Thursday, December 30, 2010

Best health / dental insurance for a sole proprietorship?

I work for myself. I live in Ontario and have a small business. I have no employees and am looking for a health / dental insurance package for myself that is affordable yet robust. Any small business owners out there that can recommend a company and give any details about what sort of premium you pay and what you get out of it? I'm not sick or anything, but I do need to go to a dentist. I haven't been since i started working for myself 4 years ago! I need a package that I won't feel like "Why am i paying this much every month if I'm only getting this..." .. anyway, any advice appreciated.
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I haven't ever seen any dental policies that pay out more than they cost. When you're shopping around, I think you'll find the same thing. And in Canada, I thought it was illegal to have private health insurance? I think you're stuck with the state program. But call a few local agents, and ask them.
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Where can I get dental care without insurance in NYC?

I have no dental insurance, and an impacted wisdom tooth and possibly vingervitus (sp?). I haven't been to a dentist in about 2 years, and it's pretty urgent that I get to one. I live in East Harlem but I can travel to anywhere in the city. Are there special dental clinics for people with no insurance or just a dentist that won't cost me an arm and a leg?
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Check out NYU dental clinic. They're usually less than private dentists
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I live in PHX. AZ. and I need to find a dental insurance which I can use right away to fix my teeth.?

Here is the deal, I went to a dentist today to have my teeth fixed. I need about 6 crowns done and they are gonna cost about $4,000 and I don't have Dental insurance right now. Is there a Dental insurance or coverage out there that will enable me to use it right away after signing with them without waiting and how much would it cost each month and based on the example above, with this Dental Insurance how much would my total cost be for fixing my teeth. Again I live in the PHX. AZ. area. We have no free dental coverage here like in New York. Let me know the details. thanks
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I would encourage you to visit this great website: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago when I was in college and they have saved me thousands of dollars over the years on all services. From fillings, cleanings, xrays,exams..etc. Even my braces! They even had my extremely very affordable benefits active in 2 hours and was able to use them the very same day. Hope this helps and good luck.
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cost of dental cleaning and check-up with insurance? Is this dentist scamming me?

I have dental insurance that pays 80% of cleaning and prevention. I went to a different dentist to try a new dentist, and all this person did was take x-rays clean my teeth (very crappily) and the dentist checked my mouth as usual. well when i left the dentist that day i paid $130 upfront. well they keep sending me notices saying i still owe then $40 dollars! So I will have paid them $170 in the end.. does this sound about right? I think this dentist is a scam."
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You can easily check your minimal health care rates in internet, for example here - health-quotes.talk4fun.net
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Why did I get a Dental Bill when I have insurance?

I have dental insurance from United Health Care, that pays 70% of everything- but since when does CLEANING and checkup cost? My bill is $146.00!!! That's ridiculous. I shouldn't be paying anything. Unless you have cavities or are getting surgery, Dental Insurance covers cleaning, right? On top of this, I work at a famous museum- and gave my dentist & hygienist each 6 vouchers to go to the place- a $350 value! They both showed up with their friends and of course, I escorted them around and made it great for them. Now I'm getting billed! If anything, the dentist should have said "You know, he did get us those vouchers. Let me cut the bill down." Thoughts?
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The insurance is a contract between you and the company. The dentist has nothing to say about what they pay. He just submits his charges and whatever they do not pay or cover, you are responsible for. If they pay 70% of everything, that includes exams, x-rays, and cleanings. They do not state that they pay 100% of those. And the dentist doesn't do them for free. So if you have a complaint call the insurance company and complain.
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I need secondary or supplemental Dental insurance?

Does anyone know of any good ones??
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I'd be surprised if you could find a dental insurance policy that would work for you. Odds are, it would be more expensive to pay the premiums than it would be just to pay for the balance after your primary dental insurance out of pocket.
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Is there any "national" private dental insurance, or does it vary by state, because of each state's insurance?

. . . regulation department?
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It varies by state
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