dental insurance

I have a question regarding dental insurance & getting help?

2010-05-21T18:50:00.000-07:00

I've been told i am going to lose all my teeth within ten years. Well, those ten years have probably came and went. I have gum disease and need oral surgery. I'm also very, very, very fearful of dentist. the times i've gone they've had to put me to sleep. Well, i'm going to lose all my teeth and don't feel i'll be able to go on living. i'm only 45. I need a plan to try and get my life back. I'm in pain now, have been for over a month, and i keep popping advil, motrin, aleve, probably too much. what can i do to get health insurance or a dental plan that covers surgery and can help me get a set of teeth? cause i imagine i'll lose them all, there's too much bone loss not to. I'm scared, cause i know i can die from infection if i don't do something soon. anybody got an answer or sugestions? please don't be cruel, i'm already an emotional wreck.

I have a question regarding dental insurance %26amp; getting help?
You're not going to be able to escape this problem without throwing down some cash, and facing your fears. I suggest going to dentalplans.com and picking out a discount plan, which may help lower the cost of oral surgeries, and dentures. Also, if you go to a general dentist who does not use general anesthesia, you will save yourself a lot of money. Also, i recommend signing up for CareCredit, which can be found at CareCredit.com. This is a health care credit card, which can help you break down expensive procedures into monthly payments. CareCredit and discount plans are not accepted everywhere, but both website will help you find a dentist who accepts their product. I understand your fear of the dentist, however, sometimes in life we have to face our fears, and you will find out that going to the dentist is not that awful. Everyone has had bad experiences, etc., but you need to remember that the dentist is there to help you. If you feel pain while the procedure is ongoing, TELL THEM. They will not continue if that is the case, but they are also not mind-readers! Hope this helps a bit, and I urge you to do something about this problem, because doing nothing is only hurting you.

If you can't afford dental insurance, do you think the dentist should give you a small discount?

2010-05-21T18:49:00.002-07:00

If you don't have dental insurance, tell me how you can ask the dentist for a small discount or if he should give you a discount.

If you can't afford dental insurance, do you think the dentist should give you a small discount?
Hey Jewel,

I am a dentist and if a person pays for the service in full on the same day I render it I will give them an 8% discount (Only 4% with a credit card as I have to pay the 3-4% for credit cards used in my office). I don't do this for insurance patients because I have to collect the insurance payment directly from the insurance company and that takes a couple of weeks so I don't receive payment the same day. One person suggested Care Credit for financing treatment and that it a great suggestion. I don't work with Care Credit but I work with the Dental Fee Plan through Capital One which is very similar and I'm sure your dentist has some institution he or she works with- just ask them. I don't consider it tacky when a patient asks for a discount as long as they do it tactfully. Just say something like "Do you have a discount for cash patients?" Believe me cash patients are my favorite patients. Insurance companies are a pain in the butt to deal with and I have to take a discount when working with them, so I sure don't mind to do it for my cash paying patients. BUT...I DON'T GIVE THEM A CASH DISOUNT UNLESS THEY ASK FOR IT.

Dr. R.
Reply:http://www.mybenefitsplus.com/...

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Reply:nope

if u can afford something u should not buy it
Reply:if you don't have dental insurance you can sit down and discuss this with your dentist. chances are they won't give you a discount but many have affordable payment plans or something called a 'sliding pay scale'. both of which make it easier for someone of lesser means to afford the dental care.
Reply:I don't think that they have to but I do appreciate when they do.

Just ask if they have discounts for non insurance holders; mine gives me a discount but then I go to him because we are friends. Before I went to my friend I went to a dentist that gave discounts to non insurance holders.

Open and honest.

You are not asking for free work. Just a discount, lots of different places will give a discount if you ask. Do you get mad at people for negotiating the price of a car?
Reply:you can get adiscount dental card online, only 35 dollars save alot of money.
Reply:Dentists are in business to make money too. I would never dream of asking a dentist for a discount unless I had been going to that dentist for a long time and had built up a rapport, a relationship with them. And even then, I believe I might be too embarrassed to ask.
Reply:You should not get a discount. Try going to a dental school, they do work for cheap and sometimes free.
Reply:my dentist did for me, my insurance ran out for the year and i needed 2 rootcanals and 3 wisdom teeth pulled he said dont even worry about it, he did it for free! you can ask by saying i dont have any insurance is it alright to make payments then he might give you a deal and ask what you can afford. good luck
Reply:Usually if you have to ask, they aren't kind hearted enough to do anyway. You need to ask around. My friend's dentist always gives her a discount because he knows she's a single mom. Just find out who the jerks are and the nice guys are before you go.
Reply:No. If I can't afford food I would never ask Safeway for free food.
Reply:Sadly, they probably aren't going to give you a discount. Billion dollar insurance companies however, DO get a discount. Go figure. If you need to have the dental work done, try setting up a payment plan. It would at least make it a little more managable.
Reply:A lot of dentists will give you a discout. Just ask them if they have special rates for uninsured patients. I do have dental insurance and can tell you that for the most part its a crock. I just started using a company called CareCredit that helps finance dental work. You can get a line of credit from that will allow you to get what you need done and pay it over a couple years if needed. They also will show you dentists in your area that accept that payment option. It's worked well for me considering without it I wouldn't have been able to have dental work done even with the insurance! What a joke it is.
Reply:Actually,just by not carrying dental insurance,you are already getting a discount. Most dentists compensate by charging patients who do have insurance more than someone without insurance. They actually charge the insurance I should say,not the patient. Most insurances work this way. They have to compensate for the loss somewhere and it ends up costing the person who can afford insurance more because the premiums go up or the deductibles cost more.
Reply:Lots of misleading information posted here!

Dental insurance works in several different ways:

PPO, or participating providers - the dentist agrees to discount their regular fees in exchange for belonging to a Network. This "feeds" a certain number of patients into the practice, but the dentist gives up some of what he/she would usually charge.

HMO, or health managed care - the dental office accepts a certain monthly $$ amount per patient. The patient then can get certain procedures done at NO cost and the dentist can't charge any more from the patient. Of course, if the doctor is only getting a set amount, he/she isn't going to to the best, most expensive, or most time consuming work.

Fee for service: the dentist charges everybody the same amount and collects from insurance for those patients who have it. The patient is responsible for the bill regardless.

Most dentists charge what they think is fair based on what it costs to deliver the care plus enough of a markup to pay the staff, maintain the equipment, and take continuing education courses. It takes more time and money to give the best quality care.

If a person does not have insurance, sometimes a "bookkeepping courtesy" is given of 5 to 15%. This is because the dentist doesn't have to wait 30 to 60 days for the insurance to pay, doesn't have to hassle with the forms, etc. This is if you pay your bill IN FULL at the time of service.

Most dentists I know are nice people and take pity on the truly needy - old people, disabled, single moms, etc. People who just want stuff for cheap don't get the same break and I don't think they should.
Reply:If you can't afford health insurance, should the cardiovascular/transplant surgeon give you a small discount?

I perform a lot of work without charging a fee. I am happy to extract teeth, perform exams, take x-rays, etc., without charging for them if I feel that the patient is truly in need.

Dentistry, as a profession, sucks. It's often times difficult work, and patients typically hate us for doing what we are supposed to be doing--taking care of their oral health. Not a single day goes by where I have a patient I have never seen before convey to me in some form their hatred of dentists. We don't get the same respect as physicians do, despite the fact that our education and service to the community are very comparable, and public perception of dentists is generally negative (can you think of ANY television program or movie where dentists were cast as even-keeled professionals?)

We practice dentistry because we genuinely want to help. And that attitude pervades into our daily routine. You may not realize it, but there are things for which your dentist could justifiably bill you but hasn't.

I'm perfectly ok with doing things for free. But when patients come along and use the word "should" with regard to discounts, I find it extremely belittling to what we do, and absolutely inappropriate. We are doctors, not hair stylists.

Beauty

Should I put my newborn daughther on dental and vision insurance?

2010-05-21T18:49:00.001-07:00

Obviously, when she is born in 2 weeks I plan on adding her to my health insurance. However, it seems unwarranted to add her to vision and dental right away. Any thoughts? Also, if not right away, when would you add a new child to vision and dental insurance? Thanks in advance!

Should I put my newborn daughther on dental and vision insurance?
You may not have a choice--some insurance plans require that the child be added when she is born, or she can't be added at a future date at all. If that turns out to be the case, I'd put her on dental now, and skip the vision unless it's extremely cheap.

If the plan allows you to defer adding her until a later date, then you'd want to add her by age 3.
Reply:yes u should cuz my son was only a month old and i had to bring him to see if there was something wrong with his eyes..* hes alright but thats the point u never know if u might have to do that*
Reply:I would add her to vision and dental not so much for the dental part of it but for the vision part of it and also for overall health insurance because not only is there going to be a whole helluva lot of pink eye theres also going to be tons of ear infections.
Reply:Babies don't develop 20/20 vision until they are 2, and before that, the pediatrician can do any necessary checks. Dental insurance isn't necessary, she doesn't have any teeth. I would add them around 2 years of age.
Reply:If you have the choice- I'd hold off. My husband insurance MADE us put all the kids on it when they were born.
Reply:hi check this link its good

http://insurancess.notlong.com

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Where Can I find good dental insurance?

2010-05-21T18:49:00.000-07:00

I need dental insurance that will cover oral surgery, as I have 2 ingrown wisdom teeth.

Where Can I find good dental insurance?
You can only get Delta Dental through an employer. If you already have medical insurance, it will often pay for wisdom tooth removal if done through an oral surgeon. If you do not have it, then I would look at getting health insurance privately that covers it. There really are no 'good' private dental insurance companies... you could try Denticare, American Dental Plan or Ameriplan.
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Reply:You would have to check around on pricing, but from what I have seen, Delta Dental is a good dental insurance carrier.

Where Can I find good dental insurance?

2010-05-21T18:48:00.003-07:00

I need dental insurance that will cover oral surgery, as I have 2 ingrown wisdom teeth.

Where Can I find good dental insurance?
Do you have medical insurance? In many cases, your medical insurance will pay for the extraction of wisdom teeth if done by an oral surgeon.

If you have no medical insurance, then really all you can do is try plans such as Denticare, American Dental Plan or Ameriplan. There is no such thing as 'good' dental insurance unless you can get it through an employeer.
Reply:delta dental is good
Reply:Met Life is the best dental insurance I have EVER had. They pay 80% of what they cover and they cover practically everything. Good luck.
Reply:honestly, there isn't really such a thing as good dental insurance!! We have Metlife but getting dental work is still way expensive, especially if you need extensive work such as crowns!
Reply:jeferson pilot.

Any reccomendations for a good dental insurance??

2010-05-21T18:48:00.002-07:00

i have health insurance through my job, but they do not offer dental.

Any reccomendations for a good dental insurance??
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:Its hard to get individual coverage with dental insurance.

There are lots of companies that have so-called "plans", but they are just discounts, not actual insurance, so be careful in your search.

Delta Dental does offer individual in some states.

http://www.deltadental.com
Reply:Have seen a good directory on this topic:

http://dental-insurance.1crt.info
Reply:Tracie is right, a good dental plan is hard to come by. Try Barry's plan: Get a big jar and empty all the change out of your pockets each night into it. As long as you don't eat too much candy, you should have enough stashed away for your next tooth ache.

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Does anyone know of any dental insurance programs that cover braces?

2010-05-21T18:48:00.001-07:00

I am looking for any dental insurance program which covers the highest percentage of the cost of braces. Does anyone have any suggestions, companies, or providers they know of?

Does anyone know of any dental insurance programs that cover braces?
First, you should understand the concept of "dental insurance".

Companies sell policies and collect premiums from a number of individuals in a group. The company is profitable only if more people pay in than use up in benefits.

If you, as an individual, buy an insurance plan for ortho coverage, it's for sure you will use it and it would make no financial sense for the company to pay out benefits.

Bottom line: you just can't pay less for benefits than a company would pay out.

Good news is, most orthodontists take payments. You'll need a substantial amount as a down payment, but the balance can be paid out over the course of treatment. Look for ads in your local paper or phone book. Payment in full could net you a substantial discount if you have a cheap source of credit. Many orthodontic offices use credit agencies such as Care Credit or Denal Fee Plan to help their payments get the treatment they need.
Reply:Good question. I'm 20 and getting braces next week. Since I'm over 18 my regular dental insurance doesn't cover it, but my dad has some program at his work called "execu-care" (I'm not sure about the spelling). Supposedly they are going to cover all of it for me. I don't know anything about the company, but you should look it up if you can.
Reply:well the company i work for saves you up to 80% of ortho work (yes thats braces) and teeth whitenings and cleanings xrays etc etc

youd have to check with one of the dentist thats a provider to see just how much i know its definitely over half around where i live. its only 11.95 a month too so its affordable and you get vision (lasik surgery eyeglasses contact etc) precription and chiropractic care included with that cost! i can email you the info and you can check it out for ureself. its a legitimate 15 yr old company and theyve saves alot people alot of money however i cant solicit on answers so you can email me and put in "dental"in the subject and ill send you the link...ok?

carson5021@yahoo.com

Is there some type of dental insurance that is affordable??

