I'm hoping someone out there can help me. I have dental insurance through my employer, however I have a lot of dental problems I need to get fixed. I'm interested in purchasing additional dental insurance but don't know where to go now. I've researched on the internet and heard about Dental Discount Plans, but I don't think these will work b/c I already have primary coverage. Does anyone have any additional information on this topic that would help? I'm looking for assistance on the expenses that my primary insurance does not cover. Thanks!!!
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Phone a broker to tailor a package for you
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Thursday, December 23, 2010
Exactly how does Dental insurance coverage work? Never had insurance before. Had medicaid, no insurance though?
I work at Wal-Mart and recently enrolled in their Dental Insurance. It doesn't kick in until January, so until then, I'm uninsured. Anyways, I get paid Bi-weekly and every pay check they take out $6.20 for the insurance, which isn't too bad at all. Anyways, I had Medicaid up until I was 18, then of course it was discontinued. How does dental insurance work? I know for certain things, it says you have to meet your annual deductible before coverage kicks in. What is that? On my handbook, it says the annual deductible is $50 for associates. So what if I have to have teeth filled or anything and the bill is like $800, what would my portion be? Also, with insurance, is it like a discount plan where you would have to pay your portion BEFORE the work is done or how does that all work?
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Typically most dental plans work as follows: If there is a deductible, you must pay that amount once a year before the plan will pay a part of the remaining charges. The plan usually has a maximum per year that it will pay towards your dental care. Usually that is between $2,000-$4,000 per year depending on the plan. Usually the plan will cover a certain percentage of your normal dental care (cleaning, fillings, etc.). That percentage is usually about 70%-80% of the cost. Usually plan will cover a smaller percentage of orthodontic or crowns (typically 50%). Usually the dentist will directly bill the insurance company for their share. Example: Plan has a $50 deductible, pays a maximum of $2,000 per year, pays 80% of normal dental work, and pays 50% for crowns. You have the following bill for work done at the dentist over a period of several days. Exam: $40 Cleaning: $100 Filling: $300 Crown $900 Deductible: $50 Plan pays 80% of $390 or $312 Plan pays 50% of $900 or $450 Plan pays a total of $762 Your cost to the dentist is $578 ($50 + $78 + $450) Plan will pay up to $1238 more towards your dental treatment during the rest of the year. The dentist may bill you before you leave his office after each visit or may bill you later. If you can't afford to pay your share when you receive the bill, you should find a dentist that will accept payments. If you have normal work (cleaning, fillings, etc.), the amount you pay will be relatively small but when crowns are down, you generally pay quite a bit. Some plans also pay 100% for the exam and cleaning.
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Typically most dental plans work as follows: If there is a deductible, you must pay that amount once a year before the plan will pay a part of the remaining charges. The plan usually has a maximum per year that it will pay towards your dental care. Usually that is between $2,000-$4,000 per year depending on the plan. Usually the plan will cover a certain percentage of your normal dental care (cleaning, fillings, etc.). That percentage is usually about 70%-80% of the cost. Usually plan will cover a smaller percentage of orthodontic or crowns (typically 50%). Usually the dentist will directly bill the insurance company for their share. Example: Plan has a $50 deductible, pays a maximum of $2,000 per year, pays 80% of normal dental work, and pays 50% for crowns. You have the following bill for work done at the dentist over a period of several days. Exam: $40 Cleaning: $100 Filling: $300 Crown $900 Deductible: $50 Plan pays 80% of $390 or $312 Plan pays 50% of $900 or $450 Plan pays a total of $762 Your cost to the dentist is $578 ($50 + $78 + $450) Plan will pay up to $1238 more towards your dental treatment during the rest of the year. The dentist may bill you before you leave his office after each visit or may bill you later. If you can't afford to pay your share when you receive the bill, you should find a dentist that will accept payments. If you have normal work (cleaning, fillings, etc.), the amount you pay will be relatively small but when crowns are down, you generally pay quite a bit. Some plans also pay 100% for the exam and cleaning.
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In regards to dental/vision insurance, do they have pre-existing condition clauses? Is it worth it?
I am thinking about getting dental/vision insurance (I'm working a temp job right now) but I'm not sure if it's worth it for a few months until I find full-time employment (with all the benefit goodies). Do they also look at gaps in insurance (I haven't had dental insurance in almost a year; long story) or pre-existing conditions like health insurance does? I haven't visited my dentist in a year and I have mulled over the low-cost/no cost clinics vs. getting dental insurance and paying insane amounts of money just for some guy to irrigate the quadrants of my mouth. Anyone have any information on this?
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Take care of your teeth, anyway you can - wait and suffer the consequences! No, Insurance companies do not refuse or penalize people for preexisting conditions - that would be nuts. Start with a teeth cleaning appointment, and pretend to be shocked, yes shocked that your teeth are in such a deplorable condition, and require work.
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Take care of your teeth, anyway you can - wait and suffer the consequences! No, Insurance companies do not refuse or penalize people for preexisting conditions - that would be nuts. Start with a teeth cleaning appointment, and pretend to be shocked, yes shocked that your teeth are in such a deplorable condition, and require work.
