I am interested in getting my own dental insurance through Delta. Im covered under both my parents. However neither one of theres covers ortho after the age of 18. Im 19 and a full time student. Delta has a individual PPO plan in Cal. It has a prepaid annual premium of $100. There are also NO waiting periods. My question is if I pay the annual premium, what else would I have to pay to receive the ortho coverage? It just seems too good to be true, that I only have to pay a $100 a year and Delta would pay over a thousand dollars towards my braces. Is this true? Please help! Please dont tell me to call. I have and I guess Im just not easily trusting. I dont want to pay the hundred bucks and then have them try to get out of helping me. Then Ill be stuck with THREE standard dental plans.
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I would like to suggest to try to get as much information as you could before making up your mind,here www.HealthInsuranceFree.info/dental.html is a very resourceful one.
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Wednesday, December 29, 2010
Corporate-transferring health/dental insurance into spouses name?
My husband and I have worked at the same corporation for the past 11 years. Our health/dental insurance is in my name since I make slightly more than him. I am thinking of quitting since childcare is becoming unaffordable and it make more sense for me to stay home with our child. My concern is health insurance coverage. How long would it take for the insurance to transfer into my husband's name? I don't want to be without it in case anyone of us becomes sick. It would be hard for me to speak to someone in our Benefits department since a buzz would start with my question and I haven't made any real decisions yet. Any information out there?
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No, you don't have to wait until November. Losing coverage, by you quitting your job, is a "qualifying event" for your husband, and he can change his insurance election. The link below is to the applicable law. Don http://mtnhealthinsurance
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No, you don't have to wait until November. Losing coverage, by you quitting your job, is a "qualifying event" for your husband, and he can change his insurance election. The link below is to the applicable law. Don http://mtnhealthinsurance
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HELP!! Explain my Dental Insurance? w/ details?
Ok so I have an dentist appointment of Thursday for a regular check up, I havent been to the dentist in a couple of years (no more than 3) the dentist I use to go to closed or moved - so i'm going to a new dentist on Thurs. I have only asked for them to do a regular check up to see if I need my wisdom teeth extracted (which I will) and to see if I need any other work done (which I do) but right now the main thing is to remove my wisdom teeth.. so I spoke to the dental assistant and she said they will do X-Rays & etc. due to me being a new patient Anyway just on Thursday according to my employers insurance policy below how much will I be paying that day?? and how much will I pay when I do return to have my wisdom teeth extracted?? what is the $75 deductible fee for? and when do I pay? I am the only person on my dental insurance and like I said I have only asked for a check up on Thursday so that the dentist can tell me what I need to have done.. and hopefully set up an appointment for next week to have the wisdom teeth get removed...... thanks for your help Coverage Type: Type A: Preventive Cleanings, Oral Exams, Fluoride Applications, X-rays, Bitewing X-rays Type B: Basic Restorative Fillings, Extractions, Oral Surgery, Endodontics, Periodontics, Periodontal Maintenance, Sealants, Space Maintainers, Anesthesia, Emergency Palliative treatment, Injections of antibiotic drugs Type C: Major Restorative Consultation, Implantology, Relining and Rebasing, Bridges & dentures, Crowns/Inlays/Onlays, Repairs of dentures, crowns, inlays, and onlays, Prefabricated stainless teel crown. Type D: Orthodonthia So the company pays: In Network: Type A: 100% of Fee Type B: 80% of Fee Type C: 50% of Fee Type D: 50% of fee Deductible applies to type B and C services only. Individual - $75 Family - $225 Annual Maximum Benefit Per Person - $1,000
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According to your description you should not have to pay for the first dentist visit, it would be covered under the type A . Then when you go to the Oral Surgeon (if that is where you go for your wisdom teeth) your deductible will apply there. When you go in for your consultation they will know exactly how much you will have to pay and it should be 20% of the fees plus your $75.00 deductible. That means the insurance will pay the Oral Surgeon $75.00 less than the full 80%. You should not have to pay anything until you go in to actually have your teeth pulled, unless your dentist does anything that is in the type B category (like fillings). But they will tell you before they do anything that will cost you. Hope that helped. And make sure that any dentist that you see is in your network. It is a lot cheaper. I am sure they asked you about your insurance when you made the appointment. Also remember the $1000,00 limit per year. Get the most important things done first and keep tract of how much you still have available, you can call your insurance company to find that out.