2010-05-21T18:48:00.000-07:00

I am 38 y/o male who needs to finally look into some dental insurance that is affordable/ I have some teeth that needs to be fix ASAP thanks for your Help Bri

Is there some type of dental insurance that is affordable??
I dont know but I will keep an eye on your question for myself and my family. Thanks for the Q%26amp;A

What are the average cost of braces with dental insurance?

2010-05-21T18:47:00.003-07:00

i'll be getting dental insurance through my work place pretty soon and i'm curious about how much braces will cost with dental insurance. can anyone help me out with this?

What are the average cost of braces with dental insurance?
I paid over $5k for my braces. If I were you I would contact your insurance carrier from your work to find our the exact coverages of your plan. Thats the only way to know for sure.
Reply:3,000 dollars
Reply:mine were 2,500

and you really dont get much cheaper

they can go up to about

5,000

What is the best discount dental insurance available?

2010-05-21T18:47:00.002-07:00

I recently found out I have to get a root canal and I don't have any dental insurance - I need help!

What is the best discount dental insurance available?
Dental discount plans are not usually worth the cost. Finding a dentist who will accept a fraction of regular fees if they are able to fill appointments will full-fee patients might be difficult. In fact, many people have found that NO dentists in their area (at least, not dentists they would WANT to visit) accept the discount plan.

The State of Montana sued one of the main plans, Ameriplan, for insurance fraud and won. Please investigate carefully before giving personal information to internet-based plans.

Ask your dentist about financing plans through such companies as Care Credit or Dental Fee Plan. You'd be much safer!
Reply:Couldn't say it any better than Emm.

The discount plans are not worth the money or the time. Your best bet is to try the dental care credit or any other credit card you may have.

The other less expensive option is to have an extraction, sorry

Broken Teeth

Do anyone know anything about Dental Insurance?

2010-05-21T18:47:00.001-07:00

I am trying to purchase some dental insurance for my family and i would like to know of any good companies for indivdual coverage.

Do anyone know anything about Dental Insurance?
My personal experience is that most families with fairly healthy teeth lose big time buying their own insurance, and that families with unhealthy teeth at best break even. The cost of regular checkups and daily home care (flossing and brushing) is far cheaper out of pocket than out of most individual insurance plans premiums.

I would advise you to first do research on how dental insurance works, decide what (if any) coverage you need, and find a good broker if you still decide that you want it.

The only time recommend dental insurance to a patient is if their employer is picking up at least half of the premium. Otherwise, you'll save more money going out of pocket and/or using your medical savings (aka Flex spending) accounts.

Also, beware of psuedo-insurance: discount plans masquerading as dental insurance. If you pay less than $150 only once a year to go to a limited list of participating dentists, you are getting a discount plan, not insurance. Many of these plans negotiate dentistry at deep discounts. You pay the company a membership fee, they pay absolutely none of it towards your dental care. Be careful; the economics of these plans gives doctors every temptation to bait and switch you into higher priced elective procedures.
Reply:My sis used Delta Dental - it gave a max of $1650 a year - this was thru her company but would have cost around $30 a month - she still had to pay a %age contribution on most things!

So cant give you any overall advice but just how she found Delta
Reply:You will not generally find good dental insurance for individuals. The thing is, insurance companies are in BUSINESS and they want to make a PROFIT. They know exactly how much any given group is going to spend for their dental needs, so they construct a fee schedule for that group and decide how much premium that they will need to charge to pay out those fees for that group and still make money. Dental insurance can be a big loser for the insurance companies, because EVERYONE has dental problems. Not everyone has a heart attack.
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Reply:http://dentalplans.com is a good source if you are not covered by an employer.

Where can i buy individual dental insurance?

2010-05-21T18:47:00.000-07:00

it will need to be stand alone dental plans, becuz i will have a seperate medical insurance

Where can i buy individual dental insurance?
In my opinion there's no good dental insurance anywhere. On top of the $30 to $60 per month premium most dental insurance has a $50 deductible, a yearly maximum that they pay out of $750 - $1500. Co-insurance for most procedures of 20% - 50% and waiting periods of up to 36 months for major procedures.

I'm an independent health insurance agent and I do not have dental insurance. Instead I have a dental discount fee for service type plan. You can find a plan for around $100 per year here: http://www.dpbrokers.com/default.aspx?lo...

These plans have no deductible, no waiting period, no annual maximums and no pre-existing condition exclusion.

One word of advice before signing up with any dental plan. Make sure to check the dentist provider list and pick a dentist (if you can't find your dentist on the lists). Call the dentist to make sure they're still taking the plan and they're accepting new patients.

Do not confuse dental discount plans with medical discount plans. The medical discount plans are mostly scams.
Reply:Sometimes your medical insurance can also refer you to dental service providers. But if they don't, here are some links for you. A search under "compare dental plans" or "dental insurance" on your favorite search engine may also provide more links.

Can anyone recommend a good dental insurance plan for implants?

2010-05-21T18:46:00.003-07:00

I need about 20k of work in implants and cannot afford it. I need to find a good dental insurance plan that would provide some coverage to help me pay for this.

Can anyone recommend a good dental insurance plan for implants?
Hi my name is Jeffery M Salerno DDS

Unfortunately, there are very few insurance plans which offer implant coverage. Most insurance plans will pay for some of the restorations placed on the implants but do not cover the surgical placement of implants.

Insurance plans usually have a max allowable payout per year. For example they will pay a percentage of the first 1000-2000$ depending on the plan and type of coverage. Any other work after that within a 12 month time period is out of pocket by the patient.

I suggest looking into (Care Credit )or talking to your bank about a loan to cover the treatment you need.

Good Luck
Reply:Ask the dentist who wants to do the implants the best insurance for this work - as it varies state to state.

We switched to Horizon health care (dental) for ortho coverage it's better then what we had.

Self employed people...Is buying private dental insurance worth the cost?

2010-05-21T18:46:00.002-07:00

The premium plans cost a fortune, the affordable plans only cover cleanings and a small percentage of procedures. Either way, when you add up the total price....cost of plan + out of pocket at time of service, it seems to come out fairly close to what you would pay if you paid cash at the time of service.

Is there a practial reason for a self employed guy to buy dental insurance? If anyone knows of a good dental plan that is actually worth the cost of premiums in West Michigan, please post.

Self employed people...Is buying private dental insurance worth the cost?
Probably depends on how good of shape your teeth are. If you have had a lot of work done already and foresee more in the future, then they might be a good deal. Personally, I have had like 3 cavities in 32 years, so I don't bother with it. If you get a Health Savings Account plan for your health insurance, you can use that money to pay for your dental checkups and at least get the benefit of using pre-tax money.
Reply:yes, in case your child has an injury playing sports, or a cavity.
Reply:Yes there are plenty of good reasons to buy dental coverage.

You will have to judge for yourself. I will include just a few

links below but _you_ will have to decide what is best for you

if any.
Reply:please try this %26lt;a href="http://www.anrdoezrs.net/click-174... target="_top"%26gt;help!%26lt;/a%26gt;

%26lt;img src="http://www.lduhtrp.net/image-174819...
Reply:Hey, you will like this, it is an alternative option for dental insurance, you pay discounted prices on all services, the coverage is immediate, and for your entire household. Go here: www.everyonebenefits.com/40524594 Good luck!

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Where can I find the best dental insurance?

2010-05-21T18:46:00.001-07:00

I am looking for the best dental insurance to help fix my open bit....I live in Columbia SC and I can't seem to find any insurance to help me. I dont know how much these things cost but I hope it is not too much. :)

Where can I find the best dental insurance?
Hi, my name is Deidre with Ameriplan USA.

We are the best low cost, dental discount service availible...

dental pack(individual): $11.95monthly

dental pack(household)$19.95monthly

(1 time sign on fee of 20$)

(30 day unconditional money back guarantee)

we also have:

medical/dental(indv):$49.95mo

medical/dental(household): $59.95mo

Usually there is a 1 time fee of 30$ for the medical program...

We have a special on the medical package: we're waving the sign on fee... therefore their will be NO sign on fee if you sign up today for the medical package...

my grandparents live in camden sc and she just signed them up for the dental household pack today...ironic huh?-lol

I'm going to also give you my website to check out...

Hope you decide to join us...
Reply:Your least expensive insurance is found thru your work

If you want some names of Dental Plans, call a Dental Office and have them recommend some, they know which plans cover which things, they deal with them every day!

I am looking for a good dental insurance plan?

2010-05-21T18:46:00.000-07:00

I am in my 50's and have dental insurance but it doesn't cover some of the major things. I am looking for a supplemental insurance program that might help with the major expenses I might incur in the future. Does anyone out there have any suggestions of any companies I should look at?

I am looking for a good dental insurance plan?
The above 2 posts are TRUE! However, there is still hope for all. There is a way to receive up to 80% off of your dental visits no matter how many times you go. What I mean to say is. Say you get a cleaning in June and are covered up to 80% you pay about $25 then you want another cleaning in July, Yep you pay $25 again. Try to do that with insurance. What about Braces, you ask. You can receive up to 56% off on braces. Most insurance companies only give $1000 a lifetime for Ortho work. Let's see there is more... There is no age limit, all on going dental problems are excepted. Excluding Braces that are already in the mouth. You could get all this and FREE prescriptions, FREE Vision Care, and FREE Chiropractic Care. You say why do you need all that. Well let us look. Your medical insurance is good and covers vision, say you get a pair of brand new glasses today and someone sets on them next week or even 2 months from now. Will your insurance company, buy you new ones? NOPE! But, you can receive up to 60% off on all lenses and frames. There is so much more!! You want that info contact me. ccarr@ameriplan.net
Reply:I have the same problem..at my dentist he has a supplemental insurance that I am sure is offered nationwide which is like a credit plan and you can apply for and get some type of card for extra dental cost and pay over time..check some of the websites for like a dental credit card or something that sounds the same..also sometimes dentists if you have a relationship with them with give you some time to pay a bill off..my dentist is wonderful..and basically I guess where the cost of dental care has increased over 700%i in the last several years our dental insurance (most) have stayed he same as far a coverage..I don't think people carry dental care like they carry medical coverage.
Reply:The above answer is correct. You cannot afford to go without medical insurance, but you can afford to go without dental insurance. Let me give you some figures.

In my company the cost of single coverage for dental is $27 per month. ($324 per year). For that I get 100% (of reasonable and customary) for cleanings. Roughly $100 value per cleaning. So if I have no further problems, I've paid in $124 MORE in premiums than I collected. (Remember in the case of medical, you're more than willing to do that because the risk of a heart attack or fatal disease with catastrophic costs are certainly a possibility). However, most dental plans have an annual limit. My plan has $1000. It only covers a lifetime max of $1000 for orthodontics and then only for kids under a certain age--as an adult, I could not get braces.

So let's say you need a crown, that's certainly a major service which could cost $1,000 and you might want protection for. Well they only pay 50% of R%26amp;C.

Bottom line is that if you are paying 100% of the premium and not getting it through a major buyer (like an employer), individual policies are rarely worth it.

Having said all that, I know AARP offers a plan and you can look into that.

boots

Anyone know of a good private dental insurance company?

2010-05-21T18:45:00.003-07:00

I'm looking for a dental insurance company that is not connected to one's employee benefits...dental work is so costly!! :-p

Anyone know of a good private dental insurance company?
Let me tell you a few thoughts on this.

First, call the dentists in your area and see WHAT THEY TAKE because you could pay for something no one takes. Know what I mean?

Also, read the plan carefully. Sometimes they offer coverage similar to the price you pay for it. What I mean is, if you add up your monthly payments for the insurance, and then subtract the deductable, etc etc etc, it may not be worth signing on for a year.

Lastly, if you can find a dental college in your area, or outside your area, you can often find very cheap rates and long lines. Something to consider depending on what you want done. I had a root canal done at one and the student was so nervous that I was upset, he was very, very careful and kind. I had a tooth pulled at the local overpriced dentist with a degree and he was a jerk who yelled at me and treated me rudely.
Reply:Sadly there is not as good dental insurance. AETNA is about as goo as it gets.
Reply:Basically, you are trying to get free money - something for nothing. Sorry, but it just doesn't exist.

An employer can buy dental insurance for a group, because the insurance company knows not everyone in the group will need much, or some won't go at all. That way, they get paid more in premiums than they have to pay out.

An individual will certainly use the policy (that's why they bought it), so in order to make a profit, the company must charge MORE in premiums than they pay out per year. Makes no sense.

The best thing you can do is put money aside in a savings account for dental work, or find a job that offers dental benefits. An individual dental plan that's worth what it costs doesn't exist because there is no profit in it.
Reply:You can get a dental plan from here: http://www.everyonebenefits.com/LMota
Reply:sorry no longer available
Reply:Recommend Blue Cross Blue Shield

www.bcbsil.com
Reply:I wish, let me know if U find one please.

What to look when I am trying to get medical and dental insurance?

2010-05-21T18:45:00.002-07:00

In the last couple of months I’ve been trying to get medical and dental insurance.

I don’t have much problem with my health but my wife gets medicine and needs some dental work. In my country everything works different when talking about insurance, I’ve been into a couple of websites, doing some researches but I still have some doubts about what exactly to look and get.

I want an affordable and good insurance so I can help my wife with her medicines and stuff, when she gets pregnant and in the future just in case of emergency.

