I will be starting a new job soon and also getting married soon. I wanted to get some suggestions on the many benefits that are offered at my job that I need to consider when it comes to taking care of myself and my wife. For example, health insurance, life insurance, dental insurance, 401(k), etc. Please give more things to enroll in or consider if I have left any out. Thanks
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Your new employer will go over all the available benefits with you. Health insurance is probably the most important. Employer group life insurance is fine, but if you're getting married, you should look into getting your own individual life insurance while you are still young and healthy (much cheaper!).
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Saturday, April 2, 2011
Orthogonathic surgery: How do I get my Health insurance to pay for it?
My orthodontist and dentist feel that I need to get Othorgonathic surgery to fix my underbite. They want me to to get surgery to my upper and lower jaws. To be honest I agree with them. I cant close my mouth comfortably along with the fact that I grind my teeth at night and I am already developing minor TMJ issues. However it says this in the exlusions & limitations section of my benefits information Upper and Lower jaw bone surgery except as required for the direct treatment of accute traumatic injury or cancer Orthogonathic surgery, jaw alignment and treatment for the tempromandibular joint except atreatment of obstructive sleep apnea Services for the evaluation and treatment of tempromandibular joint syndrome (TMJ) whether the services are considered to be medical or dental in nature. Has anyone else run into this problem? Were you able to successfully appeal? if so how? By the way I'm over 19. Thanks I would like to be able to smile in pics. for a change!
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Call a very experienced oral maxillofacial surgeon. They are usually located in educational medical schools or consult a trauma hospitals....the folks that operate on gun shot wounds to the face....that is the surgeon you want doing this type of surgery....it is complicated. Call this type of surgeons private practice and ask who is in charge of billing...they usually know how different insurance cos work and how to go about getting coverage. I'd also make sure the doctor is not only a DDS (doctor of denistry), but also an MD (medical doc). Most really qualified oral maxillofacial doctors are...these guys are like artists or even more qualified than plastic surgeons.
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Call a very experienced oral maxillofacial surgeon. They are usually located in educational medical schools or consult a trauma hospitals....the folks that operate on gun shot wounds to the face....that is the surgeon you want doing this type of surgery....it is complicated. Call this type of surgeons private practice and ask who is in charge of billing...they usually know how different insurance cos work and how to go about getting coverage. I'd also make sure the doctor is not only a DDS (doctor of denistry), but also an MD (medical doc). Most really qualified oral maxillofacial doctors are...these guys are like artists or even more qualified than plastic surgeons.
Source
Friday, April 1, 2011
Can I be added to my Fiances insurance right after marriage? (details include)?
My fiance has insurance through his work from Blue Cross Blue Shield...I think both his health & dental is through BCBS. I don't have insurance and need some dental work done soon, I was wondering how soon after getting married can I be added on to his insurance?
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You can be added immediately and must do it within 30 days. In most cases it will be effective the first of the month following your wedding. Congratulations.
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You can be added immediately and must do it within 30 days. In most cases it will be effective the first of the month following your wedding. Congratulations.
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Anyone know of cheap dental or government program i can try to apply for?
i don't have any insurance and i really need to see a dentist for root canals and even a bridge, anyone know anyway i can get help? Cheap community dentists or government program i can try to apply too? i live in Orange County, California
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Be honest,It will take a while to find the ideal answer for the your question.provide a relevant resource here www.HealthInsuranceFree.info for your reference,hope it helps.
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Be honest,It will take a while to find the ideal answer for the your question.provide a relevant resource here www.HealthInsuranceFree.info for your reference,hope it helps.
Source
How much will it approximately cost if...?
How much will it approximately cost to get dental surgery to get my teeth straightened without dental insurance? I have two canine/snaggle tooths on my top set of teeth. Other than that my teeth are straight.
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You need braces. Love and Peace, Sel
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You need braces. Love and Peace, Sel
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I need free dental work can you please help?
I am 26 years old and I have medical insurance that I pay out of my own pocket, I have a job but make very little money. I have 5 broken teeth, alot of cavities and I have a partial that leaves blisters on the roof of my mouth. I need a lot of work done and I need to get a bridge.. Is there anyone or anyplace that will be able to help me in the state of Alabama... If not I will do the best I can to travel..
