I am a full time student and my father is retired military. He is looking into enrolling in the delta dental plan through his retiree program which is a very good program considering his crappy one that he has from his job. Anyway, I was in the process of getting consultations for my wisdomt teeth extractions. I recently went to a dental school to get my xrays looked at to get the procedure done. I was wondering, if he enrolls in this program, am I able to go back to the same oral surgeon with a new dental insurance, or would I have to go to another surgeon so that it is not looked at as a "pre exisiting condition" so that they will take the insurance?
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dentists don't care whose money they are getting as long as they get it in the end. they will work with you to do what it takes to secure your business.
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Sunday, December 26, 2010
What is the best dental insurance for my situation?
I have a broken tooth (number 5 bottom left) which has to be either replaced with an implant or root-canaled and filled. I have been told that either way it will take more than 3000$ to fix it. Obviously, I have no dental insurance plan and I have to fix my tooth before it affect my health. Now, I am thinking about different ways to deal with this, one would be to pay in cash or installment without any dental plan. Another way is to get a dental discount plan or a real insurance. What do you think would be the best choice? If I get a real insurance, can I use it right away? What are some reputable dental insurances in the US? Where do I start to find plans and quotes? Does it worth it to go through all the insurance policies and stuff like that? Or I can just fix the tooth by cash? thanks for your help
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I would encourage you to visit this great website: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago and they have saved me thousands of dollars on all of my dental services. From extractions to xrays, fillings, crowns, Cleanings, and even my braces. They even had my affordable benefits active in 2 hours and was able to use them the very same day. I have been using this plan when I max out my insurance and or when I had a waiting period and needed work done ASAP. Good luck and Hope this helps.
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I would encourage you to visit this great website: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago and they have saved me thousands of dollars on all of my dental services. From extractions to xrays, fillings, crowns, Cleanings, and even my braces. They even had my affordable benefits active in 2 hours and was able to use them the very same day. I have been using this plan when I max out my insurance and or when I had a waiting period and needed work done ASAP. Good luck and Hope this helps.
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Dental insurance? is it worth it..I dont really understand how it works?
I know you pay a monthly fee..so if i got insured could i then straight away go to a private dentist and have work done and the cost be covered (with me paying monthly?)
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If you need ANY dental work done then yes dental insurance is absolutely worth it. Anything a dentist does is gonna cost quit a bit and your insurance will cover a percentage of that cost, usually 50-80%, depending what it is and how good your insurance is. It should also cover two cleanings a year at no cost to you.
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If you need ANY dental work done then yes dental insurance is absolutely worth it. Anything a dentist does is gonna cost quit a bit and your insurance will cover a percentage of that cost, usually 50-80%, depending what it is and how good your insurance is. It should also cover two cleanings a year at no cost to you.
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Need dental work done, no insurance or plan.?
Dental Plan or Insurance out of pocket? Hi, I don't receive dental insurance or a plan from my work. I need dental work done. I've not been to a dentist in 7 years. I've got tooth decay on one of my two front teeth, at only 21 years old. It's killer with my social skills, and I'm always conscious of the decay, and try to not smile. I know, embarrassing right. Anyways. How should someone that doesn't have insurance go about getting dental work done? I need to see a dentist, and have my front tooth repaired before it continues to eat, and I've no longer a front tooth. Possible veneer or two. I'm in Oregon btw. I know I'll be billed, and I'm cool with making payments, as long as my teeth are fixed, and I no longer have this decay. Thanks for your time.
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I would strongly 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 since on all dental services. Xrays, exams, cleanings, fillings...etc. They even had my very affordable plan active in 2 hours and was able to use it the very same day. There are no limitation on the times you need to use it. Then try to work out a payment plan with the dentist. Good luck and hope this helps.
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I would strongly 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 since on all dental services. Xrays, exams, cleanings, fillings...etc. They even had my very affordable plan active in 2 hours and was able to use it the very same day. There are no limitation on the times you need to use it. Then try to work out a payment plan with the dentist. Good luck and hope this helps.
