I have an abscess tooth (I think) from when my mom had me on the government health insurance, and couldn't (or would) pay for me to get a root canal about 4 years ago, and now it has come back to haunt me.I have no dental insurance, I actually just lost my job (and my insurance) and I wanted to know should I pay for a dental insurance plan and then go to the dentist, or what. I'm used to having insurance, but When I look at the plans most of them, don't offer help in paying for the visit until like 3 months. How should I go about this, I plan on going to the dentist ASAP! I have the money to pay for the entire surgery upfront, but if I could save, it'd be better. Thanks!
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I would encourage you to visit this great site: www.healthsavings.ourperfectcard.com I signed up onlne over 5 years ago now and they have saved me thousands of dollars since on all services. From root canals, crowns, xrays...etc. Even my braces. They even had my very affordable plan active in 2 hours and was able to use it the very same day. good luck and hope this helps.
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Monday, March 14, 2011
How much should I expect to pay for health insurance?
I found a plan that is about $110 per month that includes a discount dental and vision plan. The deductible is on the high end at $7,000 but I'm a 24 year old, healthy college student so the lower premium is more important than the deductible. It also includes $10 generic prescriptions and 25% payment on brand name prescriptions. Is $110 a good rate for this kind of plan?
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Yep, that's a pretty good rate. YOu might be able to ditch the dental and vision to cut it down further, but a LOW deductible plan should run you around $250 a month. A local agent might be able to meet the price, with a slightly lower deductible (like maybe $5K), but what you have there isn't bad.
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Yep, that's a pretty good rate. YOu might be able to ditch the dental and vision to cut it down further, but a LOW deductible plan should run you around $250 a month. A local agent might be able to meet the price, with a slightly lower deductible (like maybe $5K), but what you have there isn't bad.
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What dental options do I have?
I was born missing the tooth to the left of my two front and on the otherside to the right I have a deformed tooth. Over the past 6-7 years I've been getting regular bonding for my two front to correctly match the bridge I currently have in place. I recently got a crown for the deformed tooth but my dentist told me ultimately I would need a dental implant, two veneers and the crown. I only have dental insurance with my parents for two more years and would like to weigh options on what my best bet is on what to do. I found out my insurance does not cover an implant, but is there any way around this? The bridge works cosmeticly of course but has caused damaged to my surrounding teeth as well as I have a hollowed out appearence along my gum because there's no root of a tooth. So what are my best options at this point? I'm looking for a long term solution so I won't have to visit my dentist every month for upkeep. Thanks!
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I think if you are genetically missing your tooth insurance should cover. Make sure they know you were born without - not that you didnt take care of it. I would say find a dentist that knows how to get your issues covered....sorry.
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I think if you are genetically missing your tooth insurance should cover. Make sure they know you were born without - not that you didnt take care of it. I would say find a dentist that knows how to get your issues covered....sorry.
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Aetna Dental Plan: DMO vs. Secure T (PPO) which one is better?
I'm being offered Aetna dental plan by my employer during the open enrollment period. This is my first time getting the dental insurance for myself and my spouse. We both need extensive work that would cost around $3500 each. I don't know which plan is better for us and would save us money. I would really appreciate your advice. The Secure T plan has an annual deductible of $50 (individual) and $100 (family). Annual Maximum is $1,500/individual. There is no copay for office visit and it covers 100% preventive care, 80% Basic Services, and 50% major services after deductible. The Aetna DMO uses only DMO dentists. There is no calender year deductible and annual maximum. There is $5 copay. Preventive Care: No charge (copay may apply to certain procedures); Basic Services: covered after applicable copay (copay varies by procedure); and Major Services: covered after applicable copay (copay varies by procedure). I don't know what annual maximum and calender year deductible mean. If I choose to go with DMO, would I covered for basic and major services after $5 copay? I don't understand insurance plans as it is my first time applying for one. Please help!
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The annual maximum is the most the policy will pay, regardless of how much work you have done. The calendar year deductible is the amount you have to pay out of your own pocket each year, before the insurance company pays anything. In your case, you have $3500 of work ahead of you. Under the Secure T plan, you have an annual deductible of $50. That means that the first $50 of charges for the year are not covered--you pay them. After that, they pay 50 percent of "major services," which probably includes whatever it is that you are having. You pay the other 50 percent. So, to break it down a little bit, look at the first $1000: you pay $50 (that deductible) plus 1/2 of the remaining $950, or $475. The insurance pays $475. For the next $1000, you each pay 1/2, that is, $500. Third thousand, is the same--$500 each. But at this point, the insurance will have paid $450 + $500 + $500, or $1475. The maximum is $1500, so for the rest of your expenses (the last $500), they will pay only $25. After they get to that point, everything else is on you. Also, your question says they pay 50% "after deductible," so check to see if there is a *second* deductible that applies to major services, separate from the annual deductible. For the Aetna plan, there is no annual deductible. Instead, they work on a copay basis, which means you pay part of the cost for each procedure. You will have to look at their schedule to see what the copays are for the procedures you are facing. It is not as simple -- or as cheap -- as just paying $5 copay per visit. There is an additional copay per procedure. Yeah, it's complicated, but I hope this helps.