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According to your description you should not have to pay for the first dentist visit, it would be covered under the type A . Then when you go to the Oral Surgeon (if that is where you go for your wisdom teeth) your deductible will apply there. When you go in for your consultation they will know exactly how much you will have to pay and it should be 20% of the fees plus your $75.00 deductible. That means the insurance will pay the Oral Surgeon $75.00 less than the full 80%. You should not have to pay anything until you go in to actually have your teeth pulled, unless your dentist does anything that is in the type B category (like fillings). But they will tell you before they do anything that will cost you. Hope that helped. And make sure that any dentist that you see is in your network. It is a lot cheaper. I am sure they asked you about your insurance when you made the appointment. Also remember the $1000,00 limit per year. Get the most important things done first and keep tract of how much you still have available, you can call your insurance company to find that out.
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Need dental work, but I don't have insurance?
I haven't been to the dentist in a few years and now I really need to go. I probably have at least a few cavities and may need some crowns and/or root canals. I don't have any dental insurance so I would like to pay as little as possible while at the same time getting quality care. Can anyone recommend a good dental discount plan or dental insurance plan that I could buy that would take effect immediately? I also need to find a good dentist locally (Austin, TX) - so can anyone recommend a dentist or tell me a good place to look for one online? Thanks.
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you can actually check with your local university, If they have a dental program you can actually save big bucks with opting for this alternative. its the same type of treatment you would get at a regular dental office but the catch is you are being treated by a student. the students are carefully supervised by dentists so rest assured! you wont be some lab rat :o) I would call asap b/c they do have a waiting list and sometimes it will take a couple months before you can go in. You can also check your state dental page they may have recommendations. I found this website http://www.fcresidents.org/index.php?opt… they have offices which offer sliding scale. they base it off your income. these also tend to be pretty booked so if you go that route remember to call asap :o) I too dont have dental insurance and I know how much it sucks to pay full price for dental work.
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you can actually check with your local university, If they have a dental program you can actually save big bucks with opting for this alternative. its the same type of treatment you would get at a regular dental office but the catch is you are being treated by a student. the students are carefully supervised by dentists so rest assured! you wont be some lab rat :o) I would call asap b/c they do have a waiting list and sometimes it will take a couple months before you can go in. You can also check your state dental page they may have recommendations. I found this website http://www.fcresidents.org/index.php?opt… they have offices which offer sliding scale. they base it off your income. these also tend to be pretty booked so if you go that route remember to call asap :o) I too dont have dental insurance and I know how much it sucks to pay full price for dental work.
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His insurance only covers half of the work needed... Can I add him to my dental insurance after the diagnosis?
My fiance just went to the dentist. His dental insurance only cover's half of the cost of the work he needs. If we get married through the court this week, and I am able to add him to my dental insurance, will my insurance cover the other half? Or will they deny it because it has already been diagnosed making it a "pre-existing condition." Anyone have any answers or advice? We're trying to save for our wedding in just a few months, and I'd MUCH rather get married sooner and save the $1000 we'll have to spend to get his dental work done with his insurance alone.
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You can easily check your minimal health care rates in internet, for example here - health-quotes.isgreat.org
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You can easily check your minimal health care rates in internet, for example here - health-quotes.isgreat.org
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does tricare/united concordia insurance dental insurance cover oral surgery and orthodontics?
i am 21 and my husband is joining the army sometime next month. when i was a kid, my dad was a staff sgt (E6) and i was under the impression tricare paid for EVERYTHING. but now i am hearing otherwise. i need a lot of dental work done soon. i have cavities that need to be filled, i have impacted wisdom teeth and i need oral surgery for that, and i need braces (dentist said they are necessary, not cosmetic). will i be able to immediately be on his insurance when he leaves for basic? will the insurance pay for any of my dental needs. i need all this done asap. thanks.
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Sadly the Tricare United Concordia dental insurance doesn't cover everything, you actually do have to pay a pretty big cost share. I signed up about a year ago, if you do it online you have to fill out a lot of info bout your spouse and wait for them to mail you a confirmation after they check your info. I think the cut off was like the 20th of the month, if you sign up on the 21st or later you have to wait until the next month til your coverage can take affect. They might not approve you until he gets out of basic as a graduate (just in case he purposely went and fails just so you could of got that coverage for those 2 months.) My husband is active duty (E6), I had oral surgery done (wisdom theeth removal), United concordia paid 40% ($600), I had to pay 60% ($700). As person said above, they do pay $1500 for braces MAX. Doesn't matter how necessary they are. I got braces put on and its pretty much purely cosmetic, they are paying the $1500, I had to pay the rest ($1900). I heard though that if your over 23 they wont pay any orthodontist treatment, so just make sure you visit an ortho asap to get started before then! Have fun being a military spouse :) It gets hard, but don't worry, there will always be other spouses around to help.