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Need help to choose dental insurance.....please read ?
I am working as contractor and don't have insurance. I just purchase insurance through Mega Insurance http://www.megainsurance.com/ They have the dental plan that cost about $40/mt for family, but look like i have to pay out arm/leg at the time of service. My kids (11 and 6) need to have some work done (cavities and crown). What Health and Dental insurance is best for private contractor like me? Any dental insurance that is good so that I can sign up to have my kids dental work done? thanks so much.
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Your first mistake was the Mega policy. Mega is a hospital certificate, not a comprehensive major medical. Here is a comparison of Mega to the other plans available. After reading this you should visit a local agent that works with all the major companies in your area. Mega deductible is per confinement, which means if you go into the hospital 3 times in one year you have 3 deductibles to meet. Most plans' deductible is per year. Lifetime maximum for Mega is $1 Million. Major medical plans are $2 to $8 Million. Mega has an annual maximum per illness of $500,000. Most Major medical have NO annual maximums. Depending upon the policy, Mega will only pay UP to $500 per day if you are admitted to the hospital. Average daily hospital cost - $3000, Average stay – Three days. For the average hospital stay MEGA will pay up to $1500, you will pay $7500. Depending upon the policy, Mega will only pay UP to $1500 per day if you are in ICU. Average cost - $8000, Average stay – Two days. For the average ICU stay MEGA will pay up to $3000, you will pay $13,000. Since most people (unless they're dead) have a hospital stay after the ICU stay you can add in the figures from the previous paragraph. Doctor visits while you are in the hospital is limited to $50 per visit and limited to ONE visit per day. Average cost - $120, Average number of daily visits – TWO. For the average 3 day hospital stay MEGA will pay $150, you will pay $570. Ambulance transport is limited to $250 per trip and payable only if you are admitted to the hospital for over 24 hours. If you are transported to the ER and not admitted - no benefits. The average cost for ambulance - $1000. For the ambulance (if you are admitted to the hospital) MEGA will pay $250, you will pay $750. For the ambulance (if you are NOT admitted to the hospital) MEGA will pay $0, you will pay $1000. Air ambulance is not covered unless additional rider purchased. Maximum benefits with Mega are $3500. Average cost - $12,000. Your bill - $8500. Many other limitations for: miscellaneous hospital inpatient charges, inpatient and outpatient surgery, routine physicals, anesthesiologist and more. Plus you have to pay the expensive yearly dues. Here is some information about Mega: http://law.freeadvice.com/insurance_law/… For dental insurance you can check this link. I'm an insurance agent and my personal plan is the fee for service plan 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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Your first mistake was the Mega policy. Mega is a hospital certificate, not a comprehensive major medical. Here is a comparison of Mega to the other plans available. After reading this you should visit a local agent that works with all the major companies in your area. Mega deductible is per confinement, which means if you go into the hospital 3 times in one year you have 3 deductibles to meet. Most plans' deductible is per year. Lifetime maximum for Mega is $1 Million. Major medical plans are $2 to $8 Million. Mega has an annual maximum per illness of $500,000. Most Major medical have NO annual maximums. Depending upon the policy, Mega will only pay UP to $500 per day if you are admitted to the hospital. Average daily hospital cost - $3000, Average stay – Three days. For the average hospital stay MEGA will pay up to $1500, you will pay $7500. Depending upon the policy, Mega will only pay UP to $1500 per day if you are in ICU. Average cost - $8000, Average stay – Two days. For the average ICU stay MEGA will pay up to $3000, you will pay $13,000. Since most people (unless they're dead) have a hospital stay after the ICU stay you can add in the figures from the previous paragraph. Doctor visits while you are in the hospital is limited to $50 per visit and limited to ONE visit per day. Average cost - $120, Average number of daily visits – TWO. For the average 3 day hospital stay MEGA will pay $150, you will pay $570. Ambulance transport is limited to $250 per trip and payable only if you are admitted to the hospital for over 24 hours. If you are transported to the ER and not admitted - no benefits. The average cost for ambulance - $1000. For the ambulance (if you are admitted to the hospital) MEGA will pay $250, you will pay $750. For the ambulance (if you are NOT admitted to the hospital) MEGA will pay $0, you will pay $1000. Air ambulance is not covered unless additional rider purchased. Maximum benefits with Mega are $3500. Average cost - $12,000. Your bill - $8500. Many other limitations for: miscellaneous hospital inpatient charges, inpatient and outpatient surgery, routine physicals, anesthesiologist and more. Plus you have to pay the expensive yearly dues. Here is some information about Mega: http://law.freeadvice.com/insurance_law/… For dental insurance you can check this link. I'm an insurance agent and my personal plan is the fee for service plan 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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Can a dental office submit claims to insurance LATER?
