Monday, May 17, 2010

Can I add more dental insurance to the plan I already have?

I just found out I need a root canal and two wisdom teeth pulled. By the time I get this done, my dental insurance will be maxed out. I only have a $1,000 benefit for the year. I won't even be able to get my teeth cleaned after all this. My root canal alone is going to be $704 out of pocket. I need to know if there is any way to add more insurance or something just until I get my teeth taken care of. Maybe just for the year. It has been about 10 years since I have gone to the dentist. So I just need to get my teeth healthy again.

Can I add more dental insurance to the plan I already have?
I don't know what state you are in, but Pacificare Dental has a good plan. There is no yearly max, no six month or a year waiting period before you can do anything major. You can start it right away. It's only offered in California to individuals. If you live here , check it out. It's the Signature Value plan.

1 person $15.50 a month

2 for $24.53

And i do believe you can have another dental insurance to help cover the cost.
Reply:I believe that if the company finds that you have a "pre-exting condition" you will be out of luck. From what I have heard, you can never have too much insurance; they will almost always take your money, but read the fine print.
Reply:OMG!! My insurance gives $1000 for dentist service too..and i need a jaw exam that costs $550 + 4 extrations

For this reason i prefer to go to my country!!
Reply:Private dental insurance is very expensive and usually doesn't cover pre-existing conditions. But, dental discount plans are very affordable and can save you 30-60% off on the average. Also, most of them cover pre-existing conditions. You can choose from numerous affordable dental discount plans by going to and keying in your zip code to see which plans are available in your area.
Reply:Yes. Check out this website.

I use them when i do not want to use my insurance. They allow unlimited visits, with no claims or paperwork to fill out. I have been using them for about 3 years since I have signed up online for the same reason you stated above.

Hope this helps, Good Luck.

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