I really dont want to pay an arm and a leg for the work, it costs so much, and I dont quatilfy for medical. What can I do?
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Look up a dental college and give them a call or walk in. We use to sit there all day if they said there was no space. Sometimes someone cancels. I've had several things done at very low cost. Another option is to get a dental credit card. It's long term at low interest. Or ask if you dentist offers payment plans. If you are a student, ask if they offer any discounts. My sister asked and they offered 10% off the bill, she just had to provide proof. Glad she asked. =) Also look to see if they offer plans. Places like western dental. Or ask about dental plans from medical insurance companies (kaiser, blue cross, delta dental, etc.) I have Blue Cross and it costs $18 a month but some are cheaper. Good luck!
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Saturday, December 25, 2010
How can you get dental insurance when you can't afford dental insurance?
My husband and I have health coverage, but it doesn't include dental insurance. So we have to pay our dental bills out of pocket. That was okay until I started needed expensive procedures, like root canals and crowns. Last year we paid for a root canal ($1000) and this year we paid for a root canal ($1100) and both of those teeth still need crowns (which will cost $1000 apiece). Since we were still paying the bills on my root canals I put off having the crowns done until those bills were clear. Now today my tooth broke so I'm going to have to have that crown done. Is there ANY way to escape this? I feel like I'll lose my teeth just because I'm not lucky enough to be rich. Do you know of any kind of affordable dental insurance that will take care of procedures like root canals or crowns or oral surgery? (My dentist wants me to have THAT done too for an impacted wisdom tooth.) I want a healthy mouth. But I can't afford it. Is there anyone that helps people like me? Thank you. Nita
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I work for Ameriplan, a health benefits company. We offer dental care for the price of just $14.95 per month for individual or $19.95 per month for your entire household. You may choose the dentist of your choice in the AmeriPlan network and save 25% to 80% savings on dental procedures performed by a Program dentist. You can read more about it here: www.mybenefitsplus.com/areed If you are intrested call me at: 903-692-9854 or send me an email at: AReed@ameriplan.net
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I work for Ameriplan, a health benefits company. We offer dental care for the price of just $14.95 per month for individual or $19.95 per month for your entire household. You may choose the dentist of your choice in the AmeriPlan network and save 25% to 80% savings on dental procedures performed by a Program dentist. You can read more about it here: www.mybenefitsplus.com/areed If you are intrested call me at: 903-692-9854 or send me an email at: AReed@ameriplan.net
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Tricare Dental Insurance---need wisdom teeth out asap!?
First of all, I am not a service member, I am a dependent, so please don't tell me to go to Dentac.I know this is all my fault for waiting until something was wrong to start doing something to fix the problem, but oh well. Ok, so my two wisdom teeth NEED to come out asap. They are hurting my jaw, pushing into my back molars and one of them is grey(I suppose it is dead/decaying). Problem is, I did not enroll in the tricare dental program until two days ago. Their information packet said that if I applied after the 20th of the month, that my coverage wouldn't be effective until the first of the SECOND month. So since I applied on the 24th of July, I apparently won't be covered until September 1st.... well that's a BIG problem. I need them out NOW. I tried calling the ER to ask if they would do it under my medical insurance and they said they absolutely do not pull teeth like that. Ugh. Also, the family dentist here on post does not pull teeth period. Now how the hell a I supposed to get them taken out? I called Military One Source, and they seem to think my coverage is immediate... but I doubt that. At this point I don't even care if I have to pay out of pocket and set up a payment plan,,, I just want the gone. How do I do this? Do I still have to go through the dentist here on post and have them refer me? Or can I just call up a civilian dentist and just tell them I don't have dental insurance yet and would like to have it done with a payment plan?
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Http://www.tricaredentalprogram.com to find a dentist near you that accepts United Concordia. You will still have to pay out of pocket the only thing free with it is 2 cleanings a year. Depending on your area it could be up to $700 that you need to pay or more if your coverage hasn't started. They can make a claim to them but no guarantees. You do not need a referral
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Http://www.tricaredentalprogram.com to find a dentist near you that accepts United Concordia. You will still have to pay out of pocket the only thing free with it is 2 cleanings a year. Depending on your area it could be up to $700 that you need to pay or more if your coverage hasn't started. They can make a claim to them but no guarantees. You do not need a referral
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Dental insurance? is it worth it..I dont really understand how it works?
I know you pay a monthly fee..so if i got insured could i then straight away go to a private dentist and have work done and the cost be covered (with me paying monthly?)
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If you need ANY dental work done then yes dental insurance is absolutely worth it. Anything a dentist does is gonna cost quit a bit and your insurance will cover a percentage of that cost, usually 50-80%, depending what it is and how good your insurance is. It should also cover two cleanings a year at no cost to you.
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If you need ANY dental work done then yes dental insurance is absolutely worth it. Anything a dentist does is gonna cost quit a bit and your insurance will cover a percentage of that cost, usually 50-80%, depending what it is and how good your insurance is. It should also cover two cleanings a year at no cost to you.
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Need dental work done, no insurance or plan.?
Dental Plan or Insurance out of pocket? Hi, I don't receive dental insurance or a plan from my work. I need dental work done. I've not been to a dentist in 7 years. I've got tooth decay on one of my two front teeth, at only 21 years old. It's killer with my social skills, and I'm always conscious of the decay, and try to not smile. I know, embarrassing right. Anyways. How should someone that doesn't have insurance go about getting dental work done? I need to see a dentist, and have my front tooth repaired before it continues to eat, and I've no longer a front tooth. Possible veneer or two. I'm in Oregon btw. I know I'll be billed, and I'm cool with making payments, as long as my teeth are fixed, and I no longer have this decay. Thanks for your time.
