I have no insurance and x-rays add up to $100 to a regular cleaning.
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Because he can't tell if there's anything wrong, rotting, or in danger of being so. I also believe it is a liability for them if they do a cleaning on your mouth and your teeth fall out or something starts to hurt really bad, because they went around doing stuff and knocked something loose by cleaning it.
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Monday, March 14, 2011
Dental cleaning? scam or not?
This is my recent experience to a dentist. I got a quote for deep cleaning + antibiotics, which cost $1050 WITH dental insurance. Of course it's different from the cost from the insurance provider that we found they put some extra drug in that's not covered. That said, if I want to not do the antibiotics (which I thought was optional as I have no symptoms/pain), they don't want to do the deep cleaning and want me to see a gum specialist instead. Another alternative is to have dental cleaning every 3 months (that's what I was told) to keep it clean. My quick Google research on "Evidence based dentistry" didn't support any of these. Now, does it sounds like a scam to you?
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Deep cleanings and antibiotics do cost more. It sounds like your teeth are really bad. If you dont like how much you are paying there then visit a different dental office. They all have different fees. Also if you need your teeth cleaned every 3 months I suggest (if you have time say you dont work 1 day a week or work half days) go to a dental college or dental hygiene college. Cleanings at the dental hygiene college I went to cost people from the public 25 dollars (even for deep cleanings) because we were students, not being paid. Also it took 4 hours or several 4 hour appointments to complete the cleaning on 1 patient because we were students learning. Check out www.ada.org for dental colleges or dental hygiene programs and call them and visit their clinics IF you have extra time (4 hours in a day at least) to go in.
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Deep cleanings and antibiotics do cost more. It sounds like your teeth are really bad. If you dont like how much you are paying there then visit a different dental office. They all have different fees. Also if you need your teeth cleaned every 3 months I suggest (if you have time say you dont work 1 day a week or work half days) go to a dental college or dental hygiene college. Cleanings at the dental hygiene college I went to cost people from the public 25 dollars (even for deep cleanings) because we were students, not being paid. Also it took 4 hours or several 4 hour appointments to complete the cleaning on 1 patient because we were students learning. Check out www.ada.org for dental colleges or dental hygiene programs and call them and visit their clinics IF you have extra time (4 hours in a day at least) to go in.
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insurance??
okay, so i'm getting my wisdom teeth out in may...but i got a check up and was told since they have to cut my gum and part of my jaw, my dental insurance won't cover it...but medical insurance should...however, there's this $500 i have to pay first...can i send that $500 bill to my medical insurance to see how much they'll pay first? or is it a deductible?? and what's the difference?
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It sounds like a annual deductible and no, you don't send it directly to your insurance. It is paid right to the medical provider. On a $500 deductible you have to pay that much first in the year before the insurance pays for anything (usually excepting maintenance visits). This does not count copays. So, if you go to the doctor and are sick and need a lab or xray done or something like that then you would have already met part or all of your deductible. If you haven't met anything all year towards it then you would pay the $500 in one shot on your wisdom teeth. A lot of people think that just because somethings in your mouth it automatically is covered under dental insurance and this is not correct. Almost always (unless its a simple extraction) wisdom teeth are under your major medical plan because you see a oral surgeon, not a regular dentist. You should call your medical insurance and ask "if anything has been met of your 2008 deductible". If yes, then it will cost less for you to have your teeth done.
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It sounds like a annual deductible and no, you don't send it directly to your insurance. It is paid right to the medical provider. On a $500 deductible you have to pay that much first in the year before the insurance pays for anything (usually excepting maintenance visits). This does not count copays. So, if you go to the doctor and are sick and need a lab or xray done or something like that then you would have already met part or all of your deductible. If you haven't met anything all year towards it then you would pay the $500 in one shot on your wisdom teeth. A lot of people think that just because somethings in your mouth it automatically is covered under dental insurance and this is not correct. Almost always (unless its a simple extraction) wisdom teeth are under your major medical plan because you see a oral surgeon, not a regular dentist. You should call your medical insurance and ask "if anything has been met of your 2008 deductible". If yes, then it will cost less for you to have your teeth done.
