I'm 22 years old and I'm looking for dental insurance. I've called a few places that I could find that offer dental insurance and either I do not qualify because of my age or dental insurance isn't available for my state. I'm in the State of NY. I called AARP--- they only deal with senior citizens. I called Delta Dental and they don't serve NY. I called MVPHealthCare.com, I forgot their reason but I think it was the same as Excellus reason (they don't offer it individually, I must go through an employer). I can't go through an employer cause I'm self-employed. I turned to EHealthCare.com but I have a feeling they are a scam. They claim to be a broker for several comapnies. When I run a quick quote on their site, it comes up with "Bay Dental" as the insurer, but they HAVE NO INFORMATION about bay dental to give me. I wanted to research the insurer first but I couldn't cause they didn't give me any info about them. ehealthinsurance.com gave me dentemax.com and claim they are something to do with bay dental, then they told me bay dental is underwritten by a comapny called "Standard Security Life" and i can't find any company by that name. The only one I found was Standard Security Life of NY but they are a completely different company. There is a company called bay dental but it's in california and they are a dentist office. So, i'm completely lost. I'm eligible for bay dental pan thruogh ehealthinsurance.com but i'm scared to sign up because i don't know if bay dental plan is a true company or if ehealthinsurance.com is a complete scam. The weird thing is this. Ehealthinsurance.com said that I must pay them in full with a credit card for their bay dental plan or they can deduct it each month but i have to give them a bank account. They won't charge my credit card monthly for the plan. Instead they want my bank account # to charge it monthly. They will only use my credit card if i want to pay it in full. DO YOU KNOW anyone who offers dental insurance for the state of NY? I"m not looking for a dental plan where I'm limited to the company's dentist office. I have my own dentist I go to and i want some type of insurance to go to my dentist of choice.
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Private dental insurance (as opposed to employer dental insurance) is extremely expensive and usually does not make any sense to buy. But, there are affordable dental discount plans. I am self-employed and I have saved thousands in dollars in dental costs over the years by using a discount dental plan. The plan that I selected is the GE Dental Plan, but I don't know if it is available in your state. There are many good plans to choose from. These plans have a low yearly premium, and offer major discounts at participating dentists. See http://www.lowpriceddentalplans.com to see which discount plans are available for your zip code.
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Tuesday, December 21, 2010
Can you afford medical/dental insurance?? If no why do people on welfare get it for free?
We are all paying for them
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You pay pennies to support medical benefits for poor people and denying them coverage is not the answer. But your point is a good one--everyone should have basic health care coverage. I assume you will be supporting Obama's efforts to pass universal health care.
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You pay pennies to support medical benefits for poor people and denying them coverage is not the answer. But your point is a good one--everyone should have basic health care coverage. I assume you will be supporting Obama's efforts to pass universal health care.
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Dental insurance supplement/gap providers?
My husband is active duty military and we received dental as part of our insurance coverage. While the regular visits for cleanins are completely covered, everything else is paid on a split cost (at my husband's rank, our share averages out to about 50%), plus we are responsible for the difference in what the insurance says is the allowed fee and the actual fee. We also have a yearly cap of $1500 per family member, and this include things like braces, extractions, etc. While we are fortunate to have any coverage, we are struggling to pay our share of the fees (example..out of $5000 in braces for oldest, military only paid $1500 as that is the yearly cap). Does anyone know of any supplementary dental plans?? I'd appreciate any suggestions (I only work PT and am a student).
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Unfourtuantely, this is what most dental ins. providers cover. $1500 yearly max is actually pretty good. Plus a lot of insurance don't cover orthodontic work, so it's really not that bad. I find that most people have this problem, thinking their insurance actually covers more. If you have any questions please feel free to contact me. I know tons about dental ins.
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Unfourtuantely, this is what most dental ins. providers cover. $1500 yearly max is actually pretty good. Plus a lot of insurance don't cover orthodontic work, so it's really not that bad. I find that most people have this problem, thinking their insurance actually covers more. If you have any questions please feel free to contact me. I know tons about dental ins.
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Whats the first step of getting dental insurance??!!!! help!?
Who do I call? I am 19 y/o , minnesota, college student, employer doesnt offer insurance, my tooth is chipped in the back. how much does it cost? can I get dental insurance immediatly? -post your question, i will be glad to answer it- =D
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Call a dental insurance company and they will be glad to help you. Aetna's discount plan comes to mind. Generally speaking though, it is often cheaper to just pay out of pocket for the dentist than to subscribe to a plan (insurance companies aren't dumb...overall, they will not pay out more than they collect from you...).
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Call a dental insurance company and they will be glad to help you. Aetna's discount plan comes to mind. Generally speaking though, it is often cheaper to just pay out of pocket for the dentist than to subscribe to a plan (insurance companies aren't dumb...overall, they will not pay out more than they collect from you...).
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How much for a new dental retainer if you don't have any insurance?
My dental retainer was broken. I came from oversea so I don't have any insurance. How much will it cost me? Could you give me an idea?? Thank you in advance ...
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$100-250
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$100-250
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Parents Dental Insurance?
Am I still covered by my parents dental insurance once I turn 18?
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healthquotes.awardspace.info - my family have this health insurance. It is affordable and has good coverage for dental issues.
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healthquotes.awardspace.info - my family have this health insurance. It is affordable and has good coverage for dental issues.
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Has anyone ever tried this dental insurance: united dental, or know anything about them?
Here is a link: www.uniteddentalonline.com , I'm looking for good, cheap dental insurance, but I don't want a rippoff. Any feedback is appreciated, thanks
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They are a dental discount card, not insurance, and although I don't know this one in particular and they might be OK many are scams and the companies start up, get your money and go out of business regularly. You have four options with dental. 1. 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. 2. 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 $829. With insurance you pay $414 after paying 18 months of premium (around $800 or $900). Advantage - you can use any dentist with most plans. 3. 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 $829. With discount plans you pay around $746. 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. 4. 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 $829. 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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They are a dental discount card, not insurance, and although I don't know this one in particular and they might be OK many are scams and the companies start up, get your money and go out of business regularly. You have four options with dental. 1. 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. 2. 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 $829. With insurance you pay $414 after paying 18 months of premium (around $800 or $900). Advantage - you can use any dentist with most plans. 3. 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 $829. With discount plans you pay around $746. 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. 4. 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 $829. 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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