My new job doesn't offer dental insurance and I want to make sure I am insured.
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Most of the time, the only way to get really good dental coverage is through your employer. When you buy dental insurance as an individual, there are deductibles and co-pays and annual maximums that you need to analyze in order to figure out when and if you will actually save money by having insurance coverage. Some of the premiums I have seen make it almost impossible to realize any positive cash flow from the related policy. I mean, at $60 a month with $100 deductible and $1,000 annual maximum, you will have to take $820 out of your own pocket before you realize one penny of "profit" or net gain from your dental insurance. Then you have to calculate the effect of co-payements. Check the figures and do the math yourself. Be cautious about buying or choosing a plan where you do not have any choice about the dentist you can see, because you just might not like the dentist(s) listed on the plan and then you are stuck for a year until you can get out of it. Be cautious about buying a so-called "dental discount plan," often mentioned on Yahoo!, since they also have restrictive lists and they really are not dental insurance at all. Just be careful and understand what you are buying. For many people who just can't get good dental insurance, a regular savings plan sort of like a Christmas Club with $20-25 a month deposited into a dedicated account will pay off when you examine the return over a lifetime. You may run way over your savings at first, but once you get your mouth straightened out, your annual expenses should not be more than a couple hundred dollars most of the time. For major treatment, dental insurance is no great deal anyhow. They limit you to $1,000-1,500 per year, subject you to deductibles, co-pays, etc. Imagine if you were in a car accident and your carrier said, "Yep, it's a total loss. Here's a check for $1,500. Good luck coming up with enough money to buy a new car." Dental "insurance" should usually be considered a payment arrangement where you give your dollars to a large company who holds onto them until you say the secret word and manage to get a few of them back.
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Friday, October 29, 2010
How good is Delta Dental Insurance and is it worth it?
My mom is out of work and needs to have some dental work done. I was thinking to get her a Delta Dental Insurance in the hopes that it will help her. If you currently have this insurance or had it in the past, could you please tell me if it's worth it. Thanks.
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I signed up for Delta Dental through AARP and I am very happy with it. It pays most of my check-ups & yearly x-rays. The amount I have to pay is very small. I've been getting my teeth capped (because it's needed and opposed to wanting it) and Delta Dental pays 50% of the cost. My dentist charges $900 and my share is $450. My monthly premiums are a little over $50 per month and I consider the insurance well-worth it. I doubt that you will find an insurance which will pay more but if you do I'm betting the premiums will be sky high.
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I signed up for Delta Dental through AARP and I am very happy with it. It pays most of my check-ups & yearly x-rays. The amount I have to pay is very small. I've been getting my teeth capped (because it's needed and opposed to wanting it) and Delta Dental pays 50% of the cost. My dentist charges $900 and my share is $450. My monthly premiums are a little over $50 per month and I consider the insurance well-worth it. I doubt that you will find an insurance which will pay more but if you do I'm betting the premiums will be sky high.
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What would you suggest for affordable, quality dental insurance in Indiana?
Hello. I recently graduated college and came off of my parents' insurance. Unless I am able to go back on for a few years (thank you Obama) I'm going to be looking for my own insurance here soon. I'm currently looking for some quality dental insurance right now. I just moved to Indiana and would like to find something quick. Any help would be great. Thanks so much.
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Common situation you met like many other people,be patient,and check the resource here www.HealthInsuranceFree.info/dental.html i found very useful for me to solve my similiar problem.
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Common situation you met like many other people,be patient,and check the resource here www.HealthInsuranceFree.info/dental.html i found very useful for me to solve my similiar problem.
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Is there such a thing as free dental insurance?
I've been searching for "free dental insurance" and I don't seem to come up with anything. CAn anyone tell me if they actually have a free dental insurance plan or something?