What to look when I am trying to get medical and dental insurance?
I can't help you so much with medical, but as far as dental insurance, look at what the monthly premium totals for 1 year, vs the maximum payout for 1 year. Most dental insurances have a $1,000 to 1500 max for 1 year, meaning once you have more than that amount of dental work done, they pay no more until January of the next year usually. Many times, for single people, dental insurance is not worth it b/c the monthly premium is very expensive. If you have a family covered on that premium, it is more worth it.
Reply:Hi

Have you tried talking to a local agent in your area? This is usually a good approach because they will know the insurance companies and their plans well. They should be a great resource for you in your search.

If you want to connect with an agent in your area, complete the form below and one will call you and help get you started. Good luck!

http://www.insureme.com/landing.aspx?Ref...

Jared Balis

http://www.utahinsurance.org

I live in South Carolina and i need dental insurance desperatly! Can any one help me!?!?

2010-05-21T18:45:00.001-07:00

I live in south Carolina nd i need dental insurance prety badly. I need a lot of dental work done and i cant afford to pay for it all. I honeslty am at my wits end! I know that bad teeth lead to so many more health problems and i am getting worried! Help me please!

I live in South Carolina and i need dental insurance desperatly! Can any one help me!?!?
Have you ever looked into a discount dental plan? Come check out my site, sign up today and go to the dentist tomorrow $19.95 a month for the whole household!

www.mybenefitsplus.com/coberry

I'm sorry about the pain you have, lets get it taken care of~

Chrystal O'Berry

Program Specialist, AmeriPlan USA

240-418-3117

www.mybenefitsplus.com/coberry
Reply:could you find a dentist who would be willing to put you on a payment plan?having insurance is always best but there's no way to do it so quickly without a job that offers insurance?
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 http://bestfitdentalplans.com and keying in your zip code to see which plans are available in your area.
Reply:Check out this website.

www.healthsavings.ourperfectcard.com

I signed up with them online over 2 years ago for all my dentistry work. They have helped me save thousands of dollars from extractions, root canals, cleanings. I know for a fact that all services are included in the benefits. They had my membership active in 2 hours and was able to use the same day. I am very thankful.

Good Luck. Hope this helps

What company offers good dental insurance for an individual?

2010-05-21T18:45:00.000-07:00

My new job doesn't offer dental insurance and I want to make sure I am insured.

What company offers good dental insurance for an individual?
Most of the time, the only way to get really good dental coverage is through your employer. When you buy dental insurance as an individual, there are deductibles and co-pays and annual maximums that you need to analyze in order to figure out when and if you will actually save money by having insurance coverage. Some of the premiums I have seen make it almost impossible to realize any positive cash flow from the related policy. I mean, at $60 a month with $100 deductible and $1,000 annual maximum, you will have to take $820 out of your own pocket before you realize one penny of "profit" or net gain from your dental insurance.

Then you have to calculate the effect of co-payements. Check the figures and do the math yourself.

Be cautious about buying or choosing a plan where you do not have any choice about the dentist you can see, because you just might not like the dentist(s) listed on the plan and then you are stuck for a year until you can get out of it.

Be cautious about buying a so-called "dental discount plan," often mentioned on Yahoo!, since they also have restrictive lists and they really are not dental insurance at all. Just be careful and understand what you are buying.

For many people who just can't get good dental insurance, a regular savings plan sort of like a Christmas Club with $20-25 a month deposited into a dedicated account will pay off when you examine the return over a lifetime. You may run way over your savings at first, but once you get your mouth straightened out, your annual expenses should not be more than a couple hundred dollars most of the time.

For major treatment, dental insurance is no great deal anyhow. They limit you to $1,000-1,500 per year, subject you to deductibles, co-pays, etc. Imagine if you were in a car accident and your carrier said, "Yep, it's a total loss. Here's a check for $1,500. Good luck coming up with enough money to buy a new car." Dental "insurance" should usually be considered a payment arrangement where you give your dollars to a large company who holds onto them until you say the secret word and manage to get a few of them back.
Reply:Most do. Look for companies with at least 50 to 100 employees.
Reply:In order to find out which dental insurance is "right" for you, consider several things. Examine what services you will need, or what services do you think you will need? Can you make payments happily with your dentist?

One big factor is knowing what you're willing to accept.......Let's face it, you are not going to exactly everything you want, with nothing that you don't.... Know on which you will compromise in order to get the most service for the fairest rate.

One clue to watch for a bad insurance........any insurance that takes moneyout of your paycheck, while at the same time lists all work you need to have done as "pre-existing", thus refusing to cover it!.............that one happened to me!

Hope this helps you! If your company doesn't offer dental; you can always go to the dental clinic in your county. Even if they have to charge you, it's always on a sliding scale, based on how much you make.
Reply:A good benchmark for your research would be the AARP dental program for people over about 55. If you are younger you can still use the information to compare its pricing and coverage to other company's offerings.

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How much will a dental insurance home depot worker cover?

2010-05-21T18:44:00.002-07:00

how much will a dental insurance home depot worker cover?

like the average.. for orthodontics

How much will a dental insurance home depot worker cover?
Talk to your human resources department,they should be able to answer that for you or give you a booklet that tells you what your insurance will and won't pay for.
Reply:ask them and find out. answers is not an insurance homepage.
Reply:call your insurance company

How can i get dental insurance asap?

2010-05-21T18:44:00.001-07:00

my teeth are getting bad and i need some dental insurance.

How can i get dental insurance asap?
If you buy dental insurance they will most likely have you wait

a while before any major dental work can be done, thus

wasting time and money.

The other option for getting a break on the dental cost sooner is

to get a plan with NO waiting periods. Try one of the plans below.
Reply:The only decent way is to get a job where they give (or make available) dental insurance. There are no decent plans for individuals.

I don't have dental insurance, and I have a tooth ache?

2010-05-21T18:44:00.000-07:00

One of my molars hurts really bad, and I am most certian that I will need a root canal. I have medical insurance but not dental. Also, I only have about a hundred bucks. What should I do?

I don't have dental insurance, and I have a tooth ache?
Talk to your dentist to see if they have any kind of payment plan, there is a dental credit card out there called care credit that you can apply through your dentist.
Reply:I know you probably don't want to do this...but you can probably get it pulled for about a hundred bucks. Also, if you are on a fixed income, maybe you could look into getting insurance from the state, like Medicaid.
Reply:look for charitable organizations to help with the cost
Reply:well the stooges tied a string around it then to a door knob then slammed the door shut i actually tried this as a child and don't recomend it see a dentist and explain your situaion if there any good they will work something out with you
Reply:there is a dental plan that you can buy online that is a discount plan, i have it, and it really helps, i had a wisdom tooth removed and it was only 135 bucks, and it took forever for them to take it out. it is called national dicount plan, check them out you can only buy it online, if you have a credit card with anything available on it it is worth it, trust me, you could end up like i was and have an infection before they get the chance to remove it! not fun!

alot of the times they'll let you make payments too!
Reply:Drop me a line and I can help you with getting a discount plan for dental. frog2dollar@yahoo.com
Reply:Contact me - I can get you quality dental, vision and prescription benefits for $11.95 per month with Ameri Plan. willieshac@yahoo.com
Reply:A root canal can cost upwards of $600, so I suggest you get it pulled, if needed. You may only have a deep cavity, in which case the dentist will layer the cavity with different filling materials and you'll still be able to keep the tooth. That's what happened to me last year.

Does anyone have ehealthplus dental insurance?

2010-05-21T18:43:00.003-07:00

I am looking into a dental insurance and someone recommended ehealthplus. I looked at their website and i liked what I read. Now im just looking for a second opinion.

Does anyone have ehealthplus dental insurance?
I can definitely recommend http://www.everyonebenefits.com/40424269... Thay are the number one dental plan in the country. They are a company that helps people who can't afford retail on their benefits - everything from braces to vision for less than $12/month. There's no hidden fees, copays, deductibles or anything like that at all. They are a very reputable company and will save you thousands. Rather than paying expensive premiums every month, then deductibles and copays, you just pay a small percantage of what the dentist,etc. normally charges out of pocket and that's it! You won't find another company that can beat their plan, especially on braces. Check them out and please email me if you have any questions. They are a member of the Better Business Bureau. Good luck.

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Need advice on good dental insurance plan in California.?

2010-05-21T18:43:00.002-07:00

Hello,

I am looking for good dental isurance policy for one person. I currently work as a temp, and dont have insurance. I was looking to spend around $30 a month, is this too low? I need something that is rather comprehensive. Thanks

Need advice on good dental insurance plan in California.?
That is a tough question because much depends on region and personal circumstances. This ste gives free quotes for all types of insurance. Good Luck
Reply:If you need dental for yourself, with our company it will be only $11.95/month. Family coverage is only $19.95/month and we will cover everyone in your household. For the month of May, we will give you your first month FREE (only the household plan). For more info go to http://www.apdiscounts.com Report It

Reply:Check out Smilesavers. you should be able to get the info from any dentists office
Reply:I have found the source box to be a good resource for this type of insurance. There are a variety of ways to go about this so I suggest you research some of the companies for their offers.

Experience with Blue Cross Dental Insurance?

2010-05-21T18:43:00.001-07:00

I got a quote for just dental insurance from Blue Cross, has anyone used them before?

Experience with Blue Cross Dental Insurance?
I have a Blue Cross plan and my particular plan covers my regular check ups and some dental work very well. However, you need to be aware that each company has several different plans with different levels of coverage so check out the plan you want to buy. You need to think of more than just the monthly premium but also the deductables and what percentage you will be responsible for and also what level of coverage you will need ie: if you need extensive work or if you are more mature and may need dentures/fixtures soon. You should get a complete layout of the plan before making a commitment. I know its a long process..good luck!
Reply:Make sure you go to a provider for the company. They sometimes cut your benefits amount if you go out of network, they sometimes add more insult by paying a reduced amount, and they sometimes pay nothing if you ar enot at a provider. USe that word when you as provider don't let anyone say I can file that for you. it is a really big diffenrence.
Reply:Blue Cross offers quite a range of plans and policies.

First, be sure your plan is adminstered by Blue Cross and not some 3rd party adminstrator.

Secondly, your policy could be a PPO, HMO or regular indemnity plan, which could effect your copay, depending on whether you are seeing a participating dentist.

If you have any questions, contact your members services on your card.
Reply:Blue cross do offer quite different products. Personally I've never used them before.

You can visit http://www.cheap-credit-cards.org/insura... for more dental insurance plans

My daughter has no dental insurance were she works and she needs at least two root canals.?

2010-05-21T18:43:00.000-07:00

We live in Portland Oregon and I was wondering if anyone else doesnt have insurance what do they do about dental work? We do have a denatl school but Im not sure if they do a good job because she has been there before when she was little and they botched the job?

My daughter has no dental insurance were she works and she needs at least two root canals.?
Sorry about your daughter's situation.

Hard to advise you from 'across the pond' as we live in the U.K.

Re: DENTAL HEALTH ... We are very lucky to be National Health Service patients, registered with the same dentist since 1978, so that he has kept us on his list (we have become friends in all that time!).

Many people in the U.K. cannot find a dentist that will give them 'free' or 'NHS subsidised' treatment.

Private fees are astronomical to ordinary folk so we tend to revert to visiting Dental (Teaching) Hospitals where the treatment may not be up to Private standards, but is generally adequate, if you don't mind receiving injections and treatment from relatively inexperienced students!

I watched "First Do No Harm" the other night (Meryl Streep / Fred Ward / Seth Adkins) and was, as ever, horrified at what American citizens have to cope with when they are too well off to get 'relief' but not well off enough to be fully insured, or able to meet all their costs with, or without, insurance!

Our N.H.S. is very far from perfect, but it is still, mostly, FREE and based almost entirely on patients' NEEDS, not (at all!) on their MEANS!

Best wishes,

OLLY x

[My family's experiences of the NHS have ranged from O.K. to incredibly good over the past 30 years - we wonder why so many U.K. people can only kick holes in the NHS!]
Reply:there are dental offices that offer financing and payment plans, other than a dental schol that is the only other option I can think of
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 http://bestfitdentalplans.com and keying in your zip code to see which plans are available in your area.
Reply:I would encourage you to visit this website.

www.healthsavings.ourperfectcard.com

I signed up with them online over 2 years ago for all my dentistry work without age limits. They have helped me save thousands of dollars from extractions, root canals, cleanings etc... I know for a fact that all services are included especially orthodontics and cosmetic surgery in the benefits. They had my membership active in 2 hours and was able to use the same day. I am very thankful that I found them. They shoud be in your are since they are nation wide

Good Luck. Hope this helps
Reply:You should try going to a major dental school. Usually, dental schools charge less for dental treatment and they will assist you with affordable payment plans

Personally, I'm currently getting my dental treatment at the University of Michigan Dental School and I get dental treatments at a much cheaper cost than a traditional dental office.

Good Luck
Reply:Managed Dental Care Plans: Your dentist receives some money each month from your insurance company. In turn, your dentist must meet all or any of your dental requirements within an agreed time frame. The problem that these plans have is that the dentists your insurance company chooses can have one clinic, making it difficult for you to meet the appointments. http://www.freewebs.com/getanswer/Dental...

How much will a dental insurance home depot worker cover? like the average.. for orthodontics?

