dental?
I just started using dental insurance with United Healthcare. I need 2 of my wisdom teeth cut out, under Frequency Limitations it says 1 per lifetime. So, does that mean they will only pay for 1 of them to be extracted during my lifetime????? I am a little confused. Also, does anyone else have this plan? Do you have to pay for all cost out of pocket and then file a claim?
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"Once per lifetime" means one numeric tooth. For example, if tooth #1 has to be extracted the insurance company will pay just once for this particular tooth. Sounds weird, I know, but that's how insurance policies work. In regards to the payments it really depends on the dental office. If dental office is a participating provider, you don't have to file any claims. The office will file the claim for you. There can be a co-payment for surgical procedure. Approximately 20%, but some offices don't ask patients to co-pay.
Source
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"Once per lifetime" means one numeric tooth. For example, if tooth #1 has to be extracted the insurance company will pay just once for this particular tooth. Sounds weird, I know, but that's how insurance policies work. In regards to the payments it really depends on the dental office. If dental office is a participating provider, you don't have to file any claims. The office will file the claim for you. There can be a co-payment for surgical procedure. Approximately 20%, but some offices don't ask patients to co-pay.
Source
If i get dental insurance ,wat does it help pay for?
is it only braces?
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I would encourage you to visit this great site: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago now and they have saved me thousands of dollars over the years on all services. This plan has been the best for me because there is no limitations on visits or procedures. From root canals, xrays, exam..etc. Insurance usually has a limit of $1500 for the year, this does not have any once so ever. They even had my very affordable plan active in 2 hours and was able to use Them the very same day. good luck and hope this helps.
Source
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I would encourage you to visit this great site: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago now and they have saved me thousands of dollars over the years on all services. This plan has been the best for me because there is no limitations on visits or procedures. From root canals, xrays, exam..etc. Insurance usually has a limit of $1500 for the year, this does not have any once so ever. They even had my very affordable plan active in 2 hours and was able to use Them the very same day. good luck and hope this helps.
Source
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