I had dental insurance and a few weeks before my wedding last year i went to the dentist and was diganosed with begginging signs of paradontal disease, and that was a year ago, also i had like 4-5 cavaties and needed a deep cleaning thing, however by thte time the insurance took care of it, i was married and lost my insruance, and no idk what to do. I have no dental insurance and my teeth hurt, and i can't afford to go to the dental schools, i know about the dental discount plans but those really arn't that cheap. Are there any places i could apply for something like carecredit, they wont approve me and my husband on 22,000 a year, i really need help =(
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I know of a great dental plan that is cheap and has no waiting periods. Most insurance companies make you wait 6 months before they cover major stuff, but this one does not. Plus you can see any dentist. It is a comprehensive dental plan, not a discount plan. We had applied for care credit in the past and were only approved for 500 bucks, but you could see about getting a co-signer on the app that might up your credit limit. If you wanna check out the dental plan, its www.BestForLessDental.com and you can apply right on line. Good luck to you. I know the agony of sore teeth!
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Saturday, December 25, 2010
I have two dental insurance plans. Why do I still have to pay a lot for the procedures that I did?
I have dual dental insurance. One is under myself and the other one is through my spouse. I just did some fillings and deep cleaning with my dentist. Both insurance companies covers 80% for those procedures. The dentist is in the network of my primary insurance which is under myself, but not in the network of my secondary insurance. For example, my dentist charges me 200 for a filling. Since it is in the network of my primary insurance, they only allow him to charge 100 for the filling, and the insurance company paid 80 for it, leaving 20 to my responsibility. Then the dentist charge the secondary insurance 200 again. The secondary insurance covers 80%, with the coordination from the primary insurance, they paid (200 * 0.8 - 80) = 80. Now my dentist says that I still own them (200 - 80 - 80) = 40. Is this right? It sounds like if I end up paying more with dual insurance than with single insurance.
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health-quotes.isgreat.org - my family have this health insurance. It is affordable and has good coverage for dental issues.
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health-quotes.isgreat.org - my family have this health insurance. It is affordable and has good coverage for dental issues.
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dental insurance vs dental plans?
I have to go to the dentist and possibly have some work done on my teeth. I want to get some sort of insurance or a dental plan to help me pay because i know its going to cost a arm and a leg. So does anyone know anything about dental plans? from what i read they are a lot better than insurance? and they seem cheaper too? but this seems too good to be true! so does anyone have one or know anything about them? i was told to go here.. http://www.dpbrokers.com/default.aspx?locationid=20349 i dont get what the difference is between discount plans and fee for service discount plans? how will i know which one im getting? and making sure im not being ripped off??
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You need to be cautious about any dental plan. You will want to contact some of the dentist on the list to make sure they are taking the plan. If no list is provided consider it a scam. Discount plans just give you a discount on the normal fee that a dentist will charge. There is no control over what the discount is. Very few dentist will actually accept a discount plan. A fee-for-service discount plan has a schedule of fees that a participating dentist can charge, so you know before going in how much the charge will be, similar to the co-pay on your health insurance. These plans also publish this schedule so you will know what to expect before purchasing the plan. With both plans no waiting period applies. Not so with regular dental insurance. With insurance there will be a waiting period before some procedures are covered. A typical plan will have a 6 month waiting period for basic services such as a filling to 18 months for major services such as a root canal. They also have a deductible and co-insurance that you will need to pay.
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You need to be cautious about any dental plan. You will want to contact some of the dentist on the list to make sure they are taking the plan. If no list is provided consider it a scam. Discount plans just give you a discount on the normal fee that a dentist will charge. There is no control over what the discount is. Very few dentist will actually accept a discount plan. A fee-for-service discount plan has a schedule of fees that a participating dentist can charge, so you know before going in how much the charge will be, similar to the co-pay on your health insurance. These plans also publish this schedule so you will know what to expect before purchasing the plan. With both plans no waiting period applies. Not so with regular dental insurance. With insurance there will be a waiting period before some procedures are covered. A typical plan will have a 6 month waiting period for basic services such as a filling to 18 months for major services such as a root canal. They also have a deductible and co-insurance that you will need to pay.
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Veneers covered by dental insurance?
I would like to know if veneers could be covered fully under dental insurance. I know veneers are usually not covered as they are primarily cosmetic, but because I am young and do not want to lose the tooth structure by getting porcelain crowns [root canals are done on teeth before getting crowns] I would really like to get veneers instead. I would have to have them maintained every decade or so, and because I'm only 18, I'm afraid to get crowns as they are MUCH harder to replace. I have a genetic condition called Amelogenesis Imperfecta. I have had composite veneer on my teeth to give them enough surface area for orthodontic brackets, and I have had braces for a year and a half. My ortho brought up two teeth that never came in and has moved my teeth in proper placement for the veneers to now be done. I always assumed, even though it's genetic and is not my fault, that my dental reconstruction would be at my expense. I don't have dental insurance right now, so I'm also curious if I could even get it now, being in the middle of my treatment of a genetic condition. Wouldn't that be like a cancer patient applying for health insurance after they are diagnosed with cancer? Or is dental insurance different?
