I am 26 yrs old, female and live in Texas. I need a good insurance that covers dental, vision, prescriptions and general doc visits and ER and hospital stuff. What is a good one? Thanks.
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Why not talk to a health insurance broker? A broker works with several insurers and can find the best plan, rates and coverage for you. To find a broker, log on to a website like http://www.healthinsurancewiz.com and fill out a form requesting a free quote. Your information will be sent to a broker in your area who will contact you.
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Tuesday, February 8, 2011
My brother needs major dental surgery and braces, are there any help out there?
We can't afford dental insurance and his teeth is bleeding and probably has a lot of cavities. His teeth is really crooked also but we don't have any money to afford a major fix up. Are there any assistance out there or good dental insurance that will cover everything?
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Most major urban areas have free or nearly free dental clinics serving the needy. These types of clinics will get a patient out of pain but won't do much in the way of treatment. Dental schools are a good way but again, they won't do the treatment entirely for free. Your best bet is to visit your local dentists and present your case to them. Tell them you can't afford treatment but are willing to ________________. I've done dental treatment in exchange for a number of products and services that the patient was willing to barter with; including sporting goods, cleaning services, haircuts, tailored clothing, plumbing, construction, etc. Most dentists have a big heart, they just don't want the patient to be the one who decides who gets the free dentistry.
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Most major urban areas have free or nearly free dental clinics serving the needy. These types of clinics will get a patient out of pain but won't do much in the way of treatment. Dental schools are a good way but again, they won't do the treatment entirely for free. Your best bet is to visit your local dentists and present your case to them. Tell them you can't afford treatment but are willing to ________________. I've done dental treatment in exchange for a number of products and services that the patient was willing to barter with; including sporting goods, cleaning services, haircuts, tailored clothing, plumbing, construction, etc. Most dentists have a big heart, they just don't want the patient to be the one who decides who gets the free dentistry.
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Does Medi-Cal (public assistance health/dental coverage) pay for braces if my child needs them?
I was recently laid off and I can not afford to pay for continued health/dental insurance through my former employers cobra plan but my daughter desperately needs braces. If I apply for medi-cal and am approved does this cover braces or only general dentistry? Thanks for your help!
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Can you please add what state you are in? Are you married, divorced or single? Although intrusive, these are the questions they will ask you. When will your daughter turn 18? I will assume you are single/divorced but if you are married, it will be a completely different set of rules but still possible. I am a government worker and am familiar mostly with foster child benefits which may differ a bit. You will have trouble if they find out you are entitled to Cobra benefits. Whatever you do, make sure that they know this or it could be considered fraud. I don't know your financial situation but the extended benefits Cobra offers are so terribly expensive that I suggest you reject the policy altogether if you cannot afford it based on inability to pay and opt for strait Medi-Cal/Medi-Caid or risk depleting your savings (if you even have one) in order to "spend - down" your budget. If you have been laid off, you don't need this burden anyway. Also, where is your daughters father? They will ask this too. If you are not married and depending on your circumstance, he can be liable and court ordered to pay for half the cost of the treatment depending on the severity of your daughters need. 18 is the cut off age unless they are foster children, illegal immigrants, or your daughter becomes pregnant (which I doubt you would want to happen)! - then the cut off age is 19-21 depending on those factors. My son needs braces too and I have dental insurance that I pay a hefty premium for but the co-pay is so high that it will take 2 tax refunds (two years) to save for it. The most Medi-Cal can tell you is "no" in which isn't quite the end of the world just yet... they MUST send you what is called a "Notice of Action" on the back of that notice you will be offered a chance to appeal the decision within 30 day's - do it no matter what and be prepared to provide documentation relevant to her need. If that doesn't work - I don't know how your credit is...sometimes when we struggle it isn't perfect but many places will offer payment plans with less than stellar credit. I don't think braces should be considered "cosmetic" since abnormally placed teeth can cause other dental problems including TMJ and social/ socioeconomic problems later in life - like obtaining employment. Afterall - Medi-Care pays for Viagra. In which I may be greatful for in another 20 years lol ;) Good luck to you and my sympathies go out to you for your job loss. Please keep posted. I am curious to find out what happens. Sorry so long...I would have e-mailed it but you don't accept email. I believe every child and adult should have access to dental/health treatment regardless of income or employment status. Gets me to talking/typing too much girl!
