Dental insurance plans

Common Questions and Answers about Dental insurance plans

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Avatar n tn 1. be careful with "getting your own" dental insurance. Plans not offerred through employment are usually very poor, and are usually not really "insurance" at all. (Is it Ameriplan?) They are usually "savings" plans where if you go to a paricipating practice, your fees are drastically reduced. Keep in mind the dentist does not get reimbursed by your "insurance plan" at all. It is not my place to say much more, other than to be really careful.
Avatar n tn My husband (40 y/o,healthy)and I (40 y/o, healthy) are looking to get our health insurance coverage from next present. Right now we are on cobra GHI( extension from my previous work place) but they are asking me to change to EMPIRE PPO or EPO since they will not have GHI. I did not have dental and vision coverage previously but even if I want it they are saying they cannot add it. They are also asking for a one year committment.
Avatar n tn I have dental insurance but as we all know the coverage has been less and less over the past few years so I looked into dental discount programs. Did you know that some dental providers will accept both insurance and a dental discount plan togeather? It took me about 5 phone calls but I know it was worth it. On my first visit I had 3-cavitys filled. The cost after my insurance was $144. factor in the dental discount plan and my out of pocket cost was only $14!!! Check it out at http://www.
Avatar f tn Also, see if there is a birth center near you. I know our local BC has options for families with no insurance. The total out of pocket to deliver there and be seen throughout the pregnancy is about $4500 compared to 3x that amount about the hospital.
Avatar n tn hi, i don't have any dental insurance so I need to pick and choose which tests and procedures at the dentist are really needed. I ask you this because I hope to find unbiased opinion. Last time I skipped the peridontal xray, but got the cavity xray and cleaning...he found 2 tiny cavities that ran me $400 out of my pocket but later a hygenist said maybe that wasn't necessary as the decay could have been reversed... So what do I "really" need..
Avatar m tn I am so far a healthy 43 year old/m in pa. I am trying to decide which health insurance plan will be good for my situation and I am looking for some opinions here. This Month my group plan ends and I can take cobra but there is no financial benefit to taking my same PPO plan which gives me to price break for being unemployed. So I am trying to look at this at a meaningful way. Since my PPO was $475/m plue $29 dental I just cant be paying that on my own now.
Avatar f tn Ya, sorry your insurance is maxed out. That's a problem with dental insurance, its very limited. Most plans don't cover very much in terms of dental treatment. I always felt that if health insurance was built like dental insurance, people would be very upset. Imagine if you had a car accident and your insurance company said they'll pay for one arm to be fixed but you gotta pay for your leg. I never understood why people tolerate insurance companies to partially pay for it.
Avatar n tn i just checked out the site. its for dental insurance plans. i misunderstood. the biggest problem i have found with these are many dentists dont accept it. again check the fine print and make sure you know all the restrictions. each plan has its own "catches" so read the information carefully. i checked into these plans and the only dentist that took it were foreign and involved in the aspen plan (see above post).
229857 tn?1319029907 Do any of you have insurance for your pets? If so is it worth it and what is a good company? Thanks.!
946207 tn?1246134385 My mouth is full of dental problems- I have 8 abcessed teeth. One bad infection is in one of my front teeth that hurts all the way up under my sinus cavity. I HAVE TO be sedated at the dentist (been this way since I was young- had abusive dentist when I was little girl who caused me alot of pain). NO low-income dental clinics will sedate me and I can't afford a regular dentist/oral surgeon/sedation. I am 43 yo tomorrow and am going to die from these infections in my mouth.
Avatar n tn t have dental insurance... you can get dental stuff done at the hospital if it is really serious. Maybe ask your doctor about this (even if you do live in American, it might be the same)? Personally I'd prefer paying out of pocket than getting it done at the hospital... but, if that's what is causing your headaches and there is no other way to get it done because of money reasons, you might want to consider having your doctor refer you to the hospital to get your tooth dealt with! But...
Avatar f tn I had a root canal done 2 years ago on the next to the last tooth in the back, on the bottom right-hand side. Just the root canal alone maxed out my dental insurance so I had to wait a year until I could afford the crown through my insurance. By the time the year was up, I lost my dental insurance and knew I had to wait even longer.
Avatar n tn m having to juggle through insurance plans with different jobs, because it seems like private insurance is untouchable for me. Any help or advice would help.
1365830 tn?1277997291 You should check with your local department of social services. Most states have a program specifically for pregnancy. Many of those programs can be used to supplement your private health insurance. I have private health insurance that is actually pretty decent as far as covereage but becuase we hadn't met the deductible for the year when i found out I was pregnant it would have been a lot of out of pocket cost so I applied for medicaid and it was approved.
Avatar n tn rj47, I am not sure where you are from, but there is a good dental clinic in South Carolina. If you don't have dental insurance or can't afford to pay in one lump sum, they have a payment plan for any work done. I went there on Wednesday and had dentures put in on the top and a partial on the bottom. My total cost was 525.00. That includes everything.
Avatar f tn Were wanting to look into other insurance plans. Anyone else just pay outright for insurance? If so give me some tips for what we should look at! Im worried that with it being so bad when the baby is finally here they will not cover much of anything and im not just meaning labor delivery cost. Im thinking meds and check ups. Everything really.
Avatar n tn I was wondering if I lose my mothers medical insurance (Bluecross Blueshield of Iowa) if I don't go to college next year? My brother did but I was told I wouldn't because I'm considered a dependent. The reason why is because I became paralyzed in 11th grade. Do you believe this is true?
Avatar f tn t know why they would code tmj as not a covered medical condition. If it is dental insurance, then some plans don't cover tmj, as it is a medical issue. It really all depends on your insurance and provider. Some dental plans cover some tmj treatments. I have never heard of a medical insurance denying just tmj disorders! That would not be fair. So many people suffer from tmj. I would dig deeper and see where that can get you. Insurance companies are a pain in the rear!!
Avatar n tn The throbbing gets so sharp that I can not handle the pain. I do not have dental insurance but I do have health. The only way they will cover the dental expense is if my doctor writes an order that it is medically necessary to have it removed. Obviously she has to be aware of infection entering my blood. In the offchance that she does not know all the risks what are some other detailed risks of an ongoing absess that I can present to her when I demand an order for removal?
387294 tn?1207620185 For instance in CA, in addition to the major risk pool (www.mrmib.ca.gov), Insurance Carriers offer their 2 most popular plans to individuals who opt to exercise their HIPAA rights after they exhaust COBRA. Please note that these guaranteed issue plans cost more than their standard underwritten counterparts. In order to find the right plan/carrier for your son & daughter, you can consult a local broker in your area or go online. There are a number of websites like www.eHealthInsurance.
Avatar n tn implants are the closest restoration to a natural tooth. the procedure cost more than most others which is why many insurance plans dont cover it. they want you to go with a cheaper option. i would not get an implant from a dental school. since this procedure is more difficult than a simple filling and such i would want to go to a dentist that has lots of previous experience. this would decrease the risk of something going wrong.
Avatar f tn If drug treatment is covered by your health insurance- can it be denied as a "pre-existing condition" if you were getting treatment and paying out of pocket before you got the insurance??? Anybody know? Someone told my son that because of ADA it cannot be denied. Anybody know?
Avatar n tn What are you talking about? I NEVER mentioned anything about insurance plans or alternative plans, I only talked to him about how root canal and crowning procedures work! I hope that you accidentally posted under the wrong thread, because otherwise I'd like you to point out what I wrote that was objectionable.