2010-05-21T18:42:00.003-07:00

how much will a dental insurance home depot worker cover? like the average.. for orthodontics

How much will a dental insurance home depot worker cover? like the average.. for orthodontics?
If you click on the following link, and enter a search for Home Depot, it seem to provide tons of evidence that the benefits package is poor, and is frequently being even further reduced:

www.ripoffreport.com

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Im looking for a dental insurance not discount plan, that...?

2010-05-21T18:42:00.002-07:00

has no limit on yearly cap on services, low monthly premium, and very minimum to pay on the dentist visits? Any such dental insurance out there?

Im looking for a dental insurance not discount plan, that...?
Sorry, but what you are looking for doesn't exist.

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. However, it doesn't sound by your question that this is an option.

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. Ask around about the school you might be considering, many people report good results and many people will not ever go back to them again. Expect a 10% to 30% discount off of the average cost.

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:Try looking up Delta Dental.

I need some dental work and i dont have dental insurance what should i do because i think ill beed braces??

2010-05-21T18:42:00.001-07:00

im 21 and dont have dental insurance my teeth r kinda messed up and off align and i wanna get them fixed because appearnce will contribute a lot in my future career out of school, what should i do because i need to get them fixed.

I need some dental work and i dont have dental insurance what should i do because i think ill beed braces??
There's a company called AmeriPlan USA. They have a great discount dental referral service. It's not a health insurance, per se, but they have a program that gets you EXCELLENT discounts on braces, etc. (For $11.95 per month) They have a plan where you can get braces for about $2,500.00, but you don't have to pay it all at once. You get to pay over time by paying a certain amount per month. They also have vision, health, prescription, and chiropractic plans as well. I hope this helps you!
Reply:I actually know this works because I use this plan myself. Report It

Reply:If you need dental for yourself, with our company it will be only $11.95/month. Family coverage is only $19.95/month and we will cover everyone in your household. For the month of May, we will give you your first month FREE (only the household plan). For more info go to http://www.apdiscounts.com Report It

Reply:They have a credit card used for dental, vision, and vets that you can apply for. It's called care credit. There is no interest or fees so you can do a little at a time and pay off the card in between each visit.
Reply:Go to your local health department. Where I live its an option.
Reply:when i had to get braces on my daughters teeth we had no insurance either. the orodontist had a couple of payment plans and he went over them with me. i took one that i made payments on and the payment swere about $37.00 per month. ask yours he can help!
Reply:most dental work these days have a pretty hefty price tag......fortunately, there are now discount benefits available where you can save from 25% to 80%--it's like having a grocery store discount card and they also come with additional discounts on vision, chiropractic and prescription at no additional charge.

You can see one at www.mybenefitsplus.com put 40456126 in the code box and you can search other sites

Where can i get dental insurance?

2010-05-21T18:42:00.000-07:00

I have a job that doesnt cover dental and I go to school(no coverage there) and soon or later I need to get braces but right now I have two wisdoms I need removed.

I never done this before so I really dont know where to start insurance wise.

Where can i get dental insurance?
first u have to remove both wisdoms before the braces not one of them....

if u came to my clinic i can help u as much as i can.. u can contact me....

please give me the best answer
Reply:Well there are some dentist that may work with you on that. There are some discounted companys that you can sign up with. I help alot people out with this type of stuff. Ameriplan has helped over 60 billion people get the help they need. They have a dental discount program that you can sign up for and it's only $19.95 a month, plus you get free vision, pharmacy and chiropractor care for free!! You will save up to 80% on most procedures. Check it out and see if this would be a perfect match for you. www.mybenefitsplus.com/wishes.

What is some good dental insurance?

2010-05-21T18:41:00.003-07:00

What is a good and affordable dental insurance?

What is some good dental insurance?
Individual dental insurance plans are usually not affordable. The next best thing are affordable discount dental plans. While not dental insurance, they offer steep discounts at numerous dentists. Go to http://www.lowpriceddentalplans.com to see which plans are available for your zip code.
Reply:Depends on what exactly you are looking for. Please keep in mind in addition to dental insurance there are dental discount plans which may be cheaper and offer substantial savings. It just depends on what level of work you need on your teeth. If i were you I would "yahoo search" the pros and cons of each.

Hope this helps.

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"Does anyone know of Dental Insurance for Adults?'?

2010-05-21T18:41:00.002-07:00

I am 29 years of age. I would like to get Invisilign done to my teeth. What would be an excellent Dental Insurance for my teeth. It has to be a low rate.

"Does anyone know of Dental Insurance for Adults?'?
Most cosmetic Work is not covered by insurance plans. Your best bet would be to check with local dentists in your area to check costs and see if payment plans are offered. I was a patient of BrightNow Dental ( I believe these offices are located throughout the U.S.) and they offered competative prices and also offer a line of credit ( a dental credit card ). If you are low-income, you could look into your state or county medicaid program, but they may not cover this service either. I know in Ohio, medicaid won't even cover a root canal.
Reply:Does your employer not offer a health/dental insurance plan?

If you are a student, doesn't your school offer one?

In either case, you need to shop not only by price, because a cheap plan may not cover an advanced treatment like "Invisalign" or may only pay 1/3 to1/2 of the price,
Reply:Most insurance won't cover invisalign, orthodontia, implants, veneers, or cosmetic procedures.
Reply:Unfortunately, very few (if any, really) insurance plans would cover braces, as they're not medically necessary- they're considered "cosmetic".

I advise this to other folks asking money-related dentistry questions on this site, but you might consider a dental school, if your area has one. The prices are often around a third the price of a private practice.

Check out www.ada.org for more info.
Reply:theres some dental insurance faq at

www.imflatbroke.com/dentalinsurance

I don't have dental insurance what can I do?

2010-05-21T18:41:00.001-07:00

I just turned 23 so Im off my mothers dental insurace. What other options do I have? I am currently working part time and insurance is only offered to full time employees.

I don't have dental insurance what can I do?
Take really good care of your teeth until you have insurance again. You can go with far fewer cleanings if you are diligent with your oral hygeine and using effective toothpaste. You also need to maintain a healthy diet. If you have a good relationship with your family dentist, I am sure they will work with you if you get into an emergency situation. Also, you can get good, affordable care at a dental school, or get cleanings through a hygeine program if you have any near you.
Reply:BRUSH BRUSH BRUSH.

My parents don't have dental insurance, we added it up, and it wasn't cost effective for our family
Reply:most dentist are willing to put you on a payment plan, especially if you are already established with them. I would call and ask before the appointment.
Reply:my advice would be to get a job with benefits asap. individual dental insurance is unaffordable to most. if this is not an option i would try to make a payment plan with my dentist (that's what i do, no dental is available for me). most dentists will do this for you (if they've known you a while) they are aware that dental procedures are very expensive. best of luck!
Reply:Dental insurance is usually a rip off anyway because it has an annual maximum of what it will pay. For what you spend on insurance premiums, you could just pay to have your teeth cleaned every 6 months. If you do that, odds are you won't have any serious dental problems anyway. Call around to different dentist offices and see what they charge for a cleaning. I'm assuming you aren't having any problems since you didn't mention any. Pick the most reasonable price, but go with someone you can get a recommendation on as well.
Reply:Let your dentist know ahead of time. Compare prices, shop around, ask questions. Sometimes dental offices are willing to put you on a payment plan. Keep up your part-time job, but continue looking for a full-time with benefits. There is also dental insurance plans you may take out privately, but the are very expensive and have very minimal coverage. Just whatever you do, take care of your teeth :-)
Reply:Rachel,

Is there a dental college in your area? If so, the dental students will be able to clean your teeth and diagnose (and possibly treat) any potential problems, for a greatly reduced fee.

I know several people who have used this resource.
Reply:Don't worry about it to much dental insurance is kind of a scam. Unless you need major dental work done it is not worth the money. If all you are doing is having cleanings twice a year and x-rays once a year, then it will not be much. I know my dentist only charges like 80 for a cleaning and like 130 if and when he does x-rays. So I would just start saving some money. Put back money for a time until you get like 5 thousand in a savings account. That way if you should ever need some serious dental work you will have the money for it. Other wise I would just call your dentist and see how much your cleanings will be and how much the x-ray will coast.

Wisdom teeth, cleaning and dental insurance?

2010-05-21T18:41:00.000-07:00

A bit of my wisdom tooth's roots are in the bone.How will it be extracted.....i'm too worried....will it hurt afterwards and take a lot of time to heal?

How can u clean your teeth effectively so that no cavaties are built?

I reside in Chicago, can I get a nice dental plan without the heath insurance?Which one is the best?

Wisdom teeth, cleaning and dental insurance?
You really need to see a dentists soon to relieve you of

your worries. Best dental plan for the Chicago area

is the eHealthPlus membership. There are no waiting

periods so you can get services right away.
Reply:Re: wisdom teeth - all roots are in the bone, you probably refer to impacted wisdom teeth. Oral surgeons do this procedure all the time so there is nothing to worry about. Most suggest gettting it done on a friday so you have the weekend to recover. Yes it will hurt, but not unmanagable. One bit of warning from personal experience- don't take the prescription painkiller (if given) untill absolutely necessary, if at all. They tend to make you sick on the stomach and the last thing you want to be doing is heaving after having wisdom teeth out- that DID hurt.

Re: cleaning - Brush and floss a min of 2 times a day, optimally after every meal. See a dentist for a cleaning 2 times a year.There is no guarantee to be cavity free even with superb hygience, good diet and regular visits to the dentist, but it does reduce your chances of cavities.

Re: insurance. Most individual insurance plans are hard to find, and when you do, they are not great. If you dont have a lot of dental problems, it may be cheaper or you would break even by paying out of pocket for 2 cleanings a year ($200 or so). You may pay more or about the same in your premium and copays.
Reply:Hi Dolly,

With regards to your request for dental coverage. Here is a solution for you:

http://www.qualitymedicalcare.org

You can sign up for coverage at that site as well and go to the dentist immediately!

It is awesome!

Good luck!
Reply:When you don’t have money to get the care you need:

http://www.nlm.nih.gov/medlineplus/finan...

http://ask.hrsa.gov/pc/

http://www.omhrc.gov/templates/browse.as...

http://www.hrsa.gov/help/default.htm

http://www.thefrugallife.com/medicalalte...

http://www.google.com/search?q=Free+Low+...

Free and low cost prescription medication:

http://www.nami.org/Template.cfm?section...

http://www.themedicineprogram.com/links....

This is about FREE hospitalization, if you need it and they WILL help you!

http://www.hrsa.gov/hillburton/default.h...

Hill Burton Hotline

1-800-638-0742

(1-800-492-0359 in Maryland)

In 1946, Congress passed a law that gave hospitals, nursing homes and other health facilities grants and loans for construction and modernization. In return, they agreed to provide a reasonable volume of services to persons unable to pay and to make their services available to all persons residing in the facility’s area. The program stopped providing funds in 1997, but about 300 health care facilities nationwide are still obligated to provide free or reduced-cost care.

http://www.hrsa.gov/help/default.htm

How to apply for Medicaid or medicare

http://www.cms.hhs.gov/MedicaidEligibili...

http://www.aarp.org/money/lowincomehelp/...

For information about Social Security, Medicare, and disability benefits, call the Social Security Administration at 800-772-1213.

http://www.ssa.gov/

For information about Medicaid, contact your local social service or welfare office. You can also find information about Medicare and Medicaid at www.CMS.gov

How To Pay for Mental Health Services

http://mentalhealth.samhsa.gov/publicati...

http://depression.about.com/cs/findadoc/...

Additional Public Benefits for Families Raising Children: http://www.nlm.nih.gov/medlineplus/finan...

DENTAL HELP:

Free or low cost dental care United States

http://www.nidcr.nih.gov/NR/rdonlyres/53...

http://www.raconline.org/info_guides/den...

FREE AND LOW COST DENTAL HELP FOR DENTURES , BROKEN TEETH , PAIN , ETC.

http://dental-assistance.app-sl-1.aidpag...

Need eyeglasses or eye care?

http://www.nei.nih.gov/health/financiala...

http://www.uniteforsight.org/freeclinics...

How to Get a Free or Low Cost Pap Smear, The National Breast and Cervical Cancer Early Detection Program provides free or low cost Pap smears to eligible women across the country. Through this program, uninsured and impoverished women can receive Pap smears at local clinics and doctor's offices.

Here’s a list for every state:

http://cancer.about.com/od/screeningandd...

Where can I go to get free or reduced-cost prenatal care?

You can call this number if you need free birth control help, too!

Women in every state can get help to pay for medical care during their pregnancies. This prenatal care can help you have a healthy baby. Every state in the United States has a program to help. Programs give medical care, information, advice and other services important for a healthy pregnancy.

To find out about the program in your state:

· Call 1-800-311-BABY (1-800-311-2229) This toll-free telephone number will connect you to the Health Department in your area code

· For information in Spanish, call 1-800-504-7081

· Call or contact your local Health Department.

I am looking for dental insurance?

2010-05-21T18:40:00.002-07:00

I am looking for dental insurance on line is there any body have a website that I can look up that have a good deal?

I am looking for dental insurance?
Dental PLANS are a farce, most offices do not participate with them. The offices that do are usually the discount chains and the quality of dentistry you receive from them is poor at best.

Dental Insurance varies from state to state, and insurance co. have several different policies, some cover a good portion, some do not.

If you can't afford the dental insurance policy looking for one of those dental plan is throwing away what little money you have.

