Ran out of dental insurance... Now what?

Earlier this year I had all 4 of my wisdom teeth pulled. Now I also need to get 2 root canal's (both of them are re-work) but my insurance wont cover it because I've reached my max for the year. The total procedure will cost me at least $3k and I'm in really tough pain.





I have two questions... 1.) What options do I have? 2.) What the hell is dental insurance for anyway?

Ran out of dental insurance... Now what?
nothing..
Reply:Go to a dental school. It's a little slower but it is WAAAAY cheaper and you are helping some shlub pass his boards.
Reply:There's always the "string and door-knob" method of taking care of teeth. LOL.
Reply:Some things are worth paying for.
Reply:Only options are to wait til next year - pay it yourself. Ask the dentist if you can get a discount if you have to pay it. He could give you payments.





Dental like all other insurance is to make money for the insurance company.
Reply:YOU COULD CHOOSE TO BE IN PAIN,OR GO FIND YOU SOME OTHER DENTAL INSURANCE.DENTAL INSURANCE IS WHAT YOU NEED NOW.
Reply:check when the anniversary date is for your insurance. Thats the next renewal date if paid annually.








You may be able to get the insurance company to review that decision if the dentists says its part of the original work .
Reply:The dental school, or go to the county health dept
Reply:You can save up to 80% at the dentist with Ameriplan. The plan is only $11.95/month for an individual and includes free vision, prescription, and chiropractic plans. There's no limits on services or visits. Visit the link below for more information.
Reply:The same thing happened to me and I ended getting a dental discount plan to help save money on my dental needs. I currently use a plan that is only $11.95 a month. You can research their site and see if it will benefit you. Also be sure to check the providers in your area that accept the discount plan. The site is http://Stacie.OneSimpleCard.com . I hope this helps you as much as it helped me. Have a good evening. Oh, dental insurance is good BUT you need more than that to save money.
Reply:I am really sorry to hear that you are suffering and the heartless dental insurance companies won't consider your problem.





Have you called them and explained to them your problem. You can ask to talk to a few higher ups and ask them what options you have under your dental insurance.





Will they consider some kind of plan where you pay more than your usual share and they pay a part of it. You never know what loop holes there might be that you are not aware of which you can exploit. Just a thought!





Apart from trying that out you have the following options (Some of the options have been already spelled out here, but I am just recapping it for your benefit)





1. For really cheap treatment but reasonable quality care


find a dental school near you, register with them if they will take you as patient and get the work done.





2. If that doesn't work out get yourself to your local county hospital. Most have a dentist attached and you will get good quality care for almost free.





3. Option 3 is to get a dental discount plan that is local to your area, that has a dentist near you who is willing to accept it and that offers substantial discounts on the treatment you are seeking. Check this out at http://www.a1-dental-insurance.com. You will pay atleast 50 percent of your costs if not more with this plan.





4. Option 4 is talking it out with your dentist, ask him what is the basic minimum that he will charge. Tell him you don't have insurance and will he take you up with out one. Many dentists prefer treating patients this way as they don't have to deal with insurance companies and getting paid after a lot of paper work. You can also plan out treatment over the course of year so you can pay the money over a longer period.





Option 5: Is something I discovered recently. Border towns in Mexico are offering dental treatment at less than one fourth what it costs in the States.





Option 6: Explore whether you can get treated in another country like India, Romania, Easter European countries. They have good quality medical centers that treat you at less than 1/10 th of what it costs here. But you have to figure travelling and accomodation charges and also food and distruption at work and home. But you get a free holiday thrown in!





Option 7: well I am still thinking.