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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. Individual & Family Health Plans This is a major health insurance plan for individuals and families. If you are looking for comprehensive long term health insurance coverage for yourself and/or your family members who are 62 years old or younger - this is the plan to choose. Short Term Medical Plans This plan is ideal for individuals in transition. Maybe you have just graduated from college and are no longer covered under your student health insurance or you moved out on your own, and you're no longer covered under your parents' medical insurance plan. Or perhaps you're employed part-time, going to school, leaving home for the first time, or even retiring early. Maybe you've found a new job, but your new employer's group health insurance plan won't kick in until you've been with months. 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/dental.html 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. Individual & Family Health Plans This is a major health insurance plan for individuals and families. If you are looking for comprehensive long term health insurance coverage for yourself and/or your family members who are 62 years old or younger - this is the plan to choose. Short Term Medical Plans This plan is ideal for individuals in transition. Maybe you have just graduated from college and are no longer covered under your student health insurance or you moved out on your own, and you're no longer covered under your parents' medical insurance plan. Or perhaps you're employed part-time, going to school, leaving home for the first time, or even retiring early. Maybe you've found a new job, but your new employer's group health insurance plan won't kick in until you've been with months. 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/dental.html to solve the problem.
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Can my dad include my in his dental insurance at work?
He's going to to have an insurance renewal this November for his work and he told me he might be able to include me since I need some dental work done. I am 19 years old. Is this possible?
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It's possible, but usually he'd have to add you for health insurance, also. And usually, you'd have to be his dependent on his taxes.
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It's possible, but usually he'd have to add you for health insurance, also. And usually, you'd have to be his dependent on his taxes.
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How much would getting your wisdom teeth pulled with no dental insurance?
I recently felt a wisdom tooth coming in and I'm starting to get pretty nervous about it. I have no dental insurance. So far it's not hurting, and I can see it coming in, so I'm hoping very much that I won't need to get them pulled. Is this a possibility, or does everyone have to eventually get them pulled?
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You will have to get them pulled. They cause decay for some reason then it spreads to your molars....One of the main reasons why they are pulled. I would strongly encourage a visit to www.healthsavings.ourperfectcard.com I signed up online over 6 years ago when I was in college and they have saved me thousands of dollars over the years on all services. From root canals, xrays, exams, extractions, crowns...etc. Even my braces had great coverage. They even had my very affordable benefits active in 2 hours and was able to use them the very same day. Good luck and hope this helps
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You will have to get them pulled. They cause decay for some reason then it spreads to your molars....One of the main reasons why they are pulled. I would strongly encourage a visit to www.healthsavings.ourperfectcard.com I signed up online over 6 years ago when I was in college and they have saved me thousands of dollars over the years on all services. From root canals, xrays, exams, extractions, crowns...etc. Even my braces had great coverage. They even had my very affordable benefits 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 need great dental insurance for a reasonable premium, where do i start looking? In NORCAL?
My mom was always terrified of the dentist and so am i. I haven't been in 10 years, i desperately need quality dental work and oral surgery for at least 3 extractions. Where can i find or begin to find good dental insurance? Also, would i be able to be added to another family members if we live in different states? not sure how this works someone please explain. And Are dental college students really good at fixing for cheap?or will i get what i paid for?
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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 when I was in college and they have saved me thousands of dollars on all of my dental needs. From extractions, xrays, fillings, root canals...etc. Even my braces had great coverage. They even had my very affordable benefits 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 website: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago when I was in college and they have saved me thousands of dollars on all of my dental needs. From extractions, xrays, fillings, root canals...etc. Even my braces had great coverage. They even had my very affordable benefits active in 2 hours and was able to use them the very same day. Good luck and Hope this helps
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Are there any programs for college kids to get cheap dental insurance?
In college, not covered by my parent's insurance and can't get it at my job. Is there any sort of programs where College age students can get a relatively cheap dental insurance, or dental work done on the cheap? If it helps, I'm in Oklahoma.
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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 when I was in college and they have saved thousands of dollars over the years on all services. From root canals, extractions, xrays..etc. including 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 when I was in college and they have saved thousands of dollars over the years on all services. From root canals, extractions, xrays..etc. including 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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what the best dental insurance i can get being self employed? i find a lot of dental plans?
These so called dental plans sound sketchy . and i cant find dental insurance in louisiana from someone i have heard of . anyone have any suggestions?
