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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Monday, December 27, 2010
dental insurance and plans?
i live near houghton lake michigan, and i need to see a dentist badly!! i lost my dental coverage when i turned 21, and because of my age change, i am no longer able to get free dental coverage through my state. i have 3 children all under the age of 4 that need me, and because of the pain im experiencing it is extremely difficult for me to take care of them!!! i have 5 cavities, and 2 impacted wisdom teeth. i brush every day, but i keep getting problems with my teeth. i am on a very tight budget, and cannot afford to pay out of pocket fees to go to a dentist. does anybody know of affordable plans or insurance? or if anyone is familier with the area that knows of a dentist that accepts sliding fees? any help would be awesome! thanks in advance.
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You have four options with dental. 1. Visit a local dental school. You can get many procedures done for a reduced price if you're willing to let them practice on you. You can find one here: http://www.yourhealthplanadvisor.com/Den… 2. Insurance - Depending upon the policy: cost $30-$60 per month. You pay a $50 deductible first, they have an annual maximum that they'll pay per year of $750 - $1500, they have a waiting period up to 18 months for major work and then you're paying 50% of the charges. Example - average cost for a root canal in my area is $919. With insurance you pay $460 after paying 18 months of premium (around $800 or $900). Advantage - you can use any dentist with most plans. 3. Discount plans - Cost - $5-$12 per month. No deductible, no annual maximum and no waiting periods. Also, hardly any dentists will accept the plan and when they do you MIGHT get a 10% discount, which is about the same discount you can get by paying cash. Example - average cost for a root canal in my area is $919. With discount plans you pay around $827. Be very wary of these plans because most are scams. The people that sell these plans have little or no knowledge about health & dental insurance and do not need a license to sell them. The plans are not regulated by the state so you have no recourse when you have problems. Some states are starting to ban these plans from being sold. Here is an informative link http://www.insurancejournal.com/news/wes… concerning these plans. 4. Fee for Service discount plans - Cost $7-$15 per month. No deductible, no annual maximum and no waiting periods. Many dentist will accept the plan (check providers first before signing up with any plan). When you use the plan there is a set fee that the dentist will charge you. Example - average cost for a root canal in my area is $919. With fee for service plans you pay as little as $404. I'm an insurance agent and my personal plan is the fee for service plan. I got mine here 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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You have four options with dental. 1. Visit a local dental school. You can get many procedures done for a reduced price if you're willing to let them practice on you. You can find one here: http://www.yourhealthplanadvisor.com/Den… 2. Insurance - Depending upon the policy: cost $30-$60 per month. You pay a $50 deductible first, they have an annual maximum that they'll pay per year of $750 - $1500, they have a waiting period up to 18 months for major work and then you're paying 50% of the charges. Example - average cost for a root canal in my area is $919. With insurance you pay $460 after paying 18 months of premium (around $800 or $900). Advantage - you can use any dentist with most plans. 3. Discount plans - Cost - $5-$12 per month. No deductible, no annual maximum and no waiting periods. Also, hardly any dentists will accept the plan and when they do you MIGHT get a 10% discount, which is about the same discount you can get by paying cash. Example - average cost for a root canal in my area is $919. With discount plans you pay around $827. Be very wary of these plans because most are scams. The people that sell these plans have little or no knowledge about health & dental insurance and do not need a license to sell them. The plans are not regulated by the state so you have no recourse when you have problems. Some states are starting to ban these plans from being sold. Here is an informative link http://www.insurancejournal.com/news/wes… concerning these plans. 4. Fee for Service discount plans - Cost $7-$15 per month. No deductible, no annual maximum and no waiting periods. Many dentist will accept the plan (check providers first before signing up with any plan). When you use the plan there is a set fee that the dentist will charge you. Example - average cost for a root canal in my area is $919. With fee for service plans you pay as little as $404. I'm an insurance agent and my personal plan is the fee for service plan. I got mine here 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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Dental Insurance not enough to pay for extractions and dentures...?
The dental insurance, $18.46 for 2 people, is paid weekly out of husbands earnings. This insurance only pays less than half of the dentists fees and has a $1000. yearly limit. This is leaving a deficit of almost $2500. for extractions and dentures that I am unable to come up with. Is there a possibility of purchasing a second policy from another company that will cover part of this? I can't find employment with no teeth and I need to get out of this abusive marriage. Is there help for me anywhere in Southern California? I will appreciate any helpful thoughts on getting my smile back.
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Aetna has a co-insurance that pays for 50% of the balance. It's better than nothing.
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Aetna has a co-insurance that pays for 50% of the balance. It's better than nothing.
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Health and Dental Insurance for a Model?
Hello all. I'm a male model, age 23, who is looking to get dental and health insurance. I've been without insurance for a year now (ever since I graduated college and was taken off my parents' plan.), and I know very little about how health insurance works. Of the little that I do know, most health insurance is provided through one's employer, but due to the uniqueness of my occupation, I do not have an employer through which I can derive these benefits. I also travel a lot and am not in a single area for very much time. I know that most health care plans are regionalized, which is not good if I'm in Miami for 4 months, New York for 3, and then LA for 5. I'm assuming that I need a plan that will cover me wherever I go. So for me this is a very daunting task and I have no idea how to get started. Can anyone fill me in or recommend how I should go about this?
