rent/mortgage, utilities(Electricity,oil.gas,water), food and household supplies, student loan, credit card, car payments, parking/gas/tolls, health/dental insurance, savings, retirement plan, cellphone, internet, cable Tv, gym membership, ???? average, or what u pay, so i can get an idea of how much is for each thing. thanks
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Every student is different. When I was in school I had all the expense I had before I was a student like mortgage, utilities, food, clothing, supplies, gas, car insurance, gym membership and tuition and books. I maxed out my IRA as usual. I didn't use student loans and paid off my credit card every month only using it for tuition and books. I didn't have cable tv, cell phone, internet or car payments.
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Wednesday, June 22, 2011
Is the following paragraph seem to be Insurance Fraud?
A lady that works for me brought in a Drs. excuess that had a different last name than the one I have on file for her. When I asked her why her name was different, she said. Well, I go by my current husbands name for stuff like my Drivers lic, home loan , etc. but I use my X-husbands name for Medical Insurance, cause I need to have hospitalazation and dental. As far as I know she has been divorced from the X for at least five years. Is there any reason the X would have to or could still have her on his policy?Also, when I asked her if that was legal, she said yes, we looked into it...................WEIRD!!!!!!!!!!!!!!…
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Nope. Once you're divorced, you're not eligible to be covered as a spouse on your ex's insurance. It's clearly fraud, because she's lying about being married, to the insurance company.
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Nope. Once you're divorced, you're not eligible to be covered as a spouse on your ex's insurance. It's clearly fraud, because she's lying about being married, to the insurance company.
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Need Dental Info?
I need dental care very badly, we make really good money but not enough to pay for the work I need, not all at once anyways. Does anyone know of any good plans or financing places? I am 21 so I don't qualify for insurance through DHS. Please Help
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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. 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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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. 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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Free Dental Work?
how do i go about finding a plce to get free dental work done? my bro and uncle need to see a dentist very bad cuz they dont have any insurance..? thanx
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While it is unlikely that you will find absolutely free dental work, there are some places you can go to get low cost dental work. If you qualify for medicaid or medicare, they tend to pay for fillings, extractions, and dentures (for when you lost some or all of your teeth). If you don't qualify for these programs, or similar ones sponsored by your city or state, there are still some options. most larger cities have municipal dental clinics which offer low cost dental care. You'll pay for these services out of pocket, and you'll probably get amalgam fillings, instead of the more expensive, and prettier tooth colored composites, but at least it will keep your teeth in good health and out of pain. Another untapped resource is dental school. All dental schools have clinics that see patients. You'll be seen by dental students under the supervision of licensed dentists/professors. Don't worry, they've usually had a lot of practice on fake teeth, and they're usually so scared about making you mad that if they have a question, they ask the instructor before they make a mistake and get a grade deduction. Dental schools typically charge about 50-60% of what other dentists in the community will charge. Also, every dental school has an emergency clinic- if you are in pain and have no regular dentist for this emergency, they will extract the tooth or start a root canal. They will charge a fee for their services, but again, it's usually very cheap compared to getting your teeth pulled at Sears dental or a private dentist. For more information, start at your city's department of health, and they should have referral services for you to go to.
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While it is unlikely that you will find absolutely free dental work, there are some places you can go to get low cost dental work. If you qualify for medicaid or medicare, they tend to pay for fillings, extractions, and dentures (for when you lost some or all of your teeth). If you don't qualify for these programs, or similar ones sponsored by your city or state, there are still some options. most larger cities have municipal dental clinics which offer low cost dental care. You'll pay for these services out of pocket, and you'll probably get amalgam fillings, instead of the more expensive, and prettier tooth colored composites, but at least it will keep your teeth in good health and out of pain. Another untapped resource is dental school. All dental schools have clinics that see patients. You'll be seen by dental students under the supervision of licensed dentists/professors. Don't worry, they've usually had a lot of practice on fake teeth, and they're usually so scared about making you mad that if they have a question, they ask the instructor before they make a mistake and get a grade deduction. Dental schools typically charge about 50-60% of what other dentists in the community will charge. Also, every dental school has an emergency clinic- if you are in pain and have no regular dentist for this emergency, they will extract the tooth or start a root canal. They will charge a fee for their services, but again, it's usually very cheap compared to getting your teeth pulled at Sears dental or a private dentist. For more information, start at your city's department of health, and they should have referral services for you to go to.
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pet insurance questions!?
We are looking into pet insurance for my 10 month old chihuahua. I have been looking at embrance, tru panion and gopetplan. Would an overbite be considered a pre existing condition? Would residual baby teeth also be preexisting? Would it be covered as a dental illness? Any recommendations to companies you use would also be very helpful! Thanks in advance!
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Sorry but Wise1 has no idea what he's talking about. I work at a vet and we ALL brush our dog's teeth. And accidents do happen even with pets. They get into the garbage and get sick, they dart outside one day and get hit by a car, someone decides they don't like your dog and tries to poison her. My clinic actually treated a chihuahua that was attacked by a hawk (yes, a hawk). Her owner was walking her and the hawk tried to snatch the poor little thing. The only thing that saved her life was the harness and leash to owner used to walk her. My clinic recommends VPI pet insurance. They're a good company and will cover lots of things. But most companies will only cover so much for dental cleanings. Also, most companies will not cover conditions that are considered a breed predisposition (like back problems in dachshunds, heart problems in cavaliers, etc..) They should cover annual care though. Things like vaccinations, heartworm preventatives, etc...
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Sorry but Wise1 has no idea what he's talking about. I work at a vet and we ALL brush our dog's teeth. And accidents do happen even with pets. They get into the garbage and get sick, they dart outside one day and get hit by a car, someone decides they don't like your dog and tries to poison her. My clinic actually treated a chihuahua that was attacked by a hawk (yes, a hawk). Her owner was walking her and the hawk tried to snatch the poor little thing. The only thing that saved her life was the harness and leash to owner used to walk her. My clinic recommends VPI pet insurance. They're a good company and will cover lots of things. But most companies will only cover so much for dental cleanings. Also, most companies will not cover conditions that are considered a breed predisposition (like back problems in dachshunds, heart problems in cavaliers, etc..) They should cover annual care though. Things like vaccinations, heartworm preventatives, etc...
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Desperatly need dental care!!?
I live in St.Louis Missouri and do not have insurance( have state Medicaid but they don't cover dental)...have a vit. def. so teeth are HORRIBLE...swelling and pain at least 2 times a week. If anyone knows of somewhere I can go that is low cost or will do a payment program for someone without credit, please let me know...hard to be happy when you cant even smile.
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Try and google dental offices who run on a sliding payment scale. Many doctors/therapists/dentists/clinics have a sliding payment scale where you pay only what you can afford based on income and stuff like that.
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Try and google dental offices who run on a sliding payment scale. Many doctors/therapists/dentists/clinics have a sliding payment scale where you pay only what you can afford based on income and stuff like that.
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Question about British dental system...?
I'm a Dental History student and I'm writing a paper on why the British have such pig-disgusting jacked up rotten teeth. Is there a consensus that the public health care system just hasn't understood McCain's proposal to free up private insurance in the UK?
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Are you always this rude? There's absolutely nothing wrong with my teeth. At least our teeth look natural instead of those weird blindingly white oh-so-perfect teeth Americans seem to show off at every oportunity. THOSE are not natural!
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Are you always this rude? There's absolutely nothing wrong with my teeth. At least our teeth look natural instead of those weird blindingly white oh-so-perfect teeth Americans seem to show off at every oportunity. THOSE are not natural!
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