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Contact your local or state dental association and and see if there are any dentists who provide free or reduced cost care for low-income, disabled or senior patients. Call your local health department and ask about health centers that provide dental care for free or on a sliding scale. Your local United Way may also be aware of such a clinic. In some areas, you can reach them now by dialing 2-1-1 for "non-emergency information." Go to a dental school, if there is one near you, for reduced costs. Check http://www.toothwoman.net to see if low-cost or free dental services are available near you. Check http://bphc.hrsa.gov and choose "Find a Health Center" to see if there is a low-cost clinic near you. Check http://www.nfdh.org/DDS.html to see if your state has a "Donated Dental Services" program. D.D.S. is designed to locate dentists who will give free care to patients who are financially compromised due to medical problems. This is a process that will take a couple of months to get your information and then arrange for someone to see you. Not all states have D.D.S. programs. I personally offer free care or reduced fee care or "overlook the bill" care when I know the exact circumstances of a person's financial position. If they have had a medical hardship, for instance, I am sympathetic. You can't come in just looking for free care, though. You have to come in with the intentions of doing the best you can and then I decide exactly how I am going to handle the financial aspect. I can usually tell who is actually trying to pay and who simply wants to skip out on me. I do not usually consider smokers to be in financial need, though. If they can find a couple thousand dollars a year for cigarettes, they could find the same amount of money and fix almost any dental problem. Maybe you can find a local dentist who has the same attitude.
Source
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Contact your local or state dental association and and see if there are any dentists who provide free or reduced cost care for low-income, disabled or senior patients. Call your local health department and ask about health centers that provide dental care for free or on a sliding scale. Your local United Way may also be aware of such a clinic. In some areas, you can reach them now by dialing 2-1-1 for "non-emergency information." Go to a dental school, if there is one near you, for reduced costs. Check http://www.toothwoman.net to see if low-cost or free dental services are available near you. Check http://bphc.hrsa.gov and choose "Find a Health Center" to see if there is a low-cost clinic near you. Check http://www.nfdh.org/DDS.html to see if your state has a "Donated Dental Services" program. D.D.S. is designed to locate dentists who will give free care to patients who are financially compromised due to medical problems. This is a process that will take a couple of months to get your information and then arrange for someone to see you. Not all states have D.D.S. programs. I personally offer free care or reduced fee care or "overlook the bill" care when I know the exact circumstances of a person's financial position. If they have had a medical hardship, for instance, I am sympathetic. You can't come in just looking for free care, though. You have to come in with the intentions of doing the best you can and then I decide exactly how I am going to handle the financial aspect. I can usually tell who is actually trying to pay and who simply wants to skip out on me. I do not usually consider smokers to be in financial need, though. If they can find a couple thousand dollars a year for cigarettes, they could find the same amount of money and fix almost any dental problem. Maybe you can find a local dentist who has the same attitude.
Source
How to find affordable medical insurance (Family) in San Diego?
I am moving to San Diego on a contract that has no benefit package. I'd like to buy a good benefit package for a family of four. I need medical, dental .... etc. with reasonable deductible. Any help in pointing me to the right direction is appreciated. Thanks,
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You need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. Some may suggest going on line to get a quote but you probably already know that there is much more to health insurance than price. Ultimately, you are the one who determines the affordability of your health insurance plan by deciding how much you will participate in sharing the cost of your health care with your insurance company. If you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, maternity coverage as well as low deductibles and low copays your monthly premiums will be significant. On the other hand if your family is young and healthy and you rarely use the health care system you could consider a plan that covers only the major health catastrophe which will result in a relatively low monthly premium. You then can use the monthly premium savings to pay for the occasional doctor visit and still come out ahead. Check with the agent that writes your other insurance he/she can provide you a health insurance proposal that takes into account your budget and health situation. Be wary of "health discount plans" they do not provide insurance coverage. Use the Internet to educate yourself but use an agent to purchase the coverage.
Source
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You need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. Some may suggest going on line to get a quote but you probably already know that there is much more to health insurance than price. Ultimately, you are the one who determines the affordability of your health insurance plan by deciding how much you will participate in sharing the cost of your health care with your insurance company. If you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, maternity coverage as well as low deductibles and low copays your monthly premiums will be significant. On the other hand if your family is young and healthy and you rarely use the health care system you could consider a plan that covers only the major health catastrophe which will result in a relatively low monthly premium. You then can use the monthly premium savings to pay for the occasional doctor visit and still come out ahead. Check with the agent that writes your other insurance he/she can provide you a health insurance proposal that takes into account your budget and health situation. Be wary of "health discount plans" they do not provide insurance coverage. Use the Internet to educate yourself but use an agent to purchase the coverage.
Source
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