Anyone know of a good individual dental plan for someone in Central CA? Looking for one good prices on dental procedures (implants, root canals, fillings) good yearly rate.. Thanks
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I live in central Ca myself and signed up for dental benefits with the company below. Its not insurance. It cost me $19.95 for my entire family and they saves us up to 80% on our dental work. You also get free vision, free prescription and free chiropractic care with your dental. I broke a tooth a few weeks ago and it saved me a lot of money. I would look into them. There are no waiting periods of paper work to feel out...thats one thing I liked about them. Good luck to you
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Wednesday, December 15, 2010
i'm having trouble deciphering my dental insurance claim...?
i received an insurance claim for a dental procedure and having trouble figuring out how much i have to pay. amount claimed $1,021 amount allowed $ 400 deduct applied $ 50 patient resp $ 120 amount paid $ 120 can someone please explain what each line means? thank you
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It's not a ponzi scheme. And to the dentist who hates insurance companies: yeah, if people didn't have dental insurance, they wouldn't even go to the dentist to begin with: 60% of all dental patients have insurance. This more than likely looks like the dentist belongs to a network and the CLAIMED fee isn't what the dental insurance company is going to pay him. Looks like you had a major procedure( I'm guessing crown) and normally the dentist charges 1021, but he agreed to a lower fee to belong to the insurance company's network. Amount allowed is, I'M GUESSING around 50% of the actual amount the insurance company allows the dentist to charge, since most companies pay out major procedures at 50%... but your insurance plan may be different. Check your certificate of insurance to make sure. After you paid your deductible at the office, the dental office probably sent off the claim to the insurance company, and the insurance company came back with that payment. It is now the dental company's responsibility to send you the bill for the balance, if there is any at all. Call the insurance company's customer service line. Hope you don't have METLIFE... they suck.
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It's not a ponzi scheme. And to the dentist who hates insurance companies: yeah, if people didn't have dental insurance, they wouldn't even go to the dentist to begin with: 60% of all dental patients have insurance. This more than likely looks like the dentist belongs to a network and the CLAIMED fee isn't what the dental insurance company is going to pay him. Looks like you had a major procedure( I'm guessing crown) and normally the dentist charges 1021, but he agreed to a lower fee to belong to the insurance company's network. Amount allowed is, I'M GUESSING around 50% of the actual amount the insurance company allows the dentist to charge, since most companies pay out major procedures at 50%... but your insurance plan may be different. Check your certificate of insurance to make sure. After you paid your deductible at the office, the dental office probably sent off the claim to the insurance company, and the insurance company came back with that payment. It is now the dental company's responsibility to send you the bill for the balance, if there is any at all. Call the insurance company's customer service line. Hope you don't have METLIFE... they suck.
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i have no dental insurance, no job, will dental companies help me?
i have alot of pain; wisdom teeth, crowding, sleep apnea, cant bite down all the way, cant open mouth that much. does anybody have any ideas as to what i can do?
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Medical Discount Plan ideal for those who cannot afford or qualify for traditional health insurance. The companies offer discounted health services for a quite low monthly fee. Benefits include a range of discounts for doctors, hospitals, dental, vision, prescriptions, vitamins, as well as other health services. 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 www.HealthInsuranceFree.info to solve the problem.
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Medical Discount Plan ideal for those who cannot afford or qualify for traditional health insurance. The companies offer discounted health services for a quite low monthly fee. Benefits include a range of discounts for doctors, hospitals, dental, vision, prescriptions, vitamins, as well as other health services. 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 www.HealthInsuranceFree.info to solve the problem.
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I have no dental insurance. I have a toothache.?
I have been taking aleeve but it isn't helping anymore. I am looking into dental insurance plans that I can purchase. If I go to my family doctor would he give me something for the pain for the time being? Or would he just tell me he isn't a dentist?
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Do you have a dental school that's close by? Usually they'll accept patients where you pay a reduced fee on all procedures (up to 50%). Advantages: very affordable Disadvantages: procedures take longer as students, under the supervision of dentists, will perform the procedures.
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Do you have a dental school that's close by? Usually they'll accept patients where you pay a reduced fee on all procedures (up to 50%). Advantages: very affordable Disadvantages: procedures take longer as students, under the supervision of dentists, will perform the procedures.
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Short term dental insurance for root canal?
Not to sound like a scammer, but my girlfriend is in a pretty bad situation. She is a graduate student, and has limited medical coverage with absolutely no dental. She had not visited a dentist in two years, and recently had a visit that resulted in a recommendation for a root canal and crown. Looking at fee structures, it would appear that the whole procedure could easily cost $1500+. As a grad student, she obviously was not prepared for this. I've looked online at "discount" plans, and see ones that (for ~$5-10/mo) give you about a 20% price break. Still not that desirable ... Is there any "easy" out in this situation? Without spending thousands of dollars? Thanks in advance!
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have you looked at AmeriPlan yet? AmeriPlan has month-to-month programs for $19.95/month, with discounts up to 80%. You can check their fee schedule on-line.
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have you looked at AmeriPlan yet? AmeriPlan has month-to-month programs for $19.95/month, with discounts up to 80%. You can check their fee schedule on-line.
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Dental Discount Plans vs Dental Insurance?
What's the difference between Dental Discount Plans vs Dental Insurance? Which is better? Also, which dental insurance is the best?
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If you have good teeth and just want the basics you probably don't need any plan. A yearly cleaning and exam will cost you less without insurance. You have four options with dental. 1. 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 and they actually do a very good job. 2. 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. 3. 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. 4. 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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If you have good teeth and just want the basics you probably don't need any plan. A yearly cleaning and exam will cost you less without insurance. You have four options with dental. 1. 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 and they actually do a very good job. 2. 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. 3. 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. 4. 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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I don't understand the Explanation of Benefits from my Dental insurance...?
I was under the impression that the "Patient's Responsibility" amount would be approximately what I 'd be charged from the doctor. I paid the doctor prior to receiving the statement from the insurance, and it was much more than this amount. Why doesn't the amount I paid the doctor match up with the amounts on the explanation of benefits?
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Your doctor's office has likely over-estimated your copayment. You should call and check with your doctor's office, if they have received the payment from your insurance you probably have a credit on your account.
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Your doctor's office has likely over-estimated your copayment. You should call and check with your doctor's office, if they have received the payment from your insurance you probably have a credit on your account.
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