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No Health & Dental Insurance?
Hi, I am a 21 yr male living in TX (Houston area). I live alone, apart from my parents, I work part time and go to school part time. I'm basically a poor struggling college student. Anyways, I know I need some dental work and also it would be nice to have health insurance. I was on medicaid but and went to like a poor peoples clinic where they offered limited dental and medical services but they wont do root canals and crowns, which im pretty sure i need one. My work only offers insurance to full time employees and i hear its really not that good. What in the world can i do??? I'm broke as it is and dont have alot of money for expensive plans but im willing to take out loans. What do poor people like myself do when the need dental work and dont have insurance?
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here's free help: Free or low cost dental care United States http://www.nidcr.nih.gov List of dental providers who provide care to people living with HIV, organ donor cards, etc. (hint: get a donor card!) http://www.ask.hrsa.gov/ more government resources at: http://www.simplyinsurancequotes.com/lin… these are quick and about $80 per year: http://www.simplyinsurancequotes.com/den…
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here's free help: Free or low cost dental care United States http://www.nidcr.nih.gov List of dental providers who provide care to people living with HIV, organ donor cards, etc. (hint: get a donor card!) http://www.ask.hrsa.gov/ more government resources at: http://www.simplyinsurancequotes.com/lin… these are quick and about $80 per year: http://www.simplyinsurancequotes.com/den…
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Can I have 2 dental insurance with the same insurance provider?
Hi, I'm currently under my wife's dental insurance plan since her company pays 100%. I went to the dentist last week and my doctor told me that I have to replace my super old crowns and the total cost will be approximately $3,800. So I have to pay almost $2,000 out of my own pocket since my insurance will only pay the first $2,000. However, my co-worker told me that if I have another dental insurance policy through my own company then my extra insurance will cover the rest of the cost. Both my wife's company and my company have Metlife dental insurance plan. Has anyone tried such thing? Or is there some sort of restriction to do such thing depending on the companies? Thanks in advance.
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Yes you can. Both insurances will pay on the same procedure up to the allowable amount. For example, a filling costs $100. Insurance #1 (Primary - yours) may pay 80% ($80). Insurance #2 (Secondary - Wife's) may pay 80% too but would only pay AFTER primary has paid and will pay the remaining $20. You will probably have deductables for both and will have to pay both. Another thing to consider is that getting a new insurance may have a waiting period for major work such as crowns for a year or so. It may not pay anything.
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Yes you can. Both insurances will pay on the same procedure up to the allowable amount. For example, a filling costs $100. Insurance #1 (Primary - yours) may pay 80% ($80). Insurance #2 (Secondary - Wife's) may pay 80% too but would only pay AFTER primary has paid and will pay the remaining $20. You will probably have deductables for both and will have to pay both. Another thing to consider is that getting a new insurance may have a waiting period for major work such as crowns for a year or so. It may not pay anything.
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How much are dental crowns in the midwest after insurance coverage of 60%?
I need to have 3 crowns made for 2 molars and 1 bi molar. My insurance is covering 60% of each crown. I had 3 root canals totally around $500 after 80% insurance coverage, done by a endodontist. I gave my dentist $180 when I had the perm filling put in and will be giving him $540 when i am fitted for the crown. He had to insert a post into the molar. Is this about the correct costs after the 60% insurance coverage? This is only for 1 crown and Ill have 2 more to cover. I have yet to see any insurance claims on the insurance company website for the dentist but saw them for the endodotist.
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700 for the root canal and around 350 for the crown. I have had several and this seems to be my average out of pocket expense with 60% coverage. It sucks but it's better than the toothless option. Even people with dentures have to have alot of care so take care of what you have for as long as you can whatever the cost. Once you catch up with the other teeth you will be happy. I know I am. Nothing worse than a real painful toothache or the smell of a rotten tooth. Get er done.
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700 for the root canal and around 350 for the crown. I have had several and this seems to be my average out of pocket expense with 60% coverage. It sucks but it's better than the toothless option. Even people with dentures have to have alot of care so take care of what you have for as long as you can whatever the cost. Once you catch up with the other teeth you will be happy. I know I am. Nothing worse than a real painful toothache or the smell of a rotten tooth. Get er done.
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Dental insurance in florida help?
Im 18 and live in florida and am very low on money.. I actually have no money right now, starting school and work soon. However I seem to be having several problems with my teeth that is scaring me, and i do not want to wait any longer, i need help what can I do? Any suggestions, florida welfare? help!
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Check to see if your school offers dental/medical benefits to their students.... There's got to be a dentist in the area that treats the students that go to your school... ask around. He probably gives some kind of a discount plan, or reduced rate, for local students... Good luck~
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Check to see if your school offers dental/medical benefits to their students.... There's got to be a dentist in the area that treats the students that go to your school... ask around. He probably gives some kind of a discount plan, or reduced rate, for local students... Good luck~
Source
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