I'm looking at getting dental insurance. Is is it better to have one with a fee schedule for many things (I don't think they pay any of this, at least all it says is fee schedule) or to have it be coinsurance and it ranging b/t 10-50% depending on the service. They both have the same deductible % max coverage and the one with the fee schedule is a few dollars more per month.
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If we're not considering cost then the insurance is better. BUT, it depends on the cost. You'll find the Ameritas Dental Insurance on my site as well as a search engine that'll look up 30 different discount plans (fee schedule). With dental plans going for a discount plan isn't so bad because insurance only covers $1,000-$1,500 anyway. In other words a root canal isn't going to cost you your home like a heart attack would.
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Monday, November 8, 2010
I'm in CA and I'm trying to find dental insurance that covers Braces or Veneers and help?
I'm 24 full time student and worker live in L.A and am trying to find Dental Insurance that covers Braces and or veneers, any help?
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Common situation you met like many other people,be patient,and check the resource here www.HealthInsuranceFree.info 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 i found very useful for me to solve my similiar problem.
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Best dental insurance in San Diego? What do you use and are you happy?
I need to get a new Dental Insurance Plan. I want one that people are happy with. My last insurance was a nightmare.
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www.google.com has a great deal of information that you could use to find your answers , while yahoo answer is more likely to be better for people's opinions.. thanks.
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www.google.com has a great deal of information that you could use to find your answers , while yahoo answer is more likely to be better for people's opinions.. thanks.
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Is there any dental insurance thats worth having?
I need major work (I had an accident and lost a tooth) and I am being told by my dentist that I have to pay out of pocket 60%. This seems so high to me, expecially when I pay out the butt for dental insurance every month! Is all dental insurance like this? Are discount dental programs better? I can't afford to pay 60% of my dental work. Its going to be over $3000. Does this make sense? Whats the point of getting dental insurance if you still have to pay ridiculous amounts of money anyway?
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Normally, I would say dental insurance is not worth the $ spent monthly. Although it may seem like it when you run into big procedures like the one you have encountered. I'm assuming you are looking at either a bridge or an implant since you lost only one of your teeth- and yes, $3K is reasonable. (I would opt for the implant if I were you- it will last much longer.) Discount plans are a JOKE. It sounds like you may have a plan that increases over the years. The average plan covers 100% of preventative (cleanings, x-rays) 80% of restorative (fillings, sometimes even root canals and periodontal cleanings) and 50% of major (crowns, bridges, dentures). Some plans say 40% for the first year of coverage, then up it to 50%. Either way, I'd keep your insurance until your treatment is complete. Personally, then I'd ditch it and just go in every six months (unless your dentist recommends 3-4 months) and MAINTAIN your dental health!! When you average out the cost of those semi-annual appointments, they will probably cost less than you spend annually on your dental insurance. Good luck!
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Normally, I would say dental insurance is not worth the $ spent monthly. Although it may seem like it when you run into big procedures like the one you have encountered. I'm assuming you are looking at either a bridge or an implant since you lost only one of your teeth- and yes, $3K is reasonable. (I would opt for the implant if I were you- it will last much longer.) Discount plans are a JOKE. It sounds like you may have a plan that increases over the years. The average plan covers 100% of preventative (cleanings, x-rays) 80% of restorative (fillings, sometimes even root canals and periodontal cleanings) and 50% of major (crowns, bridges, dentures). Some plans say 40% for the first year of coverage, then up it to 50%. Either way, I'd keep your insurance until your treatment is complete. Personally, then I'd ditch it and just go in every six months (unless your dentist recommends 3-4 months) and MAINTAIN your dental health!! When you average out the cost of those semi-annual appointments, they will probably cost less than you spend annually on your dental insurance. Good luck!
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I am looking for dental insurance that covers root planning, cavities, fillings and teeth pulling.?
I am looking for dental insurance that covers root planning (deep cleaning), cavities, fillings and teeth pulling. I can't wait no 18 or 6 months for root planing.
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Many group plans through an employer do not have or have shorter waiting periods. Some dental insurance plans will not have waiting periods but instead have a graduated benefit. For example, the first year they'll pay 10%, second year 30% and third year 60%. Contact a local agent to see if these plans are available in your area. Other than that you could try a dental school where you can get good service at a reasonable cost. You can find the nearest school here: http://www.yourhealthplanadvisor.com/Den…
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Many group plans through an employer do not have or have shorter waiting periods. Some dental insurance plans will not have waiting periods but instead have a graduated benefit. For example, the first year they'll pay 10%, second year 30% and third year 60%. Contact a local agent to see if these plans are available in your area. Other than that you could try a dental school where you can get good service at a reasonable cost. You can find the nearest school here: http://www.yourhealthplanadvisor.com/Den…
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can i get dental insurance through this new healthcare bill?
I currently am on medicaid because im disabled and on social security.I also have medicare but it only covers hospitalization. Does this new healthcare bill offer dental insurance for ppl who need it or if you do want it,you have to get the medical AND the dental?I just want the dental sice i have medicaid.
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health-quotes.talk4fun.net - my family have this health insurance. It is affordable and has good coverage for dental issues.
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health-quotes.talk4fun.net - my family have this health insurance. It is affordable and has good coverage for dental issues.
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What dental insurance should I get?
We have United Concordia Dental insurance through my husband because he's in the Army. Unfortunately it doesn't cover much, for example, it considers conscious sedation for a 4 year old to be elective. Do you know any 4 year old who will hold still while they fill a cavity? I don't think that's elective! Anyways, we need another plan to supplement ours so does anyone know of a good one that will help bridge the gap for us?
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Aenta
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Aenta
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