Just don't have the money for a dentist
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You can easily check your minimal health care rates in internet, for example here - health-quotes.talk4fun.net
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Monday, December 13, 2010
Can health insurance (no dental) cover braces in some cases?
For example, central and lateral incisors are crowded. Both have moved a significant amount, causing a change in the bite (can basically not use the front teeth to bite). In something so extreme, can health insurance cover the braces needed to repair?
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healthquotes.awardspace.info - here is my health insurance plan. As I remember they can provide such a service.
Source
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healthquotes.awardspace.info - here is my health insurance plan. As I remember they can provide such a service.
Source
Can health insurance (no dental) cover braces in some cases?
For example, central and lateral incisors are crowded. Both have moved a significant amount, causing a change in the bite (can basically not use the front teeth to bite). In something so extreme, can health insurance cover the braces needed to repair?
--------------------
You can easily check your minimal health care rates in internet, for example here - health-quotes.isgreat.org
Source
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You can easily check your minimal health care rates in internet, for example here - health-quotes.isgreat.org
Source
Dental Insurance and the Dentists Office?
Is it the Dentists Office responsibilty to refile a claim if one has not been paid in 6 months or is it the patient who must call the dentist office after so many months and tell them to re-file it?
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It is the patient's responsibility to keep up with insurance. Although, whoever does the insurance at your dentists office may try to stay on top of things, it's absolutely impossible to keep up with everyone's claims that have not been paid yet. I do exactly this for a living, so I know it can get overlooked sometimes. If you know the claim has not been filed or has not come through to your knowledge, (you would know this because you should have received an explanation of benefits from your insurance company probably before the dental office received their copy) you can always call your insurance company and ask if the claim has been filed or processed, and if so if anything was paid. If they have processed and paid it, then it could be en route to the dental office or lost in the mail. Be sure to communicate with the office to tell them any information you found out. If the claim was not filed or processed, per your insurance company, then call the dental office and kindly remind them that you have seen no payment by the insurance company for whatever date of service it was and ask them to please re-submit it for you. Every office is different. Some offices have the policy where the patients are responsible for filing their own insurance. It's not how we work around here, and hopefully it's not for your office either. It's a lot more headache for both the staff and the patient! Hope this helped!!! :) BTW it sounds like someone at that office just didnt want to do their job...hopefully they aren't trying to collect the money on it. The only reason they should MAKE you pay would be if the insurance company sent back an explanation saying that due to frequency limitations or expired coverage, your 6 month visit was not covered. They should have no problem re-filing the claim for you. That's just rude...seeing as how most insurance companies and offices do electronic claims...just the click of a button and they are filed!!
Source
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It is the patient's responsibility to keep up with insurance. Although, whoever does the insurance at your dentists office may try to stay on top of things, it's absolutely impossible to keep up with everyone's claims that have not been paid yet. I do exactly this for a living, so I know it can get overlooked sometimes. If you know the claim has not been filed or has not come through to your knowledge, (you would know this because you should have received an explanation of benefits from your insurance company probably before the dental office received their copy) you can always call your insurance company and ask if the claim has been filed or processed, and if so if anything was paid. If they have processed and paid it, then it could be en route to the dental office or lost in the mail. Be sure to communicate with the office to tell them any information you found out. If the claim was not filed or processed, per your insurance company, then call the dental office and kindly remind them that you have seen no payment by the insurance company for whatever date of service it was and ask them to please re-submit it for you. Every office is different. Some offices have the policy where the patients are responsible for filing their own insurance. It's not how we work around here, and hopefully it's not for your office either. It's a lot more headache for both the staff and the patient! Hope this helped!!! :) BTW it sounds like someone at that office just didnt want to do their job...hopefully they aren't trying to collect the money on it. The only reason they should MAKE you pay would be if the insurance company sent back an explanation saying that due to frequency limitations or expired coverage, your 6 month visit was not covered. They should have no problem re-filing the claim for you. That's just rude...seeing as how most insurance companies and offices do electronic claims...just the click of a button and they are filed!!
Source
Individual Dental Insurance for NJ?
I've been staring at dental insurance plans all day and finally it makes no sense anymore. I've enrolled in a discount plan but my dentist says I should get insurance for the procedures I'll be needing. I've only found one plan that seems to cover my area. Cost is not that big of an issue as more WHERE TO FIND IT. My job doesn't offer it. I'm an unmarried adult and I just need to purchase insurance (pref PPO) that will be effective as soon as possible.
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You have three options with dental. 1. 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 such as root canals and crowns, 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. 2. 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. 3. 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.
Source
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You have three options with dental. 1. 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 such as root canals and crowns, 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. 2. 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. 3. 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.
Source
why is dental insurance so much more expensive than medical insurance?
just trying to find reasonable dental coverage for myself and family.
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The thing is, insurance companies are in BUSINESS and they want to make a PROFIT. They know exactly how much any given group is going to spend for their dental needs, so they construct a fee schedule for that group and decide how much premium that they will need to charge to pay out those fees for that group and still make money. Dental insurance can be a big loser for the insurance companies, because EVERYONE has dental problems. Not everyone has a heart attack. It is extremely difficult to find dental insurance that is worth buying if you are not getting it as part of a group through employment.
Source
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The thing is, insurance companies are in BUSINESS and they want to make a PROFIT. They know exactly how much any given group is going to spend for their dental needs, so they construct a fee schedule for that group and decide how much premium that they will need to charge to pay out those fees for that group and still make money. Dental insurance can be a big loser for the insurance companies, because EVERYONE has dental problems. Not everyone has a heart attack. It is extremely difficult to find dental insurance that is worth buying if you are not getting it as part of a group through employment.
Source
why is dental insurance so much more expensive than medical insurance?
just trying to find reasonable dental coverage for myself and family.
--------------------
The thing is, insurance companies are in BUSINESS and they want to make a PROFIT. They know exactly how much any given group is going to spend for their dental needs, so they construct a fee schedule for that group and decide how much premium that they will need to charge to pay out those fees for that group and still make money. Dental insurance can be a big loser for the insurance companies, because EVERYONE has dental problems. Not everyone has a heart attack. It is extremely difficult to find dental insurance that is worth buying if you are not getting it as part of a group through employment.
Source
--------------------
The thing is, insurance companies are in BUSINESS and they want to make a PROFIT. They know exactly how much any given group is going to spend for their dental needs, so they construct a fee schedule for that group and decide how much premium that they will need to charge to pay out those fees for that group and still make money. Dental insurance can be a big loser for the insurance companies, because EVERYONE has dental problems. Not everyone has a heart attack. It is extremely difficult to find dental insurance that is worth buying if you are not getting it as part of a group through employment.
Source
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