Im 25 years old and I need dental insurance and would like to get braces sometime. I would like to find a dental plan that would help with the over all cost.
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YOu are not the only person who have ever met this kind of problem,I met this type of problem before.I have good experience here http://www.HealthInsuranceFree.info to solve the problem.
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Sunday, November 28, 2010
anyone know where to get good individual dental insurance thats effective immediatly?
I need my wisdom teeth removed but have no insurance, most individual insurance companies have a 6 month waiting period for procedures other than preventitive. I need them out now because one was infected and I got it treated with antibiotics but Im afraid it will come back because it keeps bleeding. Any help will do and I am in florida.
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Nope. Why would anyone sell you insurance and immediately cover a pre-existing condition? This is like shopping for medical insurance when you are 6 months pregnant. I hate, hate, hate to say this, but since you said, "Any help will do," you might be someone who should look into a dental discount plan. Bear in mind that it is NOT insurance and you may have to go to a dentist that you don't like to take advantage of the discount, but you might be able to pick up a discount plan and get your wisdom teeth out and then dump the plan. I'm sure someone representing one of those plans will come along and pitch their product in response to your question.
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Nope. Why would anyone sell you insurance and immediately cover a pre-existing condition? This is like shopping for medical insurance when you are 6 months pregnant. I hate, hate, hate to say this, but since you said, "Any help will do," you might be someone who should look into a dental discount plan. Bear in mind that it is NOT insurance and you may have to go to a dentist that you don't like to take advantage of the discount, but you might be able to pick up a discount plan and get your wisdom teeth out and then dump the plan. I'm sure someone representing one of those plans will come along and pitch their product in response to your question.
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What's the Catch? (Dental insurance buffs) Why go with a PPO over a HMO?
So I've been researching dental insurance in my area. (S. Florida Metro - Ft. Lauderdale/Miami/Palm Beach) I've received a quote from a dental HMO that provides the following; Individual Premium per month - 11.95$ No Wating Period No Plan Maximum No Deductable. As examples of coverage; Cleanings are no charge. Fillings for one surface are 25$ for composite fillings. Standard silver fillings are no charge. Crowns run between 245$-300$ Endodontics/Root Canals run between 110$ and 345$ Periodontic services run between 110$ and 300$ for surgical services. Non surgiacal periodontic services run between 38$ and 65$ Dentures and bridges are fairly priced between 300$ and 425$ Extractions run between 30$ and 100$ The only place they really get you is with orthodontics. Now let's look at a PPO. Individual Coverage is between 30$ and 42$ a month for basically the same services between plans, with large waiting periods, tiny plan maximums, and really not that great of coverage. (Cont.)
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Great question. I recently was stuck trying to decide between the two. I chose the PPO just cause that's what everyone else has in the office. But the more I kept comparing the two, I couldn't understand why you pay more with a PPO if the HMO gave you more coverage. I guess I feel better about the PPO cause I get a wider range of doctors and I can go outside the network if I wanted to. That seems to be the only advantage.
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Great question. I recently was stuck trying to decide between the two. I chose the PPO just cause that's what everyone else has in the office. But the more I kept comparing the two, I couldn't understand why you pay more with a PPO if the HMO gave you more coverage. I guess I feel better about the PPO cause I get a wider range of doctors and I can go outside the network if I wanted to. That seems to be the only advantage.
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Will someone explain medical and dental insurance to me?
ive never had either and wasnt raised to know all about them. I undersand that you pay each month for each... but what does it cover? Is there a limit or something? do you have to be paying a couple months before you can get something done? so curious and confused. Thank you so much.where do you get medical and dental??
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here's what insurance is- you paid a little each month so that if you have an accident, or need a doctor, the insurance covers it. not all companies are good though! some are cheating, lying bastards. some times there is a waiting period for coverage, sometimes not. insurance companies have what are called plans. these plans are like cell phone plans. you choose what you can be covered for, ei. self injury may or may not be covered. the company may only pay to a certain extent, or the company may even drop you the second you need them for no reason. it's almost impossible to answer this question fully on YA. isolate what coverage you thing you will need, and what you think you will be covered for. such as- high blood pressure runs in the family, so i have chosen better coverage in case of a heart attack than if i get shot (which probably won't happen). different companies charge different rates for plans and some have sneaky fees. look around on the net for "customer reviews" of insurance companies, the customers are honest, and don't trust a single provider for a second. btw, i have state farm auto, dental, and health insurance. they are low cost and nice folks. as a general rule, the better there commercial or the flashier the commercial, the worst the company. (geiko and esurance suck @$$) i'm sorry i couldn't help more
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here's what insurance is- you paid a little each month so that if you have an accident, or need a doctor, the insurance covers it. not all companies are good though! some are cheating, lying bastards. some times there is a waiting period for coverage, sometimes not. insurance companies have what are called plans. these plans are like cell phone plans. you choose what you can be covered for, ei. self injury may or may not be covered. the company may only pay to a certain extent, or the company may even drop you the second you need them for no reason. it's almost impossible to answer this question fully on YA. isolate what coverage you thing you will need, and what you think you will be covered for. such as- high blood pressure runs in the family, so i have chosen better coverage in case of a heart attack than if i get shot (which probably won't happen). different companies charge different rates for plans and some have sneaky fees. look around on the net for "customer reviews" of insurance companies, the customers are honest, and don't trust a single provider for a second. btw, i have state farm auto, dental, and health insurance. they are low cost and nice folks. as a general rule, the better there commercial or the flashier the commercial, the worst the company. (geiko and esurance suck @$$) i'm sorry i couldn't help more
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If someone already has braces but presently no dental insurance, can they purchase dental insurance?
so that they can get their braces looked after and adjusted properly ?
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Yes. And a good plan would be Ameriplan if I may suggest it. The website is www.urdentalmed.com. Hope I was helpful.
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Yes. And a good plan would be Ameriplan if I may suggest it. The website is www.urdentalmed.com. Hope I was helpful.
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Is there any such thing as good dental insurance?
if so, where?
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not really unless it is an employer funded and administrated plan (employer just pays the costs up to a set amount) or you are a member of certain unions like some wisconsin teachers have WEA Trust which is very good in comparison to regular dental insurance plans. Flexible Spending plans are very nice if you can get a treatment plan from your dentist for the work you need you can prepare for it. Dental insurance doesn't really protect you from expenses, just helps you pay a little less.
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not really unless it is an employer funded and administrated plan (employer just pays the costs up to a set amount) or you are a member of certain unions like some wisconsin teachers have WEA Trust which is very good in comparison to regular dental insurance plans. Flexible Spending plans are very nice if you can get a treatment plan from your dentist for the work you need you can prepare for it. Dental insurance doesn't really protect you from expenses, just helps you pay a little less.
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UK: Is there any dental insurance that will cover braces?
I found out my health insurance doesnt cover cosmetic :( and thinking about getting braces, but not normal ones, i was looking into the ones which are bit more hidden. is there any companies out in UK there which will cover some or most of the cost?
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healthplans.bebto.com - my family have this health insurance. It is affordable and has good coverage for dental issues.
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healthplans.bebto.com - my family have this health insurance. It is affordable and has good coverage for dental issues.
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