I went to my dentist yeaterday. I supposed to have dental insurance trough my wife's work (actually we paid for it), and HR ar her work told her that the insurance will kick in Nov 01/2007. Yes, but when I went to the office they checked with the insurance company and said to me that there is no insurance under our name. When my wife double checked with Human Resources they told her that the insurance actually will kick in Dec 01/2007 (one month later). I didn't pay the bill. The dentist said to me to clarify the problem and call them bak. I am going to call the office tomorrow. Is it possible for them to claim the work they did after Dec 01/2007 or I have to pay cash AGAIN. It is so painful paying cash and insurance at the same time, isn't it?
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They can pretend that you got the work done on Dec. 7 instead of Nov. 7, but its technically insurance fraud. however, if they are willing to do it, let them do it.
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They can pretend that you got the work done on Dec. 7 instead of Nov. 7, but its technically insurance fraud. however, if they are willing to do it, let them do it.
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Dental Hygenist recommends expander, insurance doesnt cover ortho? ?
I saw my dentist for the first time in 5 yrs(had no health insurance) and actually he wasn't in so I saw his terrible dental hygenist she took x-rays/cleaned/examined..came out with a bunch of cavities(not sure of the # she said he might find more?) which doesn't bother me, because genetically I'm pretty prone to them..She also mentioned I go back to my orthodontist(havent seen him in about 5 years also...) and get an expander on the bottom of my teeth if I could..(I have overcrowding since my wisdom teeth came in/not wearing my retainer..dammit.) Well here's my issue, my dental insurance doesn't cover orthodontics(wonderrrful..) and I'm not exactly rich(more like starving college student, whom mommy & daddy havent loaned me a penny since I was 13..) and I don't know what to do..I've made the appointment with the orthodontist to get a permanent metal bracket on the back of my two front teeth put back on..(if he can, that happened almost 2 years ago)..and I don't want to mention the expander and have him start doing things and not be able to pay my rent this month..What should I do? If I don't get this expander, will my dentist just stop seeing me?
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If finances are an issue then you should not be considering ortho at this time. Ortho is elective treatment mostly for the purposes of cosmetics. You should be working on getting any cavities fixed. As for the hygenist, I don't know what to say. They should not be diagnosing you, especially in ortho. A hygenist may notice cavities and mention it to you and have doctor verify that you do have cavities but for the most she should not be doing the final diagnosis of it. The other odd thing is if you do have cavities why are you getting braces done first? Ortho is not to be started until the mouth is stable. This is negligence on the part of orthodontist who puts the braces on knowing there are cavities. I would seek a second opinion and if you do have cavities get them worked on first.
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If finances are an issue then you should not be considering ortho at this time. Ortho is elective treatment mostly for the purposes of cosmetics. You should be working on getting any cavities fixed. As for the hygenist, I don't know what to say. They should not be diagnosing you, especially in ortho. A hygenist may notice cavities and mention it to you and have doctor verify that you do have cavities but for the most she should not be doing the final diagnosis of it. The other odd thing is if you do have cavities why are you getting braces done first? Ortho is not to be started until the mouth is stable. This is negligence on the part of orthodontist who puts the braces on knowing there are cavities. I would seek a second opinion and if you do have cavities get them worked on first.
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