No dental policy or dental plan that is a "good deal" will pay beans. You are better off to pay out-of-pocket abnd forget the plans and policies
Reply:I have never found any non-group dental insurance but there are discount programs that are very good and have saved me thousands of dollars. Go to http://www.dentalplans.com / and look over the many plans available.
Reply:You don't mention what state you are in. That makes a difference. Keep in mind, dental insurance maximum coverage amount is between $750 - $1500. Major services may be excluded for the first 12 months. Depending on what you need the coverage for, you may be paying more out than your getting in benefit for the first year.
Reply:I have ameriplan dental and I get great savings. The website is http://www.mybestdentalbenefits.com

asp

Where is low cost dental insurance programs?

2010-05-21T18:40:00.001-07:00

I HAVE HORRIBLE TEETH, WHERE IS A LOW COST DENTAL INSURANCE PLACE OR MONTH TO MONTH PAYMENTS

Where is low cost dental insurance programs?
Try Dental Plus 1-800-925-7199
Reply:Try Delta at 1-800-452-9310 or

Horizon BCBS 1-800-4-DENTAL

How much will a dental insurance home depot worker cover? like the average.. for orthodontics?

2010-05-21T18:40:00.000-07:00

how much will a dental insurance home depot worker cover? like the average.. for orthodontics

How much will a dental insurance home depot worker cover? like the average.. for orthodontics?
Well, I live in the US and we have insurance through the hospital where my husband works and it covers 75% on most things and (I think) 2 cleanings a year.

I don't know if that's any help or not. You might be able to find out by calling the Insurance company themselves or your Benefits office.

Is There an Affordable Dental Insurance Plan Available??

2010-05-21T18:39:00.003-07:00

I would like to have my teeth worked on however I do not have dental insurance, are there any good ones?

Is There an Affordable Dental Insurance Plan Available??
there are some plans, you have to weigh the cost of the monthly premium aagainst what it pays for. A lot of the policies are worded-" pays 100% of cleanings and preventive-" and then gives you a 80%for fillings, perio work and extractons, 50% for crowns and bridges and dentures. You must ask questions!

100% of what they allow may be only $30 of your $240 cleaningYour part then becomes the remaining 210 and you paid a premium to the insurance company. A lot of individual policies also have a year waiting period or longer for anything other than a cleaning. Some times it is a really good idea to look for a loan that will pay the dentist in full- Care Credit is online and you apply for a credit card that can be used at participating medical. dental, eye docotr etc. I am sure they are other companies as well, and your dentist may have just one he works with , so call ahead. Group insurnance is usually the best through work place for benefits, but even that can get tricky with going to the right provider( a dentist who has agreed to do the work for the allowance fee of the insurance company.. ) If money is an issue always ask for a predetrimination from the dentists. You can call the customer service number yourself on your policy and give them the insurance codes and find out if you are going to owe a ton or not for procedures. Their are sometimes clinics available that do work for a sliding fee- just ask any office you call, or ask your church if they have a connection to a dentist or clinic.
Reply:Yes there are many good ones. How much dental work

do you need done?
Reply:Basically no. Why would you be buying dental insurance if you weren't planning to immediately use it?

What you typically find is a discount program that may disclose and limit the costs of certain procedures, like x-rays and fillings. But it's not insurance and probably won't cover more costly services.

Is there a university with a dental school nearby? If you aren't looking for anything major, they may have a low-cost clinic.

Do you know of a good dental insurance that covers braces?

2010-05-21T18:39:00.002-07:00

I need a dental insurance that covers getting braces (in a adult not child). Do you know of one?

Do you know of a good dental insurance that covers braces?
Lots of dental insurances cover orthodontia, most, however, have a lifetime maximum of usually about 2000.00. Private insuraance is expensive, and doesn't usually have a high routine maximum, and no coverage for orthodontia. This is for Canada. Not sure about the US.
Reply:aenta
Reply:I just got a FANTASTIC dental plan through my work via an option with my health insurance, even that one ONLY offers only a discount of 1,000.00 for braces and that is when a dental provider they say is approved for it. I don't know of ANY other insurance that offers ANY coverage on this. It is something that CAN and does have payment plans though.

My daughter had to have them and it cost over $4,000.00 total but I had to put some of the money upfront and the balance was paid at $120.00 a month. Talk to the orthodontist of this type of plan if you don't find insurance to cover it. I would ask about making some type of arrangement.
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 http://bestfitdentalplans.com and keying in your zip code to see which plans are available in your area.

flip flops

How do you go to the dentist without dental insurance?

2010-05-21T18:39:00.001-07:00

I currently have no insurance. I will receive health insurance after the first of the year, but it does not include dental. I am trying to figure out how to go to the dentist without dental insurance.

How do you go to the dentist without dental insurance?
Call and ask the nearest dental office if payments in instalments are accepted, than go and pay by cash, or cheque; if necessary pay the whole amount by a credit card. Also, the dental schools allow their students to practise under supervision and the patients get the low cost treatments. Good luck.
Reply:cash or credit card
Reply:Uhhh....cash works.
Reply:Well, there is no way unless you pay. Welcome to America,.
Reply:For a cleaning see...local community college dental hygiene program. They are looking for patient to help students with hands on cleaning. Its a great cost savings on general cleanings. Also for major dental work...see a major university dental program in your area. All work is being supervised by professional faculty dentists. A huge cost savings for those who do not carry dental insurance.
Reply:Join the crowd. I have always been covered by health insurance and unfortunately it never included dental. I go to the dentist twice a year for regular cleanings. Its really not that bad. If you have to have lots of work done make sure you have a credit card of some kind.
Reply:I am a general Dentist. Nearly half of the patients that come to my office do not have dental insurance.

This does not prevent them from coming and receiving the same excellent care.

The only thing insurance does for you is either cover a portion of your bill, or in some cases negotiate a volume discount with the dentist.

Any dentist will be happy to see someone without insurance, and in fact most of them prefer to deal directly with the individual and not with third party payments.
Reply:Check with dentists in your area and see if any of them will accept a patient without insurance and be willing to take payments. Also, if you have a college in your area that has a dental school or dental hygentist school in it, they love to have people like you come in so they can practice. YOu will either have to pay nothing or very little. Hope this helps.
Reply:You pay full price. You can usually make payments in installments tho'.
Reply:I use Mastercard.
Reply:There are discount plans out there. Try Ameriplan...or similar plans. There is also Care Credit which you apply for like a credit card, if you have good enough credit you will get a pretty good spending limit which you can use at a lot of dentists and doctors offices.
Reply:Many, many insurance plans don't cover dental expenses. I recently had to pay $1000 to cap a tooth %26amp; I borrowed it from my credit union. I finally caved in %26amp; eff Nov 1st now have dental insurance which is costing me $50 per month %26amp; will go up considerably after one year.

So it's cash up front, credit card or loan. Rude awakening, isn't it?
Reply:Just make an appointment and go. You don't need dental insurance to go to the dentist.
Reply:I save money using a dental discount plan. You can check out the following website for more information.

http://www.wehavebenefits.com
Reply:Cash, payment programs, and a good discount program will work. See below if you have further questions.

If you don't have dental insurance, is there some other way ur saving $$ on dental care?

2010-05-21T18:39:00.000-07:00

Because it seems like not too many ppl even have dental insurance these days.

If you don't have dental insurance, is there some other way ur saving $$ on dental care?
The very best way to save on dental expenses is to use a dental school in your area. If you qualify as a patient, dental care is provided at drastically reduced rates. Care is provided by under-graduate or graduate students, under the supervision of medical school professors.

If you still wish to obtain your care from dentists in private practice, I provide links on my site to discount dental cards on my site - http://www.health-insurance-low-cost.net...
Reply:Brush your teeth 3 times a day.
Reply:My company have dental allowance for $250 per year.
Reply:yep this one guy in this dark alley I call him Bill
Reply:Go with something like signature dental plan, are ameriplan, they are discount dental groups. Not insurance, but you save a LOT of money.

If you don't have dental insurance, is there some other way ur saving $$ on dental care?

2010-05-21T18:38:00.003-07:00

Because it seems like not too many ppl even have dental insurance these days.

If you don't have dental insurance, is there some other way ur saving $$ on dental care?
You can try a dental school in your area. They often use people to practice procedures on (with an professor present of course).
Reply:There are discount programs, that are not insurance, that you can get. A few dentists we looked into used them, and it discounts each kind of treatment/visit. I don't remember the names of them, but do a search online. There was a big website that compared/contrasted the different dental discount programs, and showed you how much each one was annually. They were pretty cheap (like $100 a year). We never joined bc we went with a dentist who didn't take them.
Reply:yeah-you could put your house up for a second mortgage...as retarded as that sounds, Oxford Insurance Company suggested that to my Mom a few days ago when she said she couldn't afford their premiums....irregardless of what Republicans say, I'd pay higher taxes in a heartbeat if it meant my middle-class Mom and Stepdad could afford to see a dentist without putting their house on the line...ROCK THE VOTE!!!
Reply:As has been mentioned above you can try a dental school...

BUT if you know of a clinic in your area for people without health insurance (Like http://www.howardbrown.org) then you can get a referal from them to a dentist that works on a sliding scale.

I can honestly say that if my Uncle were not a dentist then I wouldn't have seen one in the last 10 years...

No health coverage really stops a lot of the "Standard" stuff...

Good luck!
Reply:There are dental discount plans that you can purchase for as little as $6.95 a year.
Reply:I use Ameriplan. It works great. Check it out they have low priced plans to higher end plans. You can check out there plans here www.everyonebenefits.com/40537035
Reply:You might be better off with a discount dental plan. I am self-employed and I saved $420.00 last year with one. I would go tohttp://bestfitdentalplans.com to see which plan is the best for you.
Reply:Check out this website.

www.healthsavings.ourperfectcard.com

They have help me save alot of money on my dentistry work and they have coverage nation wide. Its very affodable with all preexisting conditions accepted.

Good Luck
Reply:You can say that again, and it's one of the most expensive treatments to get these days. Do you know how many people literally don't get regular (and needed) dental care just because of how expensive it is, and because there are not affordable dental insurances out there? I mean, if you don't work for a large corporation that offers free benefits to its employees, your almost crap outta luck. And that's real sad. I had beautiful teeth for the majority of my life. Then, being in my 40's now, my teeth are going downhill because I can't afford "expensive" dental care when the problem arises. Then it gets wors and worse, next thing you know, you gotta get the tooth pulled because it didn't get the care it needed in time. And that's not good - losing your teeth. We need just about every tooth in our head (except wisdom). Trust me, after you've had at least 1 or 2 chewing teeth pulled on each side %26amp; top %26amp; bottom, eating your meal is just NOT the same. You can't chew anymore hardly!!!

We need affordable DENTAL CARE (%26amp; HEALTH CARE) for the struggling %26amp; middle-class AMERICANS ....... Where is our government when WE need them? It would be nice to get some help at HOME, instead of the help going to the other third-world countries, for a change. Now let some Iranians, Iraqs, or Indians come over here from the Middle East, and just look at all the help they get. If most people knew the truth, they would be very angry. They sure get loans a lot easier than we do! And low interest, too. That sucks. There are these dental plans out there, and I've researched a few of them; thank God they do exist. But even if you have one of those plans, it still costs hundreds of dollars for treatments such as crowns, bridges, root canals - the very things that "save" our teeth! Most people are living paycheck to paycheck, and can't afford $200 - 800 for one tooth to be saved, although we want to save it! What are we supposed to do? I've been doing without, and trust me - that's certainly not the answer! I've been looking online for an AFFORDABLE dental "Insurance" (NOT dental savings plan) that pays 80% of the bill, not save me 3% off my bill. That's not near enough savings for struggling Americans.

If you don't have dental insurance, is there some other way ur saving $$ on dental care?

2010-05-21T18:38:00.002-07:00

My company does not provide dental insurance. Anyone know of private group dental? Not those fake plans.?

2010-05-21T18:38:00.001-07:00

I was looking around and don't see anything, but would like real dental insurance.

My company does not provide dental insurance. Anyone know of private group dental? Not those fake plans.?
look reviews about health insurance plans : http://www.healthup.us/Choosing-a-Health...
Reply:Yes, there are several, like Delta Dental, but they are pretty expensive for what you get when you purchase them privately.
Reply:HSA is good .

Might be an idea to ring them on their 0800 number first and ask them your own questions you might have.

www.hsa.co.uk
Reply:Try a dental college in your area. My parents go to one and it is half the price of a regular dentist. They may have a payment plan and the one my parents go to has no interest.

Infected tooth that hurts! No Dental insurance. HELP!?