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I would strongly encourage you to visit this great site: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago and they have saved me thousands since on all dental services. Xrays, exams, cleanings, fillings...etc. They even had my very affordable plan active in 2 hours and was able to use it the very same day. There are no limitation on the times you need to use it. Then try to work out a payment plan with the dentist. Good luck and hope this helps.
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I would strongly encourage you to visit this great site: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago and they have saved me thousands since on all dental services. Xrays, exams, cleanings, fillings...etc. They even had my very affordable plan active in 2 hours and was able to use it the very same day. There are no limitation on the times you need to use it. Then try to work out a payment plan with the dentist. Good luck and hope this helps.
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Need help to choose dental insurance.....please read ?
I am working as contractor and don't have insurance. I just purchase insurance through Mega Insurance http://www.megainsurance.com/ They have the dental plan that cost about $40/mt for family, but look like i have to pay out arm/leg at the time of service. My kids (11 and 6) need to have some work done (cavities and crown). What Health and Dental insurance is best for private contractor like me? Any dental insurance that is good so that I can sign up to have my kids dental work done? thanks so much.
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Your first mistake was the Mega policy. Mega is a hospital certificate, not a comprehensive major medical. Here is a comparison of Mega to the other plans available. After reading this you should visit a local agent that works with all the major companies in your area. Mega deductible is per confinement, which means if you go into the hospital 3 times in one year you have 3 deductibles to meet. Most plans' deductible is per year. Lifetime maximum for Mega is $1 Million. Major medical plans are $2 to $8 Million. Mega has an annual maximum per illness of $500,000. Most Major medical have NO annual maximums. Depending upon the policy, Mega will only pay UP to $500 per day if you are admitted to the hospital. Average daily hospital cost - $3000, Average stay – Three days. For the average hospital stay MEGA will pay up to $1500, you will pay $7500. Depending upon the policy, Mega will only pay UP to $1500 per day if you are in ICU. Average cost - $8000, Average stay – Two days. For the average ICU stay MEGA will pay up to $3000, you will pay $13,000. Since most people (unless they're dead) have a hospital stay after the ICU stay you can add in the figures from the previous paragraph. Doctor visits while you are in the hospital is limited to $50 per visit and limited to ONE visit per day. Average cost - $120, Average number of daily visits – TWO. For the average 3 day hospital stay MEGA will pay $150, you will pay $570. Ambulance transport is limited to $250 per trip and payable only if you are admitted to the hospital for over 24 hours. If you are transported to the ER and not admitted - no benefits. The average cost for ambulance - $1000. For the ambulance (if you are admitted to the hospital) MEGA will pay $250, you will pay $750. For the ambulance (if you are NOT admitted to the hospital) MEGA will pay $0, you will pay $1000. Air ambulance is not covered unless additional rider purchased. Maximum benefits with Mega are $3500. Average cost - $12,000. Your bill - $8500. Many other limitations for: miscellaneous hospital inpatient charges, inpatient and outpatient surgery, routine physicals, anesthesiologist and more. Plus you have to pay the expensive yearly dues. Here is some information about Mega: http://law.freeadvice.com/insurance_law/… For dental insurance you can check this link. I'm an insurance agent and my personal plan is the fee for service plan 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.
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Your first mistake was the Mega policy. Mega is a hospital certificate, not a comprehensive major medical. Here is a comparison of Mega to the other plans available. After reading this you should visit a local agent that works with all the major companies in your area. Mega deductible is per confinement, which means if you go into the hospital 3 times in one year you have 3 deductibles to meet. Most plans' deductible is per year. Lifetime maximum for Mega is $1 Million. Major medical plans are $2 to $8 Million. Mega has an annual maximum per illness of $500,000. Most Major medical have NO annual maximums. Depending upon the policy, Mega will only pay UP to $500 per day if you are admitted to the hospital. Average daily hospital cost - $3000, Average stay – Three days. For the average hospital stay MEGA will pay up to $1500, you will pay $7500. Depending upon the policy, Mega will only pay UP to $1500 per day if you are in ICU. Average cost - $8000, Average stay – Two days. For the average ICU stay MEGA will pay up to $3000, you will pay $13,000. Since most people (unless they're dead) have a hospital stay after the ICU stay you can add in the figures from the previous paragraph. Doctor visits while you are in the hospital is limited to $50 per visit and limited to ONE visit per day. Average cost - $120, Average number of daily visits – TWO. For the average 3 day hospital stay MEGA will pay $150, you will pay $570. Ambulance transport is limited to $250 per trip and payable only if you are admitted to the hospital for over 24 hours. If you are transported to the ER and not admitted - no benefits. The average cost for ambulance - $1000. For the ambulance (if you are admitted to the hospital) MEGA will pay $250, you will pay $750. For the ambulance (if you are NOT admitted to the hospital) MEGA will pay $0, you will pay $1000. Air ambulance is not covered unless additional rider purchased. Maximum benefits with Mega are $3500. Average cost - $12,000. Your bill - $8500. Many other limitations for: miscellaneous hospital inpatient charges, inpatient and outpatient surgery, routine physicals, anesthesiologist and more. Plus you have to pay the expensive yearly dues. Here is some information about Mega: http://law.freeadvice.com/insurance_law/… For dental insurance you can check this link. I'm an insurance agent and my personal plan is the fee for service plan 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.
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Are there any good dental plans out there for people without insurance?
My job unfortunately doesn't offer any and my live in bf just got a new job which offers benefits for their employees domestic partner. But we're not sure if that includes me. What exactly is a domestic partner?
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Call your county health department. They should have a list of dentists who work with low income people. Some dental schools have students who do the work while in training.
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Call your county health department. They should have a list of dentists who work with low income people. Some dental schools have students who do the work while in training.
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