I am a student supporting myself in New York. I am very limited financially and I need to get dental work done (mostly cosmetic. I never had braces in high school, but I should have). I don't have any insurance. Is there cheap dental insurance available? or some way of getting big discounts?
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I would strongly encourage you to visit this great website : www.healthsavings.ourperfectcard.com I signed up online over 5 years ago when I was in college and they have saved me thousands of dollars since on all dental services. From bridges, root canals, fillings, Xrays, exams, cleanings, ...etc. They even had my extremely affordable benefits active in 2 hours and was able to use it the very same day. Good luck and Hope this helps
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Friday, January 14, 2011
Is this considered preventative dental treatment?
I've worn away some gum at the base of several teeth from brushing too hard; they're kind of deep so my dentist wants to fill them. He said I could have problems from the blood vessels constricting. So is this considered a preventative service? I'm asking b/c I don't have dental insurance but if I get it, preventative services don't have a waiting period. Thanks.
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Nope. Fillings are a basic service. Only x-rays, exams, cleanings, sealants are considered preventative. These are services meant to prevent fillings from needing to be done.
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Nope. Fillings are a basic service. Only x-rays, exams, cleanings, sealants are considered preventative. These are services meant to prevent fillings from needing to be done.
Source
What are names of major Dental Plans?
I am looking to purchase dental insurance for my family because the one I have now sucks. I am trying to find names of major dental insurance companies to find the best plan for my family. Thanks in advance for your help.
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1. Do not purchase a discount plan because that is exactly what you will get. Not only that, but you'll discover that the doctors that are approved on the discount plans don't give you the service or quality work and care that you want. 2. When looking for benefits that will be covered, make sure that your cleanings and exams are fully paid for. Most all major plans will pay for your entire checkup, but pay attention to what you're allowed with frequency of x-rays. The norm is one set of bitewings per year, and one panoramic/full mouth series every 3-5 years. Besides that, the amount that is usually allowed on crowns and major restorative work is 50%, where your fillings might be covered up to 80% on most plans. 3. I don't know 100% on this part, but it may be difficult to find coverage through a major dental carrier without having your health insurance with them, too. I know where I work, we don't offer dental insurance as a stand-alone product unless you purchase health insurance as well. 4. Some of the best major companies are MetLife, BCBS, Cigna, Aetna, and Humana. Good luck finding a company that meets your needs.
Source
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1. Do not purchase a discount plan because that is exactly what you will get. Not only that, but you'll discover that the doctors that are approved on the discount plans don't give you the service or quality work and care that you want. 2. When looking for benefits that will be covered, make sure that your cleanings and exams are fully paid for. Most all major plans will pay for your entire checkup, but pay attention to what you're allowed with frequency of x-rays. The norm is one set of bitewings per year, and one panoramic/full mouth series every 3-5 years. Besides that, the amount that is usually allowed on crowns and major restorative work is 50%, where your fillings might be covered up to 80% on most plans. 3. I don't know 100% on this part, but it may be difficult to find coverage through a major dental carrier without having your health insurance with them, too. I know where I work, we don't offer dental insurance as a stand-alone product unless you purchase health insurance as well. 4. Some of the best major companies are MetLife, BCBS, Cigna, Aetna, and Humana. Good luck finding a company that meets your needs.
Source
What does Aetna Dental Insurance Cover?
I live in NJ. I've been looking at ameriplan and other dental insurances or plans. My ortho suggested aetna but i need braces and my wisdom teeth removed. Does anyone know if they cover these to procedures? And if anyone knows a number i can reach Aetna at to ask these questions please tell me that too. Thanx :)
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health-quotes.isgreat.org - I switched to this health insurance from them, cause it gives much cheaper rates for m?.
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health-quotes.isgreat.org - I switched to this health insurance from them, cause it gives much cheaper rates for m?.
Source
Help with dental insurance?
I need to have a tooth pulled and I dont have insurance. What's the best way to pay for this?
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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 when I was in college and they have saved me thousands of dollars on all services over the years.. From extractions, root canals, xrays, fillings, exams..etc. Even my braces had very good coverage. They even had my affordable plan active in 2 hours and was able to use them the very same day. Hope this helps
Source
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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 when I was in college and they have saved me thousands of dollars on all services over the years.. From extractions, root canals, xrays, fillings, exams..etc. Even my braces had very good coverage. They even had my affordable plan active in 2 hours and was able to use them the very same day. Hope this helps
Source
My question involves dental insurance coverage and pre-authorization.?
For example. Say I have coverage through my employer. I go to a dentist for a root canal and ask whether or not my insurance is accepted. I am then told that it is accepted. The work is performed and later I receive a bill for services. I contact the dentist who says there was a problem with your insurance. So I guess my question is, what obligation does the provider have to verify coverage? Is there any recourse after one has relied on a representation that a cetain procedure was covered and it is later discovered that it was not?
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Unfortunately it is always the responsibility of the patient to be aware of their dental coverage. It should be outlined in the patient's handbook. The provider only has contracting discounts that the are obligated to take. But if a service is not covered there is not obligation to the provider. Even when a service is pre authorized it states that it is only an estimate and is never a guaranty of coverage. Remember there is a difference between "accepting" and insurance plan and coverage verification. Individual services are usually covered at a percent that is set by the employer. A patient is still liable for a difference in the insurance's usual and customary fee and the provider's fee, plus any deductible remaining, in addition to that percent set by the employer. It is possible for a patient to be liable between 30 - 50% of the actual cost of a root canal with an accepted insurance. I manage an endodontic practice, here I always tell them that we accept most insurances though we are only in network and contracted with a few. Even though we accept most insurances this only mean we will accept any payment they make. But say the insurance doesn't respond, We bill the patient. We also state the we only file claims to insurances as a courtesy but again we are not obligated to. I hope this info helps.
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Unfortunately it is always the responsibility of the patient to be aware of their dental coverage. It should be outlined in the patient's handbook. The provider only has contracting discounts that the are obligated to take. But if a service is not covered there is not obligation to the provider. Even when a service is pre authorized it states that it is only an estimate and is never a guaranty of coverage. Remember there is a difference between "accepting" and insurance plan and coverage verification. Individual services are usually covered at a percent that is set by the employer. A patient is still liable for a difference in the insurance's usual and customary fee and the provider's fee, plus any deductible remaining, in addition to that percent set by the employer. It is possible for a patient to be liable between 30 - 50% of the actual cost of a root canal with an accepted insurance. I manage an endodontic practice, here I always tell them that we accept most insurances though we are only in network and contracted with a few. Even though we accept most insurances this only mean we will accept any payment they make. But say the insurance doesn't respond, We bill the patient. We also state the we only file claims to insurances as a courtesy but again we are not obligated to. I hope this info helps.
Source
How much do Veneers cost, (with out insurance)?
Veneers are teeth that are surgically implanted, and this is what I want instead of getting dentures, and I was wondering how much they cost, and I do not qualify for dental insurance and do not have any other kind of insurance that would cover this either. Thanks for all answers!
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You can easily check your minimal rates in internet, for example here - health-quotes.talk4fun.net
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You can easily check your minimal rates in internet, for example here - health-quotes.talk4fun.net
Source
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