Thursday, November 12, 2009

Dental Insurance?

What do people who have no insurance through their job do to get help with things like this???

Dental Insurance?
you have to get a private insurance


see this http://gsx1.com/InsuranceComparison.html it's one form to get a number of quotes from different insurers. It's free and a big time saver, these are all the main American insurers competing to get your business so you are bound to find something cheap that suits you, if it works out remember my points please :)
Reply:NOPE BUT THAT DOES COUNT FOR THE INSURANCES
Reply:LISA NEEDS BRACES


DENTAL PLAN


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Reply:Go to kasier permanente if there is one in your area. They have relatively low dental insurance. it is very bad for someone to subscribe to their company's insurance program since they don't know when they will lose their job. Once you no longer work for that company, you also lose your health insurance plan.
Reply:Most reputable Dentists will cut the cost to serve people with no insurance (around here anyways). There are usually places that are catered to non insured patients.


I've been on both sides and after paying the premiums now, I would be far better ($ wise), if I would just put some away every month. Luckily we have good teeth and free of major repairs.
Reply:I have Ameriplan Dental Plus. It is a discount plan where you can save up to 80% off. I would check it out if I were you. You can join at http://www.MyBestDentalBenefits.com
Reply:You have five options with dental.





1. Go without insurance. If you have good teeth and just want the basics you probably don't need any plan. A yearly cleaning and exam and even an occasional filling will cost you less without insurance.





2. 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.





3. 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 $829. With insurance you pay $414 after paying 18 months of premium (around $800 or $900). Advantage - you can use any dentist with most plans.





4. 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 $829. With discount plans you pay around $746. Be very wary of these plans because most are scams. The people that sell these plans have little or no knowledge about health %26amp; 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.





5. 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 $829. 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.
Reply:Affordable dental discount plans (not dental insurance) offer steep discounts. Go to http://www.lowpriceddentalplans.com and key in your zip code to see how much money you can save.


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