I'm trying to find a good dental insurance that is very affordable for a middle/lower class citizen like myself. Can somebody recommend anything for somebody in my case?
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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 and actually they do a decent job. 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. Visit a local independent agent for help finding a plan. 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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Monday, January 10, 2011
Am I able to get Medical/Dental insurance?
I'm 18, in college, and living on my own. I REALLY need to get my teeth fixed. .can I get insurance for that stuff at my age? Especially, if I go to the doctor.. I dont want to be in debt to them if something happens.
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You can definitely buy your own insurance, but you will pay each month for it. My past 3 employers have given me delta dental. check into that. FYI: Dental is cheap, but doesn't pay out too much as far as total benefits received per year. Generally $1500 is the max you can recieve, plus one annual cleaning will be fully covered Health insurance will be like 500 a month itself, but very important. if you are a full time student, you can be added to your parents health insurance plan which will cost far less.. All you need to do is prove you are full time. This works till you turn 22 i believe.
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You can definitely buy your own insurance, but you will pay each month for it. My past 3 employers have given me delta dental. check into that. FYI: Dental is cheap, but doesn't pay out too much as far as total benefits received per year. Generally $1500 is the max you can recieve, plus one annual cleaning will be fully covered Health insurance will be like 500 a month itself, but very important. if you are a full time student, you can be added to your parents health insurance plan which will cost far less.. All you need to do is prove you are full time. This works till you turn 22 i believe.
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Dental Insurance?
Is there a dental insurance that provides you to pay your bill monthly instead of paying it on your visit to the dentist?.. I'm a working student but doesnt make much money and I need a program where you can pay later or monthly.. Please help..
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Yeah, eHealthPlus lets you pay monthly
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Yeah, eHealthPlus lets you pay monthly
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travel insurance? dental?
i just got my insurance and it covers dental for about $2000, i have two broken teeth now, but if i say that i broke them in germany (the place that im going to - we have family friends who are dentists that can write a note down for the pain) will i be able to get a root canal... or what does this insurance do for me..... i am guessing many of you will be asking it depends to the company, well if that is your answer then just tell me the average of the companys insurance cover thankss
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Choosing the best is about matching the cover to your needs. http://insurance-junction.com/
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Choosing the best is about matching the cover to your needs. http://insurance-junction.com/
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how to confirm dental insurance?
this is for the front dental office. by hmo, ppo and medical? thanks
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Usually the 800 number is called that's found on the patient's insurance card, and then insurance info is faxed to the office, showing what's covered and what the benefits are... That's how we do it.
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Usually the 800 number is called that's found on the patient's insurance card, and then insurance info is faxed to the office, showing what's covered and what the benefits are... That's how we do it.
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How can someone get help with dental work that is needed "killer tooth pain" with no insurance, no money forit?
and nowhere near a dental school and not even close to a state that has one
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well go to a dental clinic the doctor i work for volunteers at a dental clinic every friday for people that cant afford dental treatment. your tooth is probably abcessed so the only way the pain will go away is by getting some antibiotics the pain should go away within 3 days but you will need to get the tooth taken out before the medicine leaves your system. you should really call a dentist should only cost about $80 for an exam and xray.
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well go to a dental clinic the doctor i work for volunteers at a dental clinic every friday for people that cant afford dental treatment. your tooth is probably abcessed so the only way the pain will go away is by getting some antibiotics the pain should go away within 3 days but you will need to get the tooth taken out before the medicine leaves your system. you should really call a dentist should only cost about $80 for an exam and xray.
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Roughly how much does dental bonding cost per tooth?
I know it depends on the amount of work needed to be done, but say its not a lot of work and you already have good teeth and are just getting bonding to fix stains or change the shape of them like I want to do for my four front top teeth... then in that case how much would it be? Also, I dont have dental insurance and plan on paying outta pocket... can I do that?
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try re-posting this question in another section...you might get more answers
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try re-posting this question in another section...you might get more answers
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