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possess as much information as you could maybe is one of the options,however it is quite time consuming,here www.HealthInsuranceIdeas.info is the resource i have ever had good experience.
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possess as much information as you could maybe is one of the options,however it is quite time consuming,here www.HealthInsuranceIdeas.info is the resource i have ever had good experience.
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Dental insurance - what does it mean if they don't work with yours but will "file it" for you?
My daughter needs to have 4 baby teeth extracted asap so she can get braces. The dental office says they don't "work with" our insurance but will file it for us. What exactly does that mean? Does it just mean that they don't already have an arrangement with our company to set prices for certain services, so for example, if they charge $300 for the work, but our insurance company only approves $250 then we'd just pay the additional $50? What is the best way to find out upfront how much it will cost us out of pocket and would it be better just to go to a dentist that accepts the insurance directly? This isn't our normal dentist, but it is a pediatric dentist right next door to the orthodontist, so we thought it would be easier to go here for this one procedure.
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It means one of two things. Either they are not a network provider for your dental insurance, meaning you will have higher out of pocket expenses, or their computer system isn't set up for direct billing, but they will manually file it for you. You should have asked for clarification. You can probably access a list of approved providers for your dental plan on your plan's website. Another hint..if your insurance is like ours, you might get a better reimbursement to have the teeth extracted by an oral surgeon and claim it on medical rather than dental. That's an option you may wish to discuss with your medical insurance provider.
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It means one of two things. Either they are not a network provider for your dental insurance, meaning you will have higher out of pocket expenses, or their computer system isn't set up for direct billing, but they will manually file it for you. You should have asked for clarification. You can probably access a list of approved providers for your dental plan on your plan's website. Another hint..if your insurance is like ours, you might get a better reimbursement to have the teeth extracted by an oral surgeon and claim it on medical rather than dental. That's an option you may wish to discuss with your medical insurance provider.
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Individual PPO Dental Insurance with No Waiting Period?
Does anyone know any individual dental insurance with a PPO plan and has NO waiting period? I live in the state of California. I've already tried Blue Shield and they have a 6-12 month waiting period for the PPO plan. And I've already try tons of other dental insurance (Metlife, Safeguard, etc) and they all have HMO plans or doesn't provide individual dental insurnace.
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Nobody has an individual PPO Dental Insurance plan without a waiting period. It would be impossible for a company to have -- otherwise you could buy it, have a root canal done, and then cancel it. If any company did that then they wouldn't be in business very long at all...either that or the premiums would run $500/month. Just buy an insurance plan and in time it won't have waiting periods (they'll be satisfied). Claims made during the waiting period would at least give you the network discounts for the procedures much like the discount plans do. Eventually you'll have full coverage. Ameritas dental insurance is the biggest seller on my site. Hopefully that'll at least save you some time looking for that which does not exist.
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Nobody has an individual PPO Dental Insurance plan without a waiting period. It would be impossible for a company to have -- otherwise you could buy it, have a root canal done, and then cancel it. If any company did that then they wouldn't be in business very long at all...either that or the premiums would run $500/month. Just buy an insurance plan and in time it won't have waiting periods (they'll be satisfied). Claims made during the waiting period would at least give you the network discounts for the procedures much like the discount plans do. Eventually you'll have full coverage. Ameritas dental insurance is the biggest seller on my site. Hopefully that'll at least save you some time looking for that which does not exist.
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dental insurance claim?
I dont have dental insurance, but i recently got some work done that costs 1500 because I didnt have the money right away, they set up a payment plan through wellsfargo/CARE. its for a cleaning and my wisdom teeth being taken out and cavities. So if i apply to an insurance company like blue cross, would they cover the 1500? I only want to get insurance to pay for the work that was done 3 weeks ago, then cancel it because my dentist only charges 40 bucks for xray and cleaning so I really have no use for it except for the 1500.
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Sorry, it looks as though the $1500 is going to be coming out of YOUR pocket since you weren't actually covered by the insurance company at the time. Bear in mind, too, that many insurance companies require you to pay into them for at least a few months before they will pay out.
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Sorry, it looks as though the $1500 is going to be coming out of YOUR pocket since you weren't actually covered by the insurance company at the time. Bear in mind, too, that many insurance companies require you to pay into them for at least a few months before they will pay out.
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