2010-05-21T18:38:00.000-07:00

My dentist told me a few years ago to remove my wisdom teeth because they didnt have room to grow. I was a baby about it and didnt do it. Now, 5 years later my bottom left wisdom tooth is giving me problems. It gets sore and the other day I think a popcorn kernal got stuck in my gums surrounding the tooth. I brushed and flossed and then next morning my face was very swollen. (It looked like I had a golf ball in my cheek) I have since been to the ER and given an antibiotic and pain meds. My question is... I do not have dental insurance and will not be eligable at work for at least 5 months. If I finish my antibiotics to clean out the infection, can I wait that long to have the tooth pulled? I am in pain now, but have been taking pain meds for it. Im scared about not having dental coverage and Im not financially stable. Can you please tell me what to do? At least tell me what I can do until I can afford to see a dentist? Can the infection spread or some back? Thanks

Infected tooth that hurts! No Dental insurance. HELP!?
An infected tooth, or abscess as they are called are extremely painful. Antibiotics and pain medication will eventually help the tooth become less infected but once you stop antibiotics the infection WILL return and is usually much more painful the second time around. You should not wait five months to have this tooth taken care of as infection from an abscess tooth can spread to the throat causing an airway obstruction and can spread to the heart and brain and cause very severe problems and sometimes fatal complications. As a dentist we always recommend trying to save the tooth by having a root canal, but in a financial situation an extraction may be your best choice. PLEASE see a dentist in your area to discuss a treatment as this can become extremely painful and serious. Also try using COLD compresses, do NOT use heat as this can cause the infection to worsen and spread and become more painful. Try finding a dental college in your area. PLEASE do not take the advice from "Overseas Dentist" below, once you take your antibiotics you will not gain 6 months to two years of relief from your infected tooth. You will get pain relief once the antibiotics begin to work on the infection, but once you stop taking them the infection will return and is usually much more painful and severe. PLEASE by all means see a dentist as soons as possible.
Reply:There are dental clinics that have sliding scales. I would try and get it out, it could cause problems for it's neighbors if you keep it in too long. You could also try a dental school.
Reply:Dental infections can spread and end up in the heart and finally the brain. So, go to the local county hosital or if there is a dental school go there. You need help and the hospital will make arrangements for time payments. Your health is a priority.
Reply:See if your dentist has a CARE CREDIT PLAN you can sign up for.It's like a credit card with no interest.
Reply:Dental schools offer low cost or free care--call one now as the wait may be long. Yes, the infection can spread %26amp; can come back. Keep a very close eye on this--any increase in symptoms you need an ER to give you more antibiotics. Some dentists will also work with you. Look for free clinics, county facilities, low income medical services, etc and ask for a referall.
Reply:Try a free clinic ... they can advise you about the current condition of your tooth.

As far as getting the thing pulled, I've heard of people going to local universities with dental school programs. I guess that they are affordable and they'll get the job done under proper supervision.
Reply:Check with your local dental college. They may be willing to do it at a very affordable cost. Otherwise, get out the Visegrips! Just kidding!
Reply:Ok look, this is the worst kind of pain, If you have an infection you could actually die from it. A boy not too long ago died because the infection can travel in your blood stream to your brain and kill you. Taking the antibiotics is good because it will kill the infection for now, but it will be back in a few months. Try to get the tooth pulled. Call dentists in your area and ask them if they work with uninsured patients for extractions.

I had to do this and I found a dentist in my area that did it for 40 dollars. It was relatively pain free and definately affordable. Goodluck cuz i know i feel your pain!
Reply:Is there a dental school near you? If so, they can do it least expensively. And they are watched and monitored very closely, you can even ask to be sedated. I had all 4 of my wisdom teeth pulled at once. I didn't feel a thing! I was scared thought, but honestly, I never feel anything more that the needle from the sedative, even hours, and days later. I never felt a thing. If there is not dental school near by, just call you dentist had have him/her refer you to a dental surgeon, they do this all the time any the know how to deal will scaredy cats. Call ahead and explain your situation, see if you can make financial arrangements to pay.
Reply:you may have to go on antibiotics over and over again and there is no guarantee that you will be able to last 5 months. If you are in an area where there is a university with a school of dentistry, you may be able to get it done at a reduced rate. All the work is supervised by resident dental surgeons, so you will get very good care.

Otherwise you could discuss a monthly payment plan with your dentist- it should only cost a few hundred dollars.
Reply:go to a school that teaches dysentery they do it cheaper.
Reply:Your priority must be your antibiotics and you must regularly use your antibiotics. Your dental pain will decrease to reasonable level second or third days of your antibiotic' usage. You will gain 6 months to 2 years time until your next dental pain. I strongly advise you to solve your problem ASAP because delaying your dental treatment will cause more problems and more costs than you think.
Reply:Try to find a free dental clinic. If you cannot find one, try to find a dental school to get great services at low cost. If you cannot find one, then try this:

But make sure that you have dentists in your area by checking under 'Provider Search'.

Ger details here:

http://mybenefitsplus.com/wpaul

Has anyone ever tried this dental insurance: united dental, or know anything about them?

2010-05-17T21:01:00.001-07:00

Here is a link: www.uniteddentalonline.com , I'm looking for good, cheap dental insurance, but I don't want a rippoff. Any feedback is appreciated, thanks

Has anyone ever tried this dental insurance: united dental, or know anything about them?
They are a dental discount card, not insurance, and although I don't know this one in particular and they might be OK many are scams and the companies start up, get your money and go out of business regularly.

You have four options with dental.

1. 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.

2. 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.

3. 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.

4. 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:please try this

%26lt;a href="http://www.jdoqocy.com/click-17481... target="_top"%26gt;help!%26lt;/a%26gt;

%26lt;img src="http://www.tqlkg.com/image-1748196-...
Reply:I use the company below. They cost $11.95 per month and they really have saved me money. There not insurance so your not restricted and they even allow cosmetic work done.

You save up to 80% on your dental work along with that our family uses the Free prescription card, Free Vision and Chiropractic card they offer free on top of the dental benefits.

I would check them out. Our friend use them and they are really pleased.

Good luck to you.
Reply:This is what we use.

http://www.mybenefitsplus.com/JBurke

It’s a discount card, saving you up to 80% off service for medical, Dental, Vision, and Prescriptions. Just an example, my husband was looking into eye surgery, and his doctor was charging $5,000, we showed him our card and the price when down to $2,700. It’s great for those, like us, who can’t afford traditional insurance.

How can i get dental care with no insurance?

2010-05-17T21:01:00.000-07:00

i need dental work done but have no dental insurance. any ideas?

How can i get dental care with no insurance?
Bring a great deal of cash, or a credit card with a big limit.

Or you can promise your first born....
Reply:ooohh ummm. research it on the internet.
Reply:U can't.
Reply:You will just have to pay out of pocekt. Depending on where you live, the state may give you some type of discounts or insurance if you are eligible.. and there are some companies you can become a member of (small fee per year) and get discounts on your dental and vision services!

Good luck!
Reply:Ask at the local social services office. Some counties or cities offer free or reduced price dental care at a clinic.

If there is a college nearby that has a dental or dental assistants program, they often have clinics that do care at reduced prices as part of the training of their students.
Reply:You can get any kind of dental work you need, whether or not you have dental insurance. This makes no difference at all to the dentist.

I will, however, make a difference of what you will pay out of pocket. Dental insurance, unless it is provided as part of a benefit package where you work, is not cost-effective.

Beware of so-called dental discount plans which are a multi-level marketing scam.

Either save up ahead of time, or ask for a payment plan from your dentist using financing from Care Credit or Dental Fee Plan. You'll need to have decent credit to qualify.

If you are impoverished, such as no ability to work, you may qualify for charity programs.
Reply:Easy math.

$75 per visit

2 visits per year

=

$150 per year out of pocket.

That's $12. 50 per month.

Can't afford it? Buy some floss, listerine and some Aquafresh.
Reply:You can get the work done but will be required to pay at the time of service--full price. Always call the dentist office first, just to make sure they are okay with it.
Reply:1. Find a dentist.

2. Call them up.

3. Receive dental care.

If you are looking for help paying for dental care, here is my standard list of suggestions:

Contact your local or state dental association and and see if there are any dentists who provide free or reduced cost care for low-income, disabled or senior patients.

Call your local health department and ask about health centers that provide dental care for free or on a sliding scale.

Your local United Way may also be aware of such a clinic. In some areas, you can reach them now by dialing 2-1-1 for "non-emergency information."

Go to a dental school, if there is one near you, for reduced costs.

Check http://www.toothwoman.net to see if low-cost or free dental services are available near you.

Check http://bphc.hrsa.gov and choose "Find a Health Center" to see if there is a low-cost clinic near you.

Check http://www.nfdh.org/DDS.html to see if your state has a "Donated Dental Services" program. D.D.S. is designed to locate dentists who will give free care to patients who are financially compromised due to medical problems. This is a process that will take a couple of months to get your information and then arrange for someone to see you. Not all states have D.D.S. programs.
Reply:Many offices offer cash discounts...but you have to ask. It saves the office time and money if there is less paperwork involved on their end, many offices offer to pass that savings on to their patients. Also companies like Care Credit provide low to no interest financing options for Dental treatment. Check carecredit.com They have a list of Dentists, Plastic Surgeons, etc. that accept Care Credit. Plus you can apply on line. There may be other companies that offer similar financing too. Beware of bargains in Dentistry, Dentists that are "desperate" for patients and advertise "specials or discounts" may not provide quality, ethical treatment.

Also check out clinics at Dental Schools in your area. The students are supervised and you can often get quality Dentistry at a lower cost.
Reply:You can get it without dental insurance, you just have to pay for it though. You can check with your state representative to see if their is any help for you in this matter.
Reply:There are some free dental clinics you can go to.

You need to find where they are.

And it is not that easy to find, here is a web site you can find some info. They may not have all the free clinics listed.

http://www.FreeMedicalCamps.com

http://www.FreeMedicalCamp.org

Thanks
Reply:If you have a college near by that has the dental hygenist or dental assistant program at it they have students that have clinics there and you can usually get it done without insurance. call the college and ask. its also discounted prices too.
Reply:Visit a local college that has a dental clinic. It is VERY cheap and great care by students who are under the supervision of dentists or professors.

Food

Anyone know of any good dental insurance plans?

2010-05-17T21:00:00.003-07:00

Im a college student that needs dental work done. I work part time, so its hard to pay out of pocket and the place i work doesn't offer health/dental insurance at all. What should I do?

Anyone know of any good dental insurance plans?
your kinda out of luck, living in this country and you don't make alot of money, your screwed for dental care. They would rather see you in pain than pay for any service. Thats the American way. You could always go to a dental school and take your chances
Reply:what country do you live in?

Do you get dental insurance from someone other than your job? Who do you get it from?

2010-05-17T21:00:00.002-07:00

My husband's job offers health insurance but not dental. We need a good company with affordable monthly payments for us and our 2 kids. Thanks.

Do you get dental insurance from someone other than your job? Who do you get it from?
Another alternative that you can use, is a PAO for your dental needs. I have a dental plan that is very affordable for my family. They have been around for 15 years and are the #1 Provider Access Organization in the U.S. It is only $19.95 for an entire household. There is no deductible or co-pay. Cosmetic procedures are covered. All specialists and braces. There are no caps or limits utilizing the benefits. The providers within the network are of high quality and value. Do your research at http://Stacie.OneSimpleCard.com . I hope this is helpful for you and your family.

Should I buy dental insurance?

2010-05-17T21:00:00.001-07:00

My employer is offering dental insurance for $30 a month. It seems like a waste of money since I only go to the dentist once a year and the cleaning is only a hundred dollars or so. My mom thinks that I should get it. What do you think?

Should I buy dental insurance?
Find out what it covers and then have your dentist office give you the non insurance costs of what is covered. (that you would actually use) just crunching the numbers should give you the best answer

Plus reg health insurance usually covers emergency mouth stuff and reg dental insurance doesn't cover ...let's call it the "aftermath" of a dental emergency

I have dental insurance that is for x-rays and cleanings and if my employer ever dropped that coverage I wouldn't be missing much.
Reply:Its always good to have insurance just in case of an emergency.
Reply:What is the likelihood of a dental emergency? That is really impossible to say. For instance, I have never had a filling. I have flossed my teeth every night since I was about 8 years old. I have never had an emergency and I am 43. However, most people will have an emergency of some kind. And I would say that MOST people will have multiple emergencies. It all depends on your genetics, your teeth, you bacterial count, your diet, and how often and how well you brush and floss.

So you can see, this is not an easy question to answer. However, like all insurances, it is better to have it in case you need it, even if you never use it.
Reply:Dental insurance is not just for emergencies. I can tell you from experience that teeth CAN deteriorate QUICKLY over any number of reasons, including stress. Even excellent dental hygiene might not be enough. If this happens, you're stuck with the bill(s), and many dental procedures require more than one visit.

EVEN IF you never need to use any dental services, (i.e., "wasted" all that money) you atleast have some peace of mind knowing that if you, for example, need a root canal, you wont be stuck with an $800 (or more) bill.

You're Mom's right.

I used my dental insurance to get braces. But i didnt wear my retainers because i was smaller and didnt care?

2010-05-17T21:00:00.000-07:00

So i was wondering if my mom could use my sisters dental insurance for me? Or is there another way I can get Braces?

I used my dental insurance to get braces. But i didnt wear my retainers because i was smaller and didnt care?
No, your mother can't use your sister's dental insurance to cover work in your mouth. That's illegal, and would get you all in trouble if you tried. You may be able to get braces with your own insurance, if the teeth have reshifted out of position again. Or you may have to pay out of pocket, making the arrangements with the dentist. It's called paying the consequences for bad decisions. Sometimes it's just more expensive to learn a lesson the hard way than others.
Reply:No, that is a crime.
Reply:No, you can't use someone else's insurance. You get to pay for it yourself if you're not insured.

ladies dress shoes

In Muskegon and don't have dental insurance?

