Currently I am using my wife's health insurance plan (which is very great) and not using anything from my company which states "We currently offer medical (including prescriptions) and dental coverage. The Company will contribute up to $300 per month to the cost of such coverage." What would you guys recommend in this situation? My wife's insurance plan is worth a lot more than $300 a month and it makes no sense that I leave it. What should I do in this situation? For instance, my current insurance deductible is $500. Could I add some kind of secondary insurance thru my company which would take that deductible down to $0? Thanks
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If you are happy with your wife's plan and assuming her company does not pay any of the premium for you and you don't have a problem with that then stay with your current option. If you sign up for your group plan your group plan will be primary. However the cost burden of using your wife's plan as secondary typically isn't cost justified. The cost of using your wife's plan as secondary is probably higher than the out of pocket expenses associated with your own group plan. Depending on your state and carrier in the event of your wife loses her job you may be able to sign up for your group plan without having to wait for the open enrollment period. You need to check with your hr people to on this issue.
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Friday, May 20, 2011
NEED AFFORDABLE DENTAL WORK BAD?
I am 32 years old, and I am in serious need of a dentist and an orthodontist. I have no money, and the insurance I have only covers the basics. The amount of work I need done will cost me in the neighborhood of $16,000. Any suggestions?
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get some of the work done at dental school clinics. They cant do all the work, like orthdontics, but they can get you ready and cut some of the cost.
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get some of the work done at dental school clinics. They cant do all the work, like orthdontics, but they can get you ready and cut some of the cost.
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Need some information on invisalign? (Orthodontics)?
I am wondering if anyone has experience with Invisalign, or a similar "adult" orthodontic option. Without dental insurance, how much is it? How much are monthly payments? Any advice?
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http://www.invisalign.com/Pages/Home.asp… http://en.wikipedia.org/wiki/Invisalign
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http://www.invisalign.com/Pages/Home.asp… http://en.wikipedia.org/wiki/Invisalign
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how much does braces cost on ur teeth
im 16 and i need braces but mom and dad dont have alot of money or dental insurance could u tell me how much they cost
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it depends on how bad your teeth are. like if its badly crooked or badly spaced out around $3,000. if it's not that bad around $1,000 price range is $1,000-$4,000
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it depends on how bad your teeth are. like if its badly crooked or badly spaced out around $3,000. if it's not that bad around $1,000 price range is $1,000-$4,000
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Should President Bush have to pay the 21,500 new troops sent to Iraq out of his own pocket?
After all, he is the decision maker on Iraq. He can pay for their medical and dental and life insurance expenses also. It is his decision. What, does he expect us to pay for his decisions?
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No, but he should personally go there and lead them at the head of combat to attack the insurgents and inspire them to win the war.
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No, but he should personally go there and lead them at the head of combat to attack the insurgents and inspire them to win the war.
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pacificare(hmo) vs PPO dental? which is better? ?
i just had my teeth fixed with my current insurance hmo. i paid a lot of money for my crowns. i just to know if i switch to ppo, am i gonna pay the same price or lower price? also, can you guys give me additional information about PPO(dental). and why it's better than hmo? (price)
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I'm not really familiar with HMO plans, all the offices that I've worked in (I've been a sub dental assistant, so there have been many offices) only accept PPO plans. PPO plans vary depending on the type of plan. For example, the insurance company, say Cigna, can have 5 different PPO plans. The things you really have to look for are the deductible amount, and the percentages they pay on preventive, basic and major. Usually, they pay between 80%-100% on preventive, basic is between 60%-90%, and major is usually 50%-60%. Some plans pay 100% for preventive, which means, IF the doctor is contracted with that insurance company, you will not have to pay anything out (that's for cleanings and such). If a doctor is NOT contracted with the insurance company, they will pay 100% of the usual and customary fee, and you will be responsible for the difference between that fee and the doctors fee. Typically PPO plans are through employers, although there are some individual PPO plans out there, they are just more difficult to find. People usually say a PPO is better than an HMO because you get to pick your doctors, rather than being assigned to a doctor. An example of the fee...Crowns are usually a lot of money, say $800. With a PPO insurance, you will usually have to cover your deductible (it's usually between $25 and $100 - one time fee per year) so we'll say $50 is your deductible, and your insurance covers 50% of basic work. You will be charged $400, plus the $50 deductible, unfortunately that doesn't factor into the work. Your total will be $450 for the crown. I hope that makes sense, I know what I'm trying to say :)
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I'm not really familiar with HMO plans, all the offices that I've worked in (I've been a sub dental assistant, so there have been many offices) only accept PPO plans. PPO plans vary depending on the type of plan. For example, the insurance company, say Cigna, can have 5 different PPO plans. The things you really have to look for are the deductible amount, and the percentages they pay on preventive, basic and major. Usually, they pay between 80%-100% on preventive, basic is between 60%-90%, and major is usually 50%-60%. Some plans pay 100% for preventive, which means, IF the doctor is contracted with that insurance company, you will not have to pay anything out (that's for cleanings and such). If a doctor is NOT contracted with the insurance company, they will pay 100% of the usual and customary fee, and you will be responsible for the difference between that fee and the doctors fee. Typically PPO plans are through employers, although there are some individual PPO plans out there, they are just more difficult to find. People usually say a PPO is better than an HMO because you get to pick your doctors, rather than being assigned to a doctor. An example of the fee...Crowns are usually a lot of money, say $800. With a PPO insurance, you will usually have to cover your deductible (it's usually between $25 and $100 - one time fee per year) so we'll say $50 is your deductible, and your insurance covers 50% of basic work. You will be charged $400, plus the $50 deductible, unfortunately that doesn't factor into the work. Your total will be $450 for the crown. I hope that makes sense, I know what I'm trying to say :)
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How will this affect the public?
The California's Budget could leave thousands of children on a waiting list for health care and are trying to find ways around a $17.2 million budget shortage. More than 800,000 children rely on the low-cost health, dental, and vision coverage. The Managed Risk Insurance Board states that the waiting list could estimate up to 160,000 children in the first six months.
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If there are 800,000 children relying on low-cost budgets, that is 1,600,000 parents who can't afford health care, vision care or dental coverage. With this deficit, those families will be FORCED to pay more money....many will not be able to do that so it puts a strain on the higher wage earners of the country. The money must come from somewhere!!! Because this may put a strain on the systems, waiting periods will have to be implemented and a person who needs a knee replacement may have to wait 1 year to receive a new knee instead of the old system of 2 days. Everything will be backed up and the system will be failing people. Many unnecessary deaths will occur because of the strain on the system.
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If there are 800,000 children relying on low-cost budgets, that is 1,600,000 parents who can't afford health care, vision care or dental coverage. With this deficit, those families will be FORCED to pay more money....many will not be able to do that so it puts a strain on the higher wage earners of the country. The money must come from somewhere!!! Because this may put a strain on the systems, waiting periods will have to be implemented and a person who needs a knee replacement may have to wait 1 year to receive a new knee instead of the old system of 2 days. Everything will be backed up and the system will be failing people. Many unnecessary deaths will occur because of the strain on the system.
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