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There is Delta Dental, but it is expensive and only covers cleanings and oral exams and up to a certain amount of fillings and extractions. AmeriPlan USA is the best alternative to "dental insurance". I've checked everywhere myself and finally went wtih AmeriPlan. We only pay $20 a month for our entire family and only go in when we need work done. We save 50-80% off everything dental related!! we pay $47 per cleaning and only go twice a year.. that's WAY better than paying at least $50 a month for Dental Insurance! And when you need crowns or fillings they are 60% off reg. price.. (which depends on which dentist you see) Check out their Dental Plus plan at the website below it gives the breakdown of all your discounts for your area. I can also tell you how I use my own dental plan through AmeriPlan and how it works exactly. #414-897-7471 CST
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There is Delta Dental, but it is expensive and only covers cleanings and oral exams and up to a certain amount of fillings and extractions. AmeriPlan USA is the best alternative to "dental insurance". I've checked everywhere myself and finally went wtih AmeriPlan. We only pay $20 a month for our entire family and only go in when we need work done. We save 50-80% off everything dental related!! we pay $47 per cleaning and only go twice a year.. that's WAY better than paying at least $50 a month for Dental Insurance! And when you need crowns or fillings they are 60% off reg. price.. (which depends on which dentist you see) Check out their Dental Plus plan at the website below it gives the breakdown of all your discounts for your area. I can also tell you how I use my own dental plan through AmeriPlan and how it works exactly. #414-897-7471 CST
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What kind of Dental Insurance should I get?
I need to get my wisdom teeth taken out, but don't have any dental insurance at the moment. I'm unable to get it through my employer, so I need to find a cheap plan that would allow me to choose my own dentist. Would I be able to cancel the plan after I received the treatment? Any recommendations and specific cost amounts would be great! In case it matters, I'm 22 and live in Southern California.
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short answer "NONE". Dental insurance you will buy for one year and will probably cost you as much as the surgery it's self. And on top of that the insurance will not pay all the cost of the surgery. An alternative to this is to go to a university that has an oral surgery department. The surgery will be done by a resident surgeon and they are very inexpensive.
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short answer "NONE". Dental insurance you will buy for one year and will probably cost you as much as the surgery it's self. And on top of that the insurance will not pay all the cost of the surgery. An alternative to this is to go to a university that has an oral surgery department. The surgery will be done by a resident surgeon and they are very inexpensive.
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When will I be able to start using my dental insurance in the us army?
Will I be able to start using it in bct (basic training). I have a few cavities that I wish to fill as soon as I can. So, my question asks if I can start using my dental insurance at bct? Thanks.
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Yes, if you have dental needs in boot camp you go to the dentist. You don't pay medical or dental insurance for yourself, just for your dependents. Your treatment is free.
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Yes, if you have dental needs in boot camp you go to the dentist. You don't pay medical or dental insurance for yourself, just for your dependents. Your treatment is free.
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Which is better in the long run, a dental plan or a dental insurance?
I am retired now, just me and my wife. I have looked at dental plans and dental insurance (which is expensive). We'll need more dental work done in the near future, whish is better to go with for the long run?
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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 now and they have saved me thousands on all services...From root canals, xrays, exams, cleanings..etc. All services are included in this very affordable plan. Even Cosmetic surgery, orthodontist and dentures. They even had my very affordable plan active in 2 hours and was able to use it the very same day. 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 now and they have saved me thousands on all services...From root canals, xrays, exams, cleanings..etc. All services are included in this very affordable plan. Even Cosmetic surgery, orthodontist and dentures. They even had my very affordable plan active in 2 hours and was able to use it the very same day. hope this helps.
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Anyone gotten their medical insurance to pay for dental implants?
I need an implant since I'm missing a tooth, and my dental insurance doesn't cover implants. I've heard that occasionally people have gotten their medical insurance to pay for implants. Has anyone tried this? If so, who is your insurance company? Any tips? Thanks!
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health-quotes.isgreat.org - here is my health insurance plan. As I remember they can provide such a service.
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health-quotes.isgreat.org - here is my health insurance plan. As I remember they can provide such a service.
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Does anyone know of an insurance company that will work in conjunction with Aetna Dental?