2010-05-17T20:59:00.003-07:00

I live in Muskegon, Michigan and I don't have dental insurance and cannot afford much (I'm a full time college student). Are there any dental facilities in Muskegon that will help low income people like me who do not have insurance? I need to have four impacted wisdom teeth removed. They are very painful. Please help.

In Muskegon and don't have dental insurance?
Hello. You can apply for medical or dental assistance from your local Family Independence Agency. They should be listed in the white pages of your phone book. We are from Traverse City, and have many charity groups/churches who help individuals and families. I am sure there are similiar groups in Muskegon. Good luck! I am having my wisdom teeth removed this Friday. Wish me luck.

Charlie and Michelle.
Reply:if you get a hold of mercy hospitol i dont know when but you can go early in the morning and a dentist does it very cheap. Report It

Reply:Have you looked into the MyDentalPlans membership?

They will save you money both with general dentists and

specialists like oral surgeons.

Are cosmetic dental services such as teeth whitening covered by most dental insurance plans?

2010-05-17T20:59:00.002-07:00

Other examples might be porcelain veneers, dental implants and bonding. Are these normally covered by regular medical/dental insurance plans provided by employers?

Are cosmetic dental services such as teeth whitening covered by most dental insurance plans?
Coverage through employment sometimes has the coverage your looking for, depending on the insurance company, package and deductibles. I have insurance and another plan on the link below to cover what my insurance did not. Weather

I would encourage you to visit this website.

www.healthsavings.ourperfectcard.com

I signed up with them online over 3 years ago. They have helped me save thousands of dollars from extractions, root canals, cleanings. I know for a fact that all services are included especially orthodontics and cosmetic surgery for the entire family in the benefits. They had my membership active in 2 hours and was able to use the same day. I am very thankful that I found them. Check to see if they are in your area.

Good Luck. Hope this helps
Reply:No. Insurance is designed to meet your needs, not your wants.

Having said that, I will also say that an experienced dental insurance processor does know how to submit claims for those procedures which accompany the cosmetic work, which can help to offset the costs.

Also, insurance will pay for many of the base procedures, if you are willing to pay the difference between what is covered and what you want, such as the difference between what your insurance will pay for a crown (a porcelain fused to metal crown) and the cost of a cosmetic crown (all porcelain)
Reply:no.
Reply:If you have Extras cover on your health insurance then you should be covered for dental practices.

It really depends on your level of cover.

Some of the simple extras cover won't cover dental implants, crowns, vaneers or root canal as they are major dental.

Only some cover whitening as this is asthetic dental and some health insurance don't see it as nessary.

Bonding, cleaning, xrays and mouth guards are usually covered standard evern for simple extras covers.

If you find out who you are insured with and your level of cover, go on their web site and they should have a list of what you will be covered for.
Reply:No, but this is cheaper anyway! and good. http://www.maximumteethwhitening.com?kbi...

At least do yourself a favor and READ the information on that page. I think you will be glad you did.
Reply:NO….Go for a Indemnity dental insurance plans: People opting for this plan pay their dental bills from their pockets and then recover the costs from the insurance company. An insurance company generally pays a specific percentage of your dental bills. It can be 50% - 100% based on your plan. http://www.freewebs.com/getanswer/Dental...

How much does dental insurance cost?

2010-05-17T20:59:00.001-07:00

I am considering a new job offer that does not include dental insurance. How much would it cost per month? I live in Illinois. Thanks!

How much does dental insurance cost?
I would encourage you to visit this website.

www.healthsavings.ourperfectcard.com

I signed up with them online over 3 years ago. They have helped me save thousands of dollars from extractions, root canals, cleanings. I know for a fact that all services are included especially orthodontics and cosmetic surgery for the entire family in the benefits. They had my membership active in 2 hours and was able to use the same day. I am very thankful that I found them. Check to see if they are in your area.

Good Luck. Hope this helps

If you have dental insurance, but doesn't cover braces is their grants or financial assistance available?

2010-05-17T20:59:00.000-07:00

The dental condition I have is failure of the upper caninines to come down. I'm 34 now and insurance only covers up to age 19. I need to correct, but cannot afford braces. Thought maybe there was an instution that works with this defect since it only happens to about 2 percent of the population. Thanks.

If you have dental insurance, but doesn't cover braces is their grants or financial assistance available?
There are no such financial aids to my knowledge. However, see if there is a dental school in your area. You can get all the services for a fraction of the cost. The work is done by students near the end of their training and they are supervised the entire time. Might be an affordable option for you.

A family with money issues that I knew in Michigan had all their dental work done at a dental school and were very pleased with them.
Reply:NO
Reply:I know that orthodontist let you pay monthly. Can you do that? I use to work in dental, and I haven't heard of any grants. Some offices work with finance companies too so you pay very little monthly. Good luck!
Reply:Check out Dental Schools-Universities that have Dental Programs etc--most work done by students but always supervised by qualified instructor and its mostly free for your providing service-they need people to do work on and you are getting your dental work done. I know for years ago had some work done was very pleased and paid nothing.

Beauty

If i buy dental insurance ?

2010-05-17T20:58:00.002-07:00

IF I BAUGHT A DENTAL PLAN OR INSURANCE DO I HAVE TO WAIT A WHILE OR WILL IT BE AFFECTIVE IMMEDIATLY AFTER GETTING IN ORDERS TO USE IT ?

If i buy dental insurance ?
If you bought an insurance plan, the agent should have told you when the effective date was. You can use the insurance anytime on or after that date. If you have any questions, call your insurance agent.
Reply:If it is through work and you are a new hire, then it is immediately effective. If you are getting through your employments open season, then the provider will send you some mail saying when the policy goes into effect. If it is just you buying because you are self-employed, then the same thing applies, the provider will send you a letter.

Where can I find good individual dental insurance for independent college student?

2010-05-17T20:58:00.001-07:00

I'm an independent 48 yr old college student without any kind of dental insurance coverage. Does anyone know about any dental insurance coverage plans with actual coverage that isn't that expensive for a college student?

Where can I find good individual dental insurance for independent college student?
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 http://bestfitdentalplans.com
Reply:If you don't mind me saying, unless you have a lot of cavities, dental insurance is usually not a good idea. The dental insurance companies, especially the ones which would sell to private customers, as opposed to being provided through the customer's work, are out to make money, and therefore will charge on average more than you would pay just simply going to dentist and paying out of pocket. I just thought I would mention this in case this is your situation, as a number of my acquaintances ask me this kind of question. A better "insurance plan" is to just visit the dentist regularly for exams and cleanings. This way, if the cavity is forming, the dentist can fix it at a fee much lower than if it gets really big and gets into a root canal or something. As far as your original question goes, I don't have a great answer. The thing to do would be to ask insurance company how long it would be before the insurance went into effect, what percentage of what procedures they would cover, etc. Best wishes.
Reply:Please contact the closest dental school in your area. You will receive state-of-the-art care, at a fraction of what dentists in private practice charge.

If you still have your heart set on your local dentist, my site can provide links to dental insurance and dental card providers: http://www.health-insurance-low-cost.net...

How much is dental insurance monthly,and who do you have?

2010-05-17T20:58:00.000-07:00

I'm 23yrs old, no kids and not married, how much do you think dental would be. (I haven't been since 2004 and that's when I was on my dads insurance!)

How much is dental insurance monthly,and who do you have?
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:Dental insurance is a ripoff! It pays about 10% of the cost of going to dentist. You are better off just going and paying the dentist whatever he/she asks rather than pay a premium for lousy service.
Reply:Search, compare and choose from more than 30 national and regional money-saving discount dental plans here http://bestfitdentalplans.com
Reply:I would encourage you to visit this website.

www.healthsavings.ourperfectcard.com

I signed up with them online over 2 years ago for all my dentistry work without age limits. They have helped me save thousands of dollars from extractions, root canals, cleanings. I know for a fact that all services are included especially orthodontics and dentures in the benefits. They had my membership active in 2 hours and was able to use the same day. I am very thankful that I found them. Check to see if they are in your area.

Good Luck. Hope this helps

Does anyone know if dentists accept dental insurance as well dental discount plans?

2010-05-17T20:57:00.003-07:00

I have dental insurance but I was thinking that if I bought a discount dental plan I can use the both and hopefully double my savings.

Does anyone know if dentists accept dental insurance as well dental discount plans?
You can definitely call the dentist and ask them if they accept your plans, that's the best way to know if they will take what you have.

Good luck!
Reply:why not just go to Family Services and get on medicaid and welfare and get it all for FREE?? Dentists have to make a living Lady!!!
Reply:I believe they do. Call the dentist that you are going to and ask.
Reply:if you pay say 50 dollars a month for a discount dental plan, will you really save? only if you stop the plan after you get your teeth repaired. another thing, most discount plans will not cover preexisting problems. i would just get what my insurance will allow each year until i get them all repaired.
Reply:I sell discount dental plans (http://DiscountDental4u.net) for a living so I can tell you as a matter of fact that there is not a dentist in the world that will allow you to use your existing dental insurance on top of a discount plan? The reason is because no dentist is stupid enough to cut their rates twice which is what they would be doing if they accepted both insurance and a discount plan for the same procedure!

However, it may be possible to use a discount plan to reduce your out-of-pocket expenses on those dental procedures that your existing insurance does not cover. For example, if you need to get a root canal but your dental insurance doesn't pay for root canals, you could then join a discount plan and have your dentist perform the root canal at a substantially reduced price.
Reply:Some do and some don't. Good luck searching. Have you also

thought of moving to Canada?

dress shoes

Health Insurance discontinuing in a couple weeks. Please find dental insurance for me.?

2010-05-17T20:57:00.002-07:00

I experienced a Traumatic Brain Injury on 6/28/00 due to my car being crushed by a Semi. Social Security Disability does not cover dental insurance.

Health Insurance discontinuing in a couple weeks. Please find dental insurance for me.?
If you are on SSI, you may qualify for dental services through Medicaid in your state.

Contact your local or state dental association and and see if there are any dentists who provide free or reduced cost care for low-income, disabled or senior patients.

Call your local health department and ask about health centers that provide dental care for free or on a sliding scale.

Your local United Way may also be aware of such a clinic. In some areas, you can reach them now by dialing 2-1-1 for "non-emergency information."

Go to a dental school, if there is one near you, for reduced costs.

Check http://www.toothwoman.net to see if low-cost or free dental services are available near you.

Check http://bphc.hrsa.gov and choose "Find a Health Center" to see if there is a low-cost clinic near you.

Check http://www.nfdh.org/DDS.html to see if your state has a "Donated Dental Services" program. D.D.S. is designed to locate dentists who will give free care to patients who are financially compromised due to medical problems. This is a process that will take a couple of months to get your information and then arrange for someone to see you. Not all states have D.D.S. programs.
Reply:You should contact your county's Department of Health or Department of Social Services. If you are unemployed and on SSD, they will get you in to see a dentist.
Reply:I believe that someone else may be posting this question for Ron. Medi-Cal/Medicaid offers dental coverage. Apply for it and as well COBRA. Is Ron currently in a facility? You can e-mail me at nurselmh@sbcglobal.net
Reply:Visit the dentist now if you have insurance still then. After that visit local colleges that have dental clinics, cheap, great care.

Is there a dental insurance I can purchase and use now without a waiting period?

2010-05-17T20:57:00.001-07:00

all the dental insurance I see, there is a waiting period of at least 6 months. Are there any out there that I can purchase and use within a month or so? Thanks

Is there a dental insurance I can purchase and use now without a waiting period?
Try these two comapanies and ask:

Delta Dental : 1-800-452-9310

or Horizon BCBS of NJ: 1-800-4-DENTAL

Good luck!
Reply:Dont bother. The dental insurance that you purchase is not the same thing as the dental insurance you get as a fringe benefit from a job. Its a ripoff. You pay some money wait 6 months and find out your "insurance" is not what you thought it was .
Reply:Yes there is a plan that can help you, if you live in the US, and not in Alaka or Montana.

$11.95/month for an individual

No waiting periods. You plan can be used the day you enroll!

No limits on visits or services. Use your plan as often as you like. ALL specialists included.

No age limits

All on-going conditions accepted.

No deductibles or claim forms. Instant savings.

Your plan can be used in addition to existing insurance, if you have it.

For more information, email or instant message mrs.mama21@yahoo.com

You can also visit www.everyonebenefits.com/burke

This is a fantastic plan! I just used it the other day because I had to have emergency oral surgery. I only paid $216 for a bill that was over $2,600.

Don't have dental insurance. My front teeth filling broke in half. How much will it cost to get it fixed?