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The annual maximum is the most the policy will pay, regardless of how much work you have done. The calendar year deductible is the amount you have to pay out of your own pocket each year, before the insurance company pays anything. In your case, you have $3500 of work ahead of you. Under the Secure T plan, you have an annual deductible of $50. That means that the first $50 of charges for the year are not covered--you pay them. After that, they pay 50 percent of "major services," which probably includes whatever it is that you are having. You pay the other 50 percent. So, to break it down a little bit, look at the first $1000: you pay $50 (that deductible) plus 1/2 of the remaining $950, or $475. The insurance pays $475. For the next $1000, you each pay 1/2, that is, $500. Third thousand, is the same--$500 each. But at this point, the insurance will have paid $450 + $500 + $500, or $1475. The maximum is $1500, so for the rest of your expenses (the last $500), they will pay only $25. After they get to that point, everything else is on you. Also, your question says they pay 50% "after deductible," so check to see if there is a *second* deductible that applies to major services, separate from the annual deductible. For the Aetna plan, there is no annual deductible. Instead, they work on a copay basis, which means you pay part of the cost for each procedure. You will have to look at their schedule to see what the copays are for the procedures you are facing. It is not as simple -- or as cheap -- as just paying $5 copay per visit. There is an additional copay per procedure. Yeah, it's complicated, but I hope this helps.
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dental Help?
i am 12 and my teeth need some help i want braces bad but my dad wont pay for then he is reatried out the miltairy so should i just pay for them when i turn 16 when i get my frist and i dont have dental insurance and i also have a chipped tooth and is 16 to late to get braces help
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Well , age 16 not really a problem would have them on maybe no more than 4 years at the most ..And do not worry, guys don't mind girls with braces ..We see the image from the inside..Best Wishes!
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Well , age 16 not really a problem would have them on maybe no more than 4 years at the most ..And do not worry, guys don't mind girls with braces ..We see the image from the inside..Best Wishes!
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Dental advice about treatment plan?
I am attempting to overcome a HUGE dental phobia. I've had a consultation, and the dentist has given me a gameplan, which I agree with. I am to get a full upper denture, and partial lower. He is able to save 11 teeth on the bottom, I need 3 fillings and a good cleaning, but that's it. I have fairly good dental insurance, but this is going to be costly, and I cannot afford a lot out of pocket. I am planning to ask that we wait on the bottom partial (which will include 4 extractions). I will basically have to wait for my insurance to reset in January 2011, the rest of the work that is to be done will be covered through 2009 and 2010 benefits. And honestly, my bottom teeth do not cause me any pain or embarrasment. The top teeth are where I have most of my major issues. I realize this is not ideal, but will my dentist argue? In the end, I am the one who has to pay for all of this, so I am hoping he understand that, from my perspective, it is much better to do this when I can afford it, rather than doing nothing at all (which is what I was doing for many years!).
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Dentists are very used to dealing with this sort of issue. He won't be the least bit surprised or offended if you bring it up for discussion. I just went through a similar issue with my dentist. I could not afford to have everything done this year, and we worked out a plan for what needed to be done now, and what can wait until 2010. It was a good discussion, because his recommendations for what to do first were different from what I would have expected. Anyway, your dentist will be able to give you some guidance. Most people have no dental insurance at all and pay right out of pocket. So this kind of issue comes up all the time. Good luck!!
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Dentists are very used to dealing with this sort of issue. He won't be the least bit surprised or offended if you bring it up for discussion. I just went through a similar issue with my dentist. I could not afford to have everything done this year, and we worked out a plan for what needed to be done now, and what can wait until 2010. It was a good discussion, because his recommendations for what to do first were different from what I would have expected. Anyway, your dentist will be able to give you some guidance. Most people have no dental insurance at all and pay right out of pocket. So this kind of issue comes up all the time. Good luck!!
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I need to know if there a medical insurance that covers everything for myself and my son?
Medical, dental, hosipitalization, x-rays, perscriptions in the Georgia that can be covered throughtout the United States? In case of an emergency when we go out of town or just hanging around the town!
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on the insurance card is a phone number. most of the time you can call with coverage questions they are happy to answer... i have had different companies in different states that cover different things. my insurance also gives the option for vision, dental, prescriptions, and extra hospitalization, and so on... good luck i miss read your question. what insurance is avalible at your work?
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on the insurance card is a phone number. most of the time you can call with coverage questions they are happy to answer... i have had different companies in different states that cover different things. my insurance also gives the option for vision, dental, prescriptions, and extra hospitalization, and so on... good luck i miss read your question. what insurance is avalible at your work?
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