Ok, so I work for a good company, but I kind feel like im getting jipped here. I have been here for almost a year and a half. After about 6 months my boss told me I was eligible for medical insurance through the company. I was offered the choice of a pay raise or keeping the same rate per hour with the amount I would have received via raise to be used to pay my part of the insurance. So..the raise would have been $2 an hour. The extra entire $2 an hour is supposedly being used for my insurance ( I have since been told my total compensation package is "X" amount..which is my base pay plus 2). My question is; I work full time (40 hours a week) which means I am paying $320 for medical/dental insurance for myself. That seems very high. I checked BCBS website and the rate quote for individual with a $500 deductable is only $103 a month. So why am I paying $320? I understand that being part of an employee group affords me dental as well (wheras individuals do not qualify) but that much?
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Group policies are completely different from individual policies so the premium can't be compared. First off, they are usually more comprehensive so they give you coverage for more procedures, such as maternity which can easily add $200 to the monthly premium. Depending upon the size of the group and the amount the insurance company has paid out in the past also affect the premium. You are possibly subsidizing the premium for older people in the group or people with costly major medical problems such as diabetes or cancer.
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Friday, March 18, 2011
Why isn't dental coverage considered a right by the caring democrats in Congress?
Since they want to mandate that I purchase my rights why doesn't that include dental insurance?
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Absolutely, if they are going to force rationed health care down our throats and fine & jail us if we don't pay- I want it all! There has been plenty of Research to link bad teeth resulting in medical disease processes such as sepsis, diabetes and Chronic hypertension. Yet, we all know this is not even about health care as much as it is about owning a very lucrative part of the American Economy- they want to own it all, we are just measly pawns in their game to be discarded.
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Absolutely, if they are going to force rationed health care down our throats and fine & jail us if we don't pay- I want it all! There has been plenty of Research to link bad teeth resulting in medical disease processes such as sepsis, diabetes and Chronic hypertension. Yet, we all know this is not even about health care as much as it is about owning a very lucrative part of the American Economy- they want to own it all, we are just measly pawns in their game to be discarded.
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how can a person get extensive dental work done if they are on medicaid, medicare and limited income?
Can they get private dental insurance and not lose those benefits?
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Married lady I would have loved to answer your question, but I do not have enough information, therefore I will speak in general terms. I need to know what state you live in, and what treatment you will require, and your age. over or under 21? I will speak generally. Medicare part-B has a blanket exclusion for dental services, unless they are being done as a result of an existing condition, or accident. i.e., if you needed jaw reconstruction after an accident, or reconstruction after cancer in the mouth. Most states offer dental coverage for all medicaid recipients. You would have to find a dentist who accepts Medicaid, and get an estimate for the services. Another option you may consider is the local county hospital often they have indigent healthcare programs which will pay the residual costs after Medicare and Medicaid. Another source is a dental school most dental schools have clinic days where they offer assistance to the public. You also have to option of purchasing private dental insurance or buying a Medicare Supplemental policy that offers dental care. If you buy a Dental policy, it will not affect your medicare benefits. However, it will affect your medicaid dental benefits, as both companies would work together and coordinate care and payment for your services. Good luck.
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Married lady I would have loved to answer your question, but I do not have enough information, therefore I will speak in general terms. I need to know what state you live in, and what treatment you will require, and your age. over or under 21? I will speak generally. Medicare part-B has a blanket exclusion for dental services, unless they are being done as a result of an existing condition, or accident. i.e., if you needed jaw reconstruction after an accident, or reconstruction after cancer in the mouth. Most states offer dental coverage for all medicaid recipients. You would have to find a dentist who accepts Medicaid, and get an estimate for the services. Another option you may consider is the local county hospital often they have indigent healthcare programs which will pay the residual costs after Medicare and Medicaid. Another source is a dental school most dental schools have clinic days where they offer assistance to the public. You also have to option of purchasing private dental insurance or buying a Medicare Supplemental policy that offers dental care. If you buy a Dental policy, it will not affect your medicare benefits. However, it will affect your medicaid dental benefits, as both companies would work together and coordinate care and payment for your services. Good luck.
