seriousely, all the dental plans i've seen are for like $36 a month witha $750 or 1,000 max. annual cost. and they have a $50 annual deductable. then only 80% coverage thereafter.
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If you are buying dental insurance for yourself, then no, the insurance isn't worth it. You pay way more into the plan that you'll ever get out of it. You might as well put aside $36 a month then self pay when you go to the dentist for cleaning your teeth. If you can get insurance through an employer, then it is worth it, the coverage is better
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Saturday, June 4, 2011
What does it mean when your insurance lists "dental vendor" as part of your benefits?
This is kind of an emergency-I need to hurry up and see a dentist, today, but I do not know if dentistry is covered with my plan. I tried calling, but the recording said they were closed for the holiday. Online it says in the "other benefits" section, that "dental vendor" is included. Does this mean that it will cover my check up at the dentist's office? Please help!
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If it is a medical plan, most do not cover dental unless you were involved in an accident (ie. your teeth got knocked out or broken). You need to read you policy, maybe got to their online web page and seek out the "definitions" section to see what is covered. ps. your not going to get to see a dentist on the holiday without going to an emergency room.. thought dentists are not staffed in hospitals. You need to call you regular dentist (they should have an "incase of emergencies" part to their recording... if it is pain... I would suggest going to the ER and see if a doc will get you a script until tuesday.
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If it is a medical plan, most do not cover dental unless you were involved in an accident (ie. your teeth got knocked out or broken). You need to read you policy, maybe got to their online web page and seek out the "definitions" section to see what is covered. ps. your not going to get to see a dentist on the holiday without going to an emergency room.. thought dentists are not staffed in hospitals. You need to call you regular dentist (they should have an "incase of emergencies" part to their recording... if it is pain... I would suggest going to the ER and see if a doc will get you a script until tuesday.
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has anyone ever used Ameriplan dental, health, and vision insurance before?is it legit?
they supposedly give you fat discounts on vision,dental, and health, and even life insurance.even though they are not an insurance(they send you a card looks like a debit card in the mail and you have coverage the very next day) just a company that works with doctors and other companies that are willing to give you discounted prices.does anyone know of any other insurance that is very low-cost?websites?thanks!
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You should read the Federal Trade Commission warning on my site about discount companies. If you end up in a hospital you'll still be responsible for the majority of the bill which could run many thousands of dollars. Buy health insurance. A high deductible plan is cheaper than most discount plans and covers more of the risk. Discount plans for dental are fine because nobody has lost a home having to pay for a root canal (in other words, most dental issues cost less than $1,000...a heart attack can run in the hundreds of thousands). For vision...go to WalMart. $85 gets you a full exam and contact fitting. Oh, and most importantly, you should keep in mind that insurance usually ALREADY gives you these discounts and in some cases the discounts are greater than many discount plans.
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You should read the Federal Trade Commission warning on my site about discount companies. If you end up in a hospital you'll still be responsible for the majority of the bill which could run many thousands of dollars. Buy health insurance. A high deductible plan is cheaper than most discount plans and covers more of the risk. Discount plans for dental are fine because nobody has lost a home having to pay for a root canal (in other words, most dental issues cost less than $1,000...a heart attack can run in the hundreds of thousands). For vision...go to WalMart. $85 gets you a full exam and contact fitting. Oh, and most importantly, you should keep in mind that insurance usually ALREADY gives you these discounts and in some cases the discounts are greater than many discount plans.
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I need dental insurance with no waiting periods.?
I need to go to the dentist and would like to find temporary insurance with no waiting periods. Do anyone know of any plans like this?
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I would encourage you to visit this great site: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago and they have saved me thousands on all services. From Xrays, exams, fillings, crowns..etc. Even my braces. They even had my very affordable plan active in 2 hours and was able to use them the very same day. Good luck and hope this helps.
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I would encourage you to visit this great site: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago and they have saved me thousands on all services. From Xrays, exams, fillings, crowns..etc. Even my braces. They even had my very affordable plan active in 2 hours and was able to use them the very same day. Good luck and hope this helps.
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how do you get dental insurance?
how do you get insurance for western dental? i heard that if you get insurance for western dental the braces are really cheap!
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You apply. http://www.westerndental.com/plans.html
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You apply. http://www.westerndental.com/plans.html
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im looking for a dental insurance not discount plan, that...?
has no limit on yearly cap on services, low monthly premium, and very minimum to pay on the dentist visits? Any such dental insurance out there?