I'm looking to acquire more dental insurance that will work with Aetna dental. This is to help reduce cost. I know people have used their dental and their spouse's together. I'm not married so i need to buy a plan. Any help would be greatly appreciated.
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Any other dental insurance will 'work' in conjuction with Aetna.. it's called coordination of benefits. Just be aware that some companies have a clause that will not pay for some treatments when the primary insurance has already paid... it's called a 'non-duplication' clause.
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Any other dental insurance will 'work' in conjuction with Aetna.. it's called coordination of benefits. Just be aware that some companies have a clause that will not pay for some treatments when the primary insurance has already paid... it's called a 'non-duplication' clause.
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Do you know of a good dental insurance that covers braces?
I need a dental insurance that covers getting braces (in a adult not child). Do you know of one?
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Lots of dental insurances cover orthodontia, most, however, have a lifetime maximum of usually about 2000.00. Private insuraance is expensive, and doesn't usually have a high routine maximum, and no coverage for orthodontia. This is for Canada. Not sure about the US.
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Lots of dental insurances cover orthodontia, most, however, have a lifetime maximum of usually about 2000.00. Private insuraance is expensive, and doesn't usually have a high routine maximum, and no coverage for orthodontia. This is for Canada. Not sure about the US.
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Can I buy extra dental insurance to reduce my out-of-pocket cost for my teetch surgery?
I need to do teeth surgey which could cost about 4k, but my company dental insurance will only pay 40%, in order to reduce my own cost, can I buy extra insurance to cover the 60% cost, or at least reduct my own cost? If yes, any good ones out there? Thanks.
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health-quotes.talk4fun.net - here is my health insurance plan. As I remember they can provide such a service.
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health-quotes.talk4fun.net - here is my health insurance plan. As I remember they can provide such a service.
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How can i get free medical and dental insurance?
I am 26 year old, who is still in college full time, I have a job where i make $1000 a month, so some insurance limit is $700-$900. So those are out of the question. I live at home. Does anyone know where i can get free medical and dental insurance. Please do help me.
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try it http://dentalinsurance.wikicipe.com
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try it http://dentalinsurance.wikicipe.com
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What's the best dental insurance for an individual in Missouri?
I've been trying to search for an affordable dental insurance plan for myself. I'm single , live alone and work 40 hours a week like a lonely servant of god. I could probably afford up to $50 - $70 a month. I'd like to have a low deductible etc. Thanks in advance for any information and help.
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Private dental insurance is very expensive and often doesn't make financial sense to buy. Discount dental plans provide major savings with affordable yearly premiums ($80-$200/year). See http://www.lowpriceddentalplans.com to see which plans are available for your zip code.
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Private dental insurance is very expensive and often doesn't make financial sense to buy. Discount dental plans provide major savings with affordable yearly premiums ($80-$200/year). See http://www.lowpriceddentalplans.com to see which plans are available for your zip code.
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How do places that give people dental insurance determine whether or not someone has a preexisting condition?
how do they know if the person taking out the dental insurance has a pre - existing condition or not ?
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healthquotes.awardspace.info - my family have this health insurance. It is affordable and has good coverage for dental issues.
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healthquotes.awardspace.info - my family have this health insurance. It is affordable and has good coverage for dental issues.
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Anyone with boots dental insurance managed to get an implant or a bridge?
I had a tooth pulled out and it left a massive hole in the gum. It looks horrendous.Im with Boots Dental Insurance.Has anyone had an implant or a bridge covered with Boots insurance?
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as some one has already said correct that you should consult your doctor and not to rely on the online info 95% is not so reliable. But make sure you check with your insurance too. If you really want some information online then I would suggest you google and read as much as info you can. or read some articles like these to gain knowledge on the dental insurance http://dentalinsuranceplanscompare.com/insurance-plans/information-kit-on-discount-dental-plans-1.html
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as some one has already said correct that you should consult your doctor and not to rely on the online info 95% is not so reliable. But make sure you check with your insurance too. If you really want some information online then I would suggest you google and read as much as info you can. or read some articles like these to gain knowledge on the dental insurance http://dentalinsuranceplanscompare.com/insurance-plans/information-kit-on-discount-dental-plans-1.html
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