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Sadly the Tricare United Concordia dental insurance doesn't cover everything, you actually do have to pay a pretty big cost share. I signed up about a year ago, if you do it online you have to fill out a lot of info bout your spouse and wait for them to mail you a confirmation after they check your info. I think the cut off was like the 20th of the month, if you sign up on the 21st or later you have to wait until the next month til your coverage can take affect. They might not approve you until he gets out of basic as a graduate (just in case he purposely went and fails just so you could of got that coverage for those 2 months.) My husband is active duty (E6), I had oral surgery done (wisdom theeth removal), United concordia paid 40% ($600), I had to pay 60% ($700). As person said above, they do pay $1500 for braces MAX. Doesn't matter how necessary they are. I got braces put on and its pretty much purely cosmetic, they are paying the $1500, I had to pay the rest ($1900). I heard though that if your over 23 they wont pay any orthodontist treatment, so just make sure you visit an ortho asap to get started before then! Have fun being a military spouse :) It gets hard, but don't worry, there will always be other spouses around to help.
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I don't have dental insurance and need gum tissue graft!?
How safe and common is this procedures? From what l've read,it's scary ...stitches,pain killers, swollen.What are the side effects?What's the best options for me? I had the assumptions that dentists that participate in insurance plans/dental groups are not going to be very decent. They charge at a discounted prices, why would a good doctor charge less. What about groups like Western Dental? Are they dependable? How are the dentists going to treat me if they find out l don't have insurance? Dental school is out of the question, the closest one is 6 hour drive.
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I was going to mention dental school until I saw your last sentence. I had 5 gum tissue grafts done at a dental school for $300 each. I had dental insurance, but I'm a healthcare teaching assistant and I enjoy having students practice on me. In the gingival graft procedure, tissue is excised from the roof of your mouth and stitched onto your gums. My thoughts on my 5 procedures: 1. Even after the "numbing shots", the excision of tissue from the roof of the mouth burns a little during the procedure. 2. The "numbing shots" themselves, of course, hurt. 3. The grafts feel bulky. You must fight the urge to stick your finger in there and clear all that bulky junk out. 4. The gums around the donor site must be flayed raw so they will accept the tissue. 5. My grafts were done one at a time. 6. One of my grafts failed. A student broke off a stitch in my gums and had to dig it out, causing swelling and lack of circulation to the graft area. 7. Painkillers are your friend. There is much pain for about 24 hours afterward. 8. Depending on the cause of your gum recession, the grafts may need to be redone after a period of about 10 years. If the original cause (i.e., crowded teeth, bad hygiene) isn't resolved, the gums may simply recede again. One source for your questions about which dentists to choose and what prices may be is the American Dental Association http://www.ada.org/public/index.asp. This may save your having to call dentists to find out their prices and whether they will even accept a noninsured patient without payment in advance. Yes, dentists who participate in insurance plans/dental groups have discounted prices. They even have to "write off" some of their charges. Some insurance companies say, "We will only pay (this amount) for (this procedure)" and the dentist simply has to accept that amount. I have always had dental insurance and have never had bad care from any dentist. Please try contacting the American Dental Association.
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I was going to mention dental school until I saw your last sentence. I had 5 gum tissue grafts done at a dental school for $300 each. I had dental insurance, but I'm a healthcare teaching assistant and I enjoy having students practice on me. In the gingival graft procedure, tissue is excised from the roof of your mouth and stitched onto your gums. My thoughts on my 5 procedures: 1. Even after the "numbing shots", the excision of tissue from the roof of the mouth burns a little during the procedure. 2. The "numbing shots" themselves, of course, hurt. 3. The grafts feel bulky. You must fight the urge to stick your finger in there and clear all that bulky junk out. 4. The gums around the donor site must be flayed raw so they will accept the tissue. 5. My grafts were done one at a time. 6. One of my grafts failed. A student broke off a stitch in my gums and had to dig it out, causing swelling and lack of circulation to the graft area. 7. Painkillers are your friend. There is much pain for about 24 hours afterward. 8. Depending on the cause of your gum recession, the grafts may need to be redone after a period of about 10 years. If the original cause (i.e., crowded teeth, bad hygiene) isn't resolved, the gums may simply recede again. One source for your questions about which dentists to choose and what prices may be is the American Dental Association http://www.ada.org/public/index.asp. This may save your having to call dentists to find out their prices and whether they will even accept a noninsured patient without payment in advance. Yes, dentists who participate in insurance plans/dental groups have discounted prices. They even have to "write off" some of their charges. Some insurance companies say, "We will only pay (this amount) for (this procedure)" and the dentist simply has to accept that amount. I have always had dental insurance and have never had bad care from any dentist. Please try contacting the American Dental Association.
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