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Health Insurance Question?
I got my wisdom teeth taken out last summer, and here is what happened. I turned 23 a week before the operation, and my dental insurance policy ended on my birthday. My dentist's office called the insurance company, and they also did not realize I was not covered, so they told the dentist to go ahead and do the operation because I was covered. Now, 6 months later, they notified me that I was not covered, which is true, but they put me under the pretense that I was covered before the operation. Is the insurance company responsible for telling me I was covered when I wasn't?
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Nope. You should have been aware that your coverage would be ending as of your 23rd birthday. It was your responsibility to make sure that you scheduled the surgery before your coverage ended. There can be some lag time in updating a system to show a termination, which is why there is always a disclaimer that any quote is subject to the benefits being in effect for the date of services. If your policy was canceled, you have no grounds for an appeal or dispute. Eligibility issues are pretty cut and dried - either your policy was active on the date the services were performed, or it wasn't. Unfortunately, you'll be responsible for the entire bill. Try working out a payment plan with the dentist.
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Nope. You should have been aware that your coverage would be ending as of your 23rd birthday. It was your responsibility to make sure that you scheduled the surgery before your coverage ended. There can be some lag time in updating a system to show a termination, which is why there is always a disclaimer that any quote is subject to the benefits being in effect for the date of services. If your policy was canceled, you have no grounds for an appeal or dispute. Eligibility issues are pretty cut and dried - either your policy was active on the date the services were performed, or it wasn't. Unfortunately, you'll be responsible for the entire bill. Try working out a payment plan with the dentist.
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I would like to learn insurance?
I am currenlty working for an insurance company that specializes in insurance for commercial accounts. I'm the receptionist so I really don't do much. I would like to take on more responsibility but here you do not get respect without a liscense. My boss will pay for my classes but I don't know the first thing about insurance. From what I hear we deal with general liability, fiduciary liability, d&o, life, commercial auto, and workers comp. Also we have a dental department. Before I go into my classes I would like to know the basics is there a place online that can help me, or a book I can pick up somewhere? Thanks for the help guys.
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Get your license right away. Go take the classes that your boss is going to pay for. They are pretty easy. Being that your company handles both P&C and Life, tell them that you want to get both licenses. This will make you more valuable. I think I did my studying through Dearborn, but there are several good companies to use.
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Get your license right away. Go take the classes that your boss is going to pay for. They are pretty easy. Being that your company handles both P&C and Life, tell them that you want to get both licenses. This will make you more valuable. I think I did my studying through Dearborn, but there are several good companies to use.
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I need dental treatment?
Hi everyone. Ive just started going to the dentist i had to sign up to private as couldnt get a place on nhs. I had 2 fillings the other day and it cost me £131.00 (ouch) im need some more work done, do you thing dental insurance would help and if so which is the best dental insurance i should sign up with? Thanks
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A dentist won't sign you onto any insurance policy until your dental health is up to scratch. That is, you can't get accepted if you have work which needs doing. You get the work done and then sign up...
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A dentist won't sign you onto any insurance policy until your dental health is up to scratch. That is, you can't get accepted if you have work which needs doing. You get the work done and then sign up...
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I don't have insurance and I will soon need dental work and pretty sure my GB surgery.?
I don't have money for a regular doc's visit let alone to have lab work etc done. I don't even have any money to save up for anything like this. I prefer not to use the ER. I have never been to an ER but I know it's way expensive. I know nothing about medical costs or how people go about getting medical things taken care of or even how the ER stuff really works. I haven't been to a doc for like 10 years. Are there any pointers anyone could give me? Any insight? Maybe a possible solution even if it's not the most desirable.
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health-quotes.isgreat.org - my family have this health insurance. It is affordable and has good coverage for dental issues.
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health-quotes.isgreat.org - my family have this health insurance. It is affordable and has good coverage for dental issues.
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