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Sorry, but what you are looking for doesn't exist. You have five options with dental. 1. Go without insurance. If you have good teeth and just want the basics you probably don't need any plan. A yearly cleaning and exam and even an occasional filling will cost you less without insurance. However, it doesn't sound by your question that this is an option. 2. Visit a local dental school. You can get many procedures done for a reduced price if you're willing to let them practice on you. Ask around about the school you might be considering, many people report good results and many people will not ever go back to them again. Expect a 10% to 30% discount off of the average cost. 3. Insurance - Depending upon the policy: cost $30-$60 per month. You pay a $50 deductible first, they have an annual maximum that they'll pay per year of $750 - $1500, they have a waiting period up to 18 months for major work and then you're paying 50% of the charges. Example - average cost for a root canal in my area is $829. With insurance you pay $414 after paying 18 months of premium (around $800 or $900). Advantage - you can use any dentist with most plans. 4. Discount plans - Cost - $5-$12 per month. No deductible, no annual maximum and no waiting periods. Also, hardly any dentists will accept the plan and when they do you MIGHT get a 10% discount, which is about the same discount you can get by paying cash. Example - average cost for a root canal in my area is $829. With discount plans you pay around $746. Be very wary of these plans because most are scams. The people that sell these plans have little or no knowledge about health & dental insurance and do not need a license to sell them. The plans are not regulated by the state so you have no recourse when you have problems. Some states are starting to ban these plans from being sold. Here is an informative link http://www.insurancejournal.com/news/wes… concerning these plans. 5. Fee for Service discount plans - Cost $7-$15 per month. No deductible, no annual maximum and no waiting periods. Many dentist will accept the plan (check providers first before signing up with any plan). When you use the plan there is a set fee that the dentist will charge you. Example - average cost for a root canal in my area is $829. With fee for service plans you pay as little as $404. I'm an insurance agent and my personal plan is the fee for service plan. I got mine here http://www.dpbrokers.com/default.aspx?lo… specifically the Aetna Dental Access plan but which one you get depends upon your area and comparing the fee schedule to find the best for what you need covered.
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Sorry, but what you are looking for doesn't exist. You have five options with dental. 1. Go without insurance. If you have good teeth and just want the basics you probably don't need any plan. A yearly cleaning and exam and even an occasional filling will cost you less without insurance. However, it doesn't sound by your question that this is an option. 2. Visit a local dental school. You can get many procedures done for a reduced price if you're willing to let them practice on you. Ask around about the school you might be considering, many people report good results and many people will not ever go back to them again. Expect a 10% to 30% discount off of the average cost. 3. Insurance - Depending upon the policy: cost $30-$60 per month. You pay a $50 deductible first, they have an annual maximum that they'll pay per year of $750 - $1500, they have a waiting period up to 18 months for major work and then you're paying 50% of the charges. Example - average cost for a root canal in my area is $829. With insurance you pay $414 after paying 18 months of premium (around $800 or $900). Advantage - you can use any dentist with most plans. 4. Discount plans - Cost - $5-$12 per month. No deductible, no annual maximum and no waiting periods. Also, hardly any dentists will accept the plan and when they do you MIGHT get a 10% discount, which is about the same discount you can get by paying cash. Example - average cost for a root canal in my area is $829. With discount plans you pay around $746. Be very wary of these plans because most are scams. The people that sell these plans have little or no knowledge about health & dental insurance and do not need a license to sell them. The plans are not regulated by the state so you have no recourse when you have problems. Some states are starting to ban these plans from being sold. Here is an informative link http://www.insurancejournal.com/news/wes… concerning these plans. 5. Fee for Service discount plans - Cost $7-$15 per month. No deductible, no annual maximum and no waiting periods. Many dentist will accept the plan (check providers first before signing up with any plan). When you use the plan there is a set fee that the dentist will charge you. Example - average cost for a root canal in my area is $829. With fee for service plans you pay as little as $404. I'm an insurance agent and my personal plan is the fee for service plan. I got mine here http://www.dpbrokers.com/default.aspx?lo… specifically the Aetna Dental Access plan but which one you get depends upon your area and comparing the fee schedule to find the best for what you need covered.
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Checks from delta dental, do i just sign them over to the dentist?
I just had dental work done last week, first time being an adult and having my own insurance so im not sure how this works. I Received 2 checks from delta dental, now of course i know its not "my" money, but do i cash them put then in my checking account and then pay the dentist, or just sign them over to the dentist, do i wait to get billed? sorry im new to this insurance thing and not sure how this works, i thought delta would pay the dentist directly of what they cover, and the dentist bills me the rest? lol sorry if i sound dumb i just dont know, thanks for your help
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It's best to endorse the checks over to the dentist and take them over ASAP. Return the courtesy given to you by paying your bill promptly and not waiting to be billed.
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It's best to endorse the checks over to the dentist and take them over ASAP. Return the courtesy given to you by paying your bill promptly and not waiting to be billed.
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