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Can you please add what state you are in? Are you married, divorced or single? Although intrusive, these are the questions they will ask you. When will your daughter turn 18? I will assume you are single/divorced but if you are married, it will be a completely different set of rules but still possible. I am a government worker and am familiar mostly with foster child benefits which may differ a bit. You will have trouble if they find out you are entitled to Cobra benefits. Whatever you do, make sure that they know this or it could be considered fraud. I don't know your financial situation but the extended benefits Cobra offers are so terribly expensive that I suggest you reject the policy altogether if you cannot afford it based on inability to pay and opt for strait Medi-Cal/Medi-Caid or risk depleting your savings (if you even have one) in order to "spend - down" your budget. If you have been laid off, you don't need this burden anyway. Also, where is your daughters father? They will ask this too. If you are not married and depending on your circumstance, he can be liable and court ordered to pay for half the cost of the treatment depending on the severity of your daughters need. 18 is the cut off age unless they are foster children, illegal immigrants, or your daughter becomes pregnant (which I doubt you would want to happen)! - then the cut off age is 19-21 depending on those factors. My son needs braces too and I have dental insurance that I pay a hefty premium for but the co-pay is so high that it will take 2 tax refunds (two years) to save for it. The most Medi-Cal can tell you is "no" in which isn't quite the end of the world just yet... they MUST send you what is called a "Notice of Action" on the back of that notice you will be offered a chance to appeal the decision within 30 day's - do it no matter what and be prepared to provide documentation relevant to her need. If that doesn't work - I don't know how your credit is...sometimes when we struggle it isn't perfect but many places will offer payment plans with less than stellar credit. I don't think braces should be considered "cosmetic" since abnormally placed teeth can cause other dental problems including TMJ and social/ socioeconomic problems later in life - like obtaining employment. Afterall - Medi-Care pays for Viagra. In which I may be greatful for in another 20 years lol ;) Good luck to you and my sympathies go out to you for your job loss. Please keep posted. I am curious to find out what happens. Sorry so long...I would have e-mailed it but you don't accept email. I believe every child and adult should have access to dental/health treatment regardless of income or employment status. Gets me to talking/typing too much girl!
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Look at my paycheck and answer my questions please: Insurance related?
FICA deducation = 240$ PRE-TAX MED INS = 134$ PRE TAX FSA = 90$ 1. what is FICA, where does the money go, and why wont i ever see it again? 2. Estimate annual premieum my health insurance charges my employer and explain why its taken out of my paycheck. 3. Why dont i purchase dental insurance?
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1. FICA is Social Security and Medicare payroll tax. You do not "get it back" but you will be eligible for those benefits in the future. 2. The full cost of the premium cannot be estimated based on the information you provide because we don't know what your cost share (%) of the premium is. 3. You tell us. Why don't you purchase dental insurance?
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1. FICA is Social Security and Medicare payroll tax. You do not "get it back" but you will be eligible for those benefits in the future. 2. The full cost of the premium cannot be estimated based on the information you provide because we don't know what your cost share (%) of the premium is. 3. You tell us. Why don't you purchase dental insurance?
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Will my insurance (Medicaid) cover the cost of a dental crown?
I was informed by my dentist that my New York State Medicaid will cover my initial root canal "procedure". She also said that the insurance claim would be submitted in two separate parts, one for the actual root canal, and other for the dental crown. The second part is not submitted until x-rays have been taken to prove the procedure has been done. I am worried beyond belief that my insurance will reject the final procedure and I will be stuck with a huge bill. Is there any way to find out if my insurance will cover the entire thing BEFORE I have the root canal done? Am I being told the whole truth or is my dentist just trying to make more money? Please help!
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CHECK WITH YOUR LOCAL MEDICAID OFFICE FOR DETAILS
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CHECK WITH YOUR LOCAL MEDICAID OFFICE FOR DETAILS
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How much does it cost for routine shots and yearly dental care for adult chihuahuas?
I am shopping for pet insurance am trying to decide whether I want routine care (which includes dental and routine shots) added onto the insurance coverage or if I should just pay out of pocket. Thus far, my dog is in good health.
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Assuming no extractions or drilling, for basic vaccinations and dental I pay about $300-$500 a year for my small dog. Of course, this doesn't include the extra $500 a year in random vet bills or heartworm meds.
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Assuming no extractions or drilling, for basic vaccinations and dental I pay about $300-$500 a year for my small dog. Of course, this doesn't include the extra $500 a year in random vet bills or heartworm meds.
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Does anyone know of where I can get cosmetic dental care at a very low price?
I would even be willing to be an example case for a dental office! I have very good insurance, just not enough to cover all of my work that needs to be done.
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You can definately check our your local universities and see what kind of dental programs they have and see if they have med students who are about to graduate work on people who don't have the money or ins. won't cover full price for regular cosmetic work. It's cheap and I believe they let you do payments. The dentists/professors are there observing so it's not like they do it themselves. One of my friends had his teeth worked on here in Dallas at Baylor, and they look really good... Check it out.
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You can definately check our your local universities and see what kind of dental programs they have and see if they have med students who are about to graduate work on people who don't have the money or ins. won't cover full price for regular cosmetic work. It's cheap and I believe they let you do payments. The dentists/professors are there observing so it's not like they do it themselves. One of my friends had his teeth worked on here in Dallas at Baylor, and they look really good... Check it out.
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