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root canal needs to be redone in my molar tooth, but I have no dental insurance and just lost my job?
I did a root canal on one of my molars 2 years ago, everything was fine, but recently I have started to experience a pain when I drink something hot. My general dentists advised me to see a specialist, but I don't have money to do it. I started drinking antibiotics and pain and sensitivity went away for 3 months. Now the tooth hurts more, I can feel hot and cold water, and sometimes it hurts in the evenings too. I wonder if there is some good dental plan I can buy, that can help me to save money on health insurance in California, or maybe there is some dental insurance I can buy. I am from Ukraine, so I am thinking maybe i should buy a ticket home and fix my tooth there, however I am registered for classes in the university and I don't want to put my life on hold because of this trip. To cut a long story short, I just really need a good advice on what should I do. I want to save a tooth, and I am not even thinking about pulling it out so don't advice me that option please.
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If you are under 21, you can apply for Medi-Cal and Denti-Cal. http://www.dhcs.ca.gov/services/medi-cal… "Drinking antibiotics" is bad for your body, and if you keep doing it, your body will build up an immunity to the antibiotics.
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If you are under 21, you can apply for Medi-Cal and Denti-Cal. http://www.dhcs.ca.gov/services/medi-cal… "Drinking antibiotics" is bad for your body, and if you keep doing it, your body will build up an immunity to the antibiotics.
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How long does it usually take for my insurance company to reimburse the dentist?
I had a root canal done last week that cost $916. I have dental insurance but the dentist wants me to pay now and then he said he'd sign the insurance check over to me once he receives it. I was just wondering how long it takes the insurance company to issue a check.
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It usually takes about 2-4 weeks after the claim is filed for the dental office to receive insurance payment. However, if the insurance requests additional information (ie. x-rays, narrative) from the dentist, it may take longer depending on the response time. You should receive a copy of the insurance explanation of benefits (EOB) a few days before the dentist receives their copy. You can also call your insurance to check on the status of the claim to know if its currently or already been processed. If the insurance tells you it's pending additional information from the dentist, you can call your dental office and let them know to hopefully expedite the process. Hope this helps.
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It usually takes about 2-4 weeks after the claim is filed for the dental office to receive insurance payment. However, if the insurance requests additional information (ie. x-rays, narrative) from the dentist, it may take longer depending on the response time. You should receive a copy of the insurance explanation of benefits (EOB) a few days before the dentist receives their copy. You can also call your insurance to check on the status of the claim to know if its currently or already been processed. If the insurance tells you it's pending additional information from the dentist, you can call your dental office and let them know to hopefully expedite the process. Hope this helps.
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I need to purchase medical/dental/vision insurance for myself, please help!?
I would like to spend under 100 bucks per month. I know this will get me be the bare minimum, but oh well. I am currently employed as an independent contractor.
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I have very good luck with a discount medical plan that covers chiropractic, medical, dental, vision and prescription. It is only $19.99 per month. Actually what I used to pay for insurance including co-pays and deductibles, I am better off with the discount thing. They even have a hospital advocacy program. Here is the link for it http://www.mybenefitsplus.com/cmcdowell Hope it helps! Good Luck.
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I have very good luck with a discount medical plan that covers chiropractic, medical, dental, vision and prescription. It is only $19.99 per month. Actually what I used to pay for insurance including co-pays and deductibles, I am better off with the discount thing. They even have a hospital advocacy program. Here is the link for it http://www.mybenefitsplus.com/cmcdowell Hope it helps! Good Luck.
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Is it possible to get my health/dental insurance back again once I go back to being a full time student?
I'm dropping out of two classes so I will only be a part time college student and will lose my medical/dental insurance that I had when I was a full time student. Also my parents were paying for it. Once I go back to becoming a full time student next semester, can I get it back again?
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Yes. Up to the age of 25 I believe.
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Yes. Up to the age of 25 I believe.
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