Thursday, December 23, 2010

Insurance for dental work I've had consultations for?

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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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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Individual dental insurance?

I'm 22 years old and I'm looking for dental insurance. I've called a few places that I could find that offer dental insurance and either I do not qualify because of my age or dental insurance isn't available for my state. I'm in the State of NY. I called AARP--- they only deal with senior citizens. I called Delta Dental and they don't serve NY. I called MVPHealthCare.com, I forgot their reason but I think it was the same as Excellus reason (they don't offer it individually, I must go through an employer). I can't go through an employer cause I'm self-employed. I turned to EHealthCare.com but I have a feeling they are a scam. They claim to be a broker for several comapnies. When I run a quick quote on their site, it comes up with "Bay Dental" as the insurer, but they HAVE NO INFORMATION about bay dental to give me. I wanted to research the insurer first but I couldn't cause they didn't give me any info about them. ehealthinsurance.com gave me dentemax.com and claim they are something to do with bay dental, then they told me bay dental is underwritten by a comapny called "Standard Security Life" and i can't find any company by that name. The only one I found was Standard Security Life of NY but they are a completely different company. There is a company called bay dental but it's in california and they are a dentist office. So, i'm completely lost. I'm eligible for bay dental pan thruogh ehealthinsurance.com but i'm scared to sign up because i don't know if bay dental plan is a true company or if ehealthinsurance.com is a complete scam. The weird thing is this. Ehealthinsurance.com said that I must pay them in full with a credit card for their bay dental plan or they can deduct it each month but i have to give them a bank account. They won't charge my credit card monthly for the plan. Instead they want my bank account # to charge it monthly. They will only use my credit card if i want to pay it in full. DO YOU KNOW anyone who offers dental insurance for the state of NY? I"m not looking for a dental plan where I'm limited to the company's dentist office. I have my own dentist I go to and i want some type of insurance to go to my dentist of choice.
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Private dental insurance (as opposed to employer dental insurance) is extremely expensive and usually does not make any sense to buy. But, there are affordable dental discount plans. I am self-employed and I have saved thousands in dollars in dental costs over the years by using a discount dental plan. The plan that I selected is the GE Dental Plan, but I don't know if it is available in your state. There are many good plans to choose from. These plans have a low yearly premium, and offer major discounts at participating dentists. See http://www.lowpriceddentalplans.com to see which discount plans are available for your zip code.
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Can you afford medical/dental insurance?? If no why do people on welfare get it for free?

We are all paying for them
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You pay pennies to support medical benefits for poor people and denying them coverage is not the answer. But your point is a good one--everyone should have basic health care coverage. I assume you will be supporting Obama's efforts to pass universal health care.
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Dental insurance supplement/gap providers?

My husband is active duty military and we received dental as part of our insurance coverage. While the regular visits for cleanins are completely covered, everything else is paid on a split cost (at my husband's rank, our share averages out to about 50%), plus we are responsible for the difference in what the insurance says is the allowed fee and the actual fee. We also have a yearly cap of $1500 per family member, and this include things like braces, extractions, etc. While we are fortunate to have any coverage, we are struggling to pay our share of the fees (example..out of $5000 in braces for oldest, military only paid $1500 as that is the yearly cap). Does anyone know of any supplementary dental plans?? I'd appreciate any suggestions (I only work PT and am a student).
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Unfourtuantely, this is what most dental ins. providers cover. $1500 yearly max is actually pretty good. Plus a lot of insurance don't cover orthodontic work, so it's really not that bad. I find that most people have this problem, thinking their insurance actually covers more. If you have any questions please feel free to contact me. I know tons about dental ins.
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Which dental insurance do you have & do you like it?

?
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I have ameriplan. The more I use it the more i like it. They have a lot of providers. and it really reasonable. You will need your smile a long time. investing in it is always a good choice and worth the investment. a good alternative for payment insured or not is a quality dental discount plan. there are many out there. the best is ameriplan. on most procedures you will save 30-80%. on braces you will save 25% or more. you can find it at myameriplan.com
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Low cost texas child health/dental/vision insurance?

Where can I find low cost health/dental/vision insurance for kids in Texas.
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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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