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You should go through a sales agent or broker if you don't know a lot about health insurance--someone who knows the business and can shop with you to find what fits your needs best. UnitedHealthcare covers you across the country--just one suggestion of a non-regional health insurance company. They offer dental too.
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You should go through a sales agent or broker if you don't know a lot about health insurance--someone who knows the business and can shop with you to find what fits your needs best. UnitedHealthcare covers you across the country--just one suggestion of a non-regional health insurance company. They offer dental too.
Source
Dental insurance problem - am I liable?
My dentist advised me that I required two crowns. The office manager advised me that he had contacted my dental insurance company and they had agreed to pay a certain amount and asked me to pay approxinmately 30% co-pay. I agreed to this and the work was completed. In my belief I fulfilled my part of the verbal contract with the dentist to pay my co-pay. Some weeks later my insurers claimed they had not authorized porcelain crowns and refused to pay their portion. The dentist now expects me to pay this amount. I spoke to the insurers and they agreed that they had erroneously authorized the dentist ,and that they should resubmit the bill and it would be paid. the dentist did this, but the insurer still refuses to pay. I do not feel that I should be expected to pay this portion, due to a mix-up between the dentist and insurer. I fulfilled my part of the payment, and was not advised that I would have to pay if the insurance did not. How should I proceed?
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Unfortunately, you ARE liable for anything not covered by your insurance-even if the dentist's office was quoted a verbal benefit, this is not binding. It is your responsibility to know what coverage you have and what the insurance requires for that benefit to be paid. Your only out is to contact your insurance company and find out what the appeal process is. You will probably have to submit this in writing. If in the appeal process, it is determined that the dentist's office did not follow the authorization procedure required by the insurance, you may be able to request that the dentist's office reduce the portion you owe, but they are not required to reduce their charges, and chances are, you have signed something (probably the first time you were seen) that states that you are responsible for payment of services rendered, insured or not.
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Unfortunately, you ARE liable for anything not covered by your insurance-even if the dentist's office was quoted a verbal benefit, this is not binding. It is your responsibility to know what coverage you have and what the insurance requires for that benefit to be paid. Your only out is to contact your insurance company and find out what the appeal process is. You will probably have to submit this in writing. If in the appeal process, it is determined that the dentist's office did not follow the authorization procedure required by the insurance, you may be able to request that the dentist's office reduce the portion you owe, but they are not required to reduce their charges, and chances are, you have signed something (probably the first time you were seen) that states that you are responsible for payment of services rendered, insured or not.
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DENTAL insurance/PLANS FOR A CHILD???
I am 24 single self employeed partent living in GA. My daughter is 5 years old. I took her to the dentist with no insurance and paid $200 for xray's. She has 5 cavities and it will cost $200 for each crown. I dont know if I am eligible for medicaid so I was looking for private insurance. I honestlyu dont know where to begin to look for dental care plans. I know I dont want to pay $1000 if I can pay way less.....If I have to pay cash I will cause my daughter needs it but if anyone has some good ideas where I can get good plans please give me some input. Thanks
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listen dude. you just gotta do it. get it done. do it. make it doner than you'll ever know. btw make your ******* daughter brush her teeth once in a while.
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listen dude. you just gotta do it. get it done. do it. make it doner than you'll ever know. btw make your ******* daughter brush her teeth once in a while.
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Dental Insurance keeps denying my claim, now I am in collections, what should I do?
I had a root canal performed, which my insurance paid for, however, when I got the crown put in, BCBS denied my claim saying Insufficient Xrays. I paid my portion of the services, but BCBS refused to pay unless sufficient xrays were sent. My dentist office tried five different times but the claim kept getting denied. I contacted BCBS and they said I needed to talk to the dental office. The dental office said they have tried five times and refuse to file the claim anymore and it is up to me to get the claim approved. Now I am being sent to collections for $350. I paid my part, I want them to pay theirs, but I am being blackballed into paying since no one is willing to cooperate. What should I do?
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You need to clarify with BCBS what they mean by insufficient X-rays? Was it that the X-rays were to blurry to see that the crown and/or root canal was needed to validate paying? Should there have been more X-rays taken to validate, and/or prior and current to prove dental work done was correct. Or it could be that the dentist sent bill, but NEVER SENT ANY X-RAYS at all? You also need to clarify what the dentist office sent to them 5 times? If all else still fails, then file a claim with the state insurance department where you live. When you talk to BCBS, make sure you have a pen/paper ready when you call. You need to ask the person you talk to, their name, ID # plus the date/time that you called. Many times they will deny that they talked to you and they will not note to your record. Also make sure you write down specifically what they need. good luck
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You need to clarify with BCBS what they mean by insufficient X-rays? Was it that the X-rays were to blurry to see that the crown and/or root canal was needed to validate paying? Should there have been more X-rays taken to validate, and/or prior and current to prove dental work done was correct. Or it could be that the dentist sent bill, but NEVER SENT ANY X-RAYS at all? You also need to clarify what the dentist office sent to them 5 times? If all else still fails, then file a claim with the state insurance department where you live. When you talk to BCBS, make sure you have a pen/paper ready when you call. You need to ask the person you talk to, their name, ID # plus the date/time that you called. Many times they will deny that they talked to you and they will not note to your record. Also make sure you write down specifically what they need. good luck
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