2010-05-17T20:57:00.000-07:00

Okay the filling is pretty much just a 1/4 of my front teeth. It happened by me stupidly biting in a jawbreaker that was kinda chewy at some parts? Like one and a half year ago? I kinda want to get it fixed .. and them taking the other half out and filling it all in? I'm not sure if they will do that. Would you know how much it would cost? And i'm only 15 . Will they let me go alone to the dentist without a parent. My mom doesn't like me wasting like hundreds of dollar on something that she could help me with but we don't have any dental insurance so i really don't know how she's gonna help me. Ahh .. this is so frustrating. And i'm really hoping i can get this all done and over with soon cause i'm going on vacation and i haven't seen some people for a while so i wanna look nice. o.o

Don't have dental insurance. My front teeth filling broke in half. How much will it cost to get it fixed?
I work at a dental office in Louisiana. If they will be able to just add a filling back to the teeth, it will probably cost about $200-$300 a tooth. If crowns need to be done it will probably cost about $800 per tooth.
Reply:years ago my husband broke is front tooth filling and we didn't have dental insurance. it cost him about $3,000. you should check with your dentist and tell him about your situation. he may offer to do it pro-bono (for free) and write it off for tax purposes.
Reply:You could go to one of the dental schools to get the work done. It cost about half what you'd pay in an average dental office. I've done it and found that they can handle simple stuff fairly well, but anything very complicated I wouldn't trust them with. Just make sure the supervising teacher pays attention and oversees the work. DO NOT trust the student, no matter how confident they sound.

Which insurance coverage at all for the dental implant surgery?

2010-05-17T20:56:00.003-07:00

Will my dental insurance pay for the implants?

Which insurance coverage at all for the dental implant surgery?
Get your full dental implant and surgery in India.Dental Surgery is very cheap in India.There is one company that is very famous in India that arranges cosmetic/dental surgery for foreigners in India.They are called the Forerunners Healthcare.I read a lot about them in the Newspapers and about their patient stories.I have also read that they arrange financing for international patients as all surgery is not covered by insurance or by the stinking NHS.

They also have photos pasted of their International patients.You can checkout their website.The cost savings are incredible.As a doctor i personally believe that your surgery can be easily handled in India as the quality of healthcare available here is simply best in the world.The surgeons are USA/UK trained and facilities are 5 star .

My cousin got her full dental work and jaw surgery for the cross bite and the overbite problem done there and she is more than very happy with the results.sHe is all praise for this forerunners healthcare company.She paid just 30% of the cost what she was quoted in USA and it was like a wonderful vacation for her.hope this helps.I think she paid only 7000$ for the full dental surgery for which she was quoted 19000 $ in USA.

http://www.forerunnershealthcare.com

Broken Teeth

Is there a dental insurance available for the self-employed?

2010-05-17T20:56:00.002-07:00

I am a at home caregiver and I need a dental insurance that is affordable and covers most procedures...please help

Is there a dental insurance available for the self-employed?
http://www.deltadental.com/Public/Produc... Delta Dental has all sorts of dental insurance available. If you don't find something specifically listed on their site, you can call and ask about discounts for self-employed. When I got my health insurance through Blue Cross, they had available a rate for self-employed which was not listed on their website.
Reply:I got a $600 crown on a tooth two weeks ago, Friday I was flossing my teeth and a crown on the other side broke off before breakfast with the tooth attached!!! I also am a home care provider and need dental insurance if this keeps up, I pay out of my pocket and this is becoming expensive!!
Reply:contact passport to health and see what their rates are...

call customer service at 1-866-345-4401 and ask them how to enroll in their program...it's not an insurance, it is a discount program...
Reply:AARP has a dental insurance plan.. you didn't state your age, but it's the first thing that popped into my head..

If you're not eligible for AARP, try googling self-employed dental insurance and see what comes up for your state of residence.

If you go with a reduced fee plan, you'll have to see someone that participates with the plan.

Best of luck!
Reply:I just replied to a similar question, basically see this

http://gsx1.com/CompareInsurance.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 that suits you, if it works out remember my points please :)

I need Health and Dental Insurance in NJ?

2010-05-17T20:56:00.001-07:00

I'm self Employee, 30 year old male

I need a Really good Health and Dental Insurance in NJ

what are the best companies that provide my needs Under $700 a month, I dont need vision insurance

I need Health and Dental Insurance in NJ?
Plenty of choices through My eHealth Insurance
Reply:Check out Ameriplan Discount Programs.

http://www.mybestbenefits.info
Reply:You will want to visit a local independent agent. The agent knows the market in your area and can find the best policies for your situation and budget. The plans and premiums are exactly the same whether you use an agent or buy directly from the company. An independent agent works with all the major companies.

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

2010-05-17T20:56:00.000-07:00

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 http://bestfitdentalplans.com and keying in your zip code to see which plans are available in your area.
Reply:Yes. Check out this website.

www.healthsavings.ourperfectcard.com

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.

Can I still get on a medical and dental insurance plan?

2010-05-17T20:55:00.003-07:00

I need to sign up with a good medical and dental insurance since my job does not offer any benefits. I was wondering if i can just sign onto a medical and dental insurance on an independent basis. If so, please recommend a good medical and a good dental carrier. I live in Arizona if that makes a difference. Thx in advance. PS%26gt; I wonder if there is a plan that offers both medical and dental all in one out there some where.

Can I still get on a medical and dental insurance plan?
Google insurance companies in your area, and talk to an agent. They'll be able to set you up with a plan that matches your needs and your finances. There are so many different plans out there for all kinds of situations, so it would be hard for us to come up with something that works for you, without knowing your health history, etc.
Reply:Try ehealthinsurance.com where you can get quotes from different companies. Blue Cross Blue Shield is another one you can check into. Good luck.

computer security

What is the best dental insurance? in ky.?

2010-05-17T20:55:00.002-07:00

i have some bad teeth adn need fixed asap.but i have no insurance and no money to pay for all the work. where can i get really good dental insurance? how long does it take to go into effect?

What is the best dental insurance? in ky.?
Have you looked in ti the Discount Health Benefits? That is perfect for someone who is uninsured or underinsured. The monthly fee is very reasonable, and the savings are great! Check out this wesite for more info. www.everyonebenefits.com/trodgers
Reply:Do you have an email address??
Reply:CHECK OUT THIS WEBSITE RIGHT HERE AND BE SURE TO TYPE IN THIS CODE TO GET AN EXTRA 10% OF ANY PLAN YOU CHOOSE.

WEBSITE IS WWW.DENTALPLANS.COM OR CALL 866-814-9917 AND USE THIS CODE HOME883

What is the best dental insurance plan?

2010-05-17T20:55:00.001-07:00

I live in St Louis Missouri and I have Health insurance coverage from Aetna, but I don't have any dental plan. What is the best dental plan?

What is the best dental insurance plan?
Depends, very often dental insurance is not worth the amount you pay them. First, look at what the maximum is that the dental plan will pay out in 1 year. Normally it is around $1,000 a year. Many people pay this amount in premiums a year and thus are saving NO money by having dental insurance. If your job pays some then it may be worth it OR if the dental insurance has a very high maximum for the year it may be worth it. Most people would do better to put the money into a savings account each month. Lastly, if it looks good be sure to check that there are providers of this insurance near you, otherwise the dentist can charge you more than the agreed insurance price for your part.
Reply:I am very happy with concordia
Reply:I like Metlife! I have it through my employer. I only pay about $2/week for 2 people. My deductible is $25. My annual max is $1500. I also get a lifetime max for orthodontia of $1500, and can use it even though I'm an adult. And I really need braces badly, so I'm really glad I have this plan. I'm not sure what the cost would be if you were buying it on your own. But Metlife has good benefits, and I've had no problems with them.

boots

Can imputed income for medical & dental insurance for my domestic partner be claimed as medical expense?

2010-05-17T20:55:00.000-07:00

my company offers medical and dental insurance to my domestic partner. but my company reports the entire value (what it cost me and my company) of the medical and dental coverage as taxable income to me. This totals over $8k last year. When I file my taxes, can I declare this as a medical expense under medical insurance premium?

Can imputed income for medical %26amp; dental insurance for my domestic partner be claimed as medical expense?
I run across this quite often. The answer is no. While some states recognize domestic partnership, the Federal Government does not. That is the reason that your employer reports it as income. They should not be pre-taxing your contribution for his insurance because Section 125 of the IRS code will only allow you to deduct on a pretax basis for members of your family, as defined by Federal Law. Domestic partnership does not meet that definition.

The same holds true for COBRA. It is a federal law, and therefore, does not recognize domestic partnership.

IRS Publication 502 lists all medical expenses that are eligible for tax consideration/deduction. It says: "You can generally include medical expenses you pay for yourself as well as those you pay for someone who was your spouse or your dependent...To include these expenses, you must have been married either at the time your spouse received the medical services or at the time you paid the medical expenses." It further defines dependent as, " Child, grandchild, great grandchild, etc, your stepchild, brother, sister, half brother, half sister, stepbrother or stepsister, parent, grandparent, or other direct ancestor, but not foster parent, stepfather, stepmother, brother or sister of your father or mother, son or daughter of your brother or sister, father-in-law, mother-in-law, son-in-law, daughter-in-law, brother-in-law, or sister-in law." The person must have lived with you for the entire year and you must have provided half of that person's total support for the calendar year. There is no mention of domestic partner.

By the way, I don't believe that you can file a joint return unless you are married either.
Reply:Yes providing you are filing a joint return.
Reply:As long as your partner appears on your tax return either as a joint filier, or as a dependent, yes.

Otherwise, no.
Reply:This is not a simple blog question. Do you mean legal "Domestic Partners" and if so, are you in California, or another state that recognizes such? Please contact me to discuss in further detail, as I'm familiar with the tax laws for our community.

Web: http://www.slarson.com/contact

Email: Steve@SLarson.com

What's the Catch? (Dental insurance buffs) Why go with a PPO over a HMO?

2010-05-17T20:54:00.002-07:00

So I've been researching dental insurance in my area. (S. Florida Metro - Ft. Lauderdale/Miami/Palm Beach)

I've received a quote from a dental HMO that provides the following;

Individual Premium per month - 11.95$

No Wating Period

No Plan Maximum

No Deductable.

As examples of coverage;

Cleanings are no charge.

Fillings for one surface are 25$ for composite fillings. Standard silver fillings are no charge.

Crowns run between 245$-300$

Endodontics/Root Canals run between 110$ and 345$

Periodontic services run between 110$ and 300$ for surgical services.

Non surgiacal periodontic services run between 38$ and 65$

Dentures and bridges are fairly priced between 300$ and 425$

Extractions run between 30$ and 100$

The only place they really get you is with orthodontics.

Now let's look at a PPO.

Individual Coverage is between 30$ and 42$ a month for basically the same services between plans, with large waiting periods, tiny plan maximums, and really not that great of coverage.

(Cont.)

What's the Catch? (Dental insurance buffs) Why go with a PPO over a HMO?
Great question. I recently was stuck trying to decide between the two. I chose the PPO just cause that's what everyone else has in the office. But the more I kept comparing the two, I couldn't understand why you pay more with a PPO if the HMO gave you more coverage. I guess I feel better about the PPO cause I get a wider range of doctors and I can go outside the network if I wanted to. That seems to be the only advantage.
Reply:A PPO is better than an HMO because a YMO is longer than a LMO, so go with the DMO.
Reply:They all looking for the easy money.
Reply:In a PPO, you can choose any dentist you want at any givin time, With HMO, you are stuck with your dentist That the HMO picks for you.
Reply:*Usually* PPO plans are better because they pay the provider more. HMO is *usually* more strict about which doctors you can go to, whether they're in network or not. Though from the information you provided, I would go with the HMO plan, unless that means that your medical insurance would switch to HMO. Medical insurance is always better as PPO. No pre-certification required for the more non-traditional procedures.

Edited to add:

the docs like the PPO plan better because they pay better, and it is less hassel. HMO plans require a lot of documentation to get a procedure pre-certified with the insurance before they will even approve it. PPO plans don't require all that.
Reply:Without reading a word of your question (Sorry - I will later on...) I will say that an HMO forces you to choose a dentist from a restricted list. A PPO would RATHER if you used one who is on their list, but you are still able to see the dentist of your choice.

Imagine buying car insurance and finding that you are only covered if you take preauthorized roads to and from work. If you go off those roads and have an accident, you are not covered. That's the HMO way of doing things.
Reply:The problem with dental insurance is that most all of the companies have a waiting period...usually 6 months...and require pretty high copays. Some only cover basic things and don't cover things like crowns and orthodontics.

You might want to try a discount dental plan. They are cheap...usually less than $100 per year and they give you a big discount off of what the dentist charges, and there is no waiting peroid. I found a plan at http://dental-ppo.com that worked well for me. You can search by zip code to see what plans are available in your area.

Good, low cost Health and dental insurance for me and my son?

2010-05-17T20:54:00.001-07:00

Please Help I was wondering does anyone know about any good health insurance. I need some good health and dental insurance for me and my son (4 years old) I’ am currently paying $425 a month for me and him with just health insurance through blue cross and blue shield PPO with a $25 copay and $10 prescription fee. If u you can please help me find something cheaper and or better with more benefits.

23 hours ago - 3 days left to answer

Good, low cost Health and dental insurance for me and my son?
I suggest speaking with an independent health insurance broker. A broker works with several health insurance companies and can find the best plan, company, rates and coverage for you. To find a qualified health insurance broker, log on to a website like http://www.healthinsurancewiz.com and fill out a form requesting a free quote. Your information will be sent to a broker in your area who will contact you. There is no obligation, so give it a try!
Reply:i think this interested

http://www.4gumpa.com/index/in... Report It

Reply:Best solution would be to move to Canada
Reply:When researching health insurance you might want to try and bookmark this site for research information, news, articles, insurance quotes, companies, links and more. It should have the resources to help you with your question about finding cheaper dental and health insurance.

http://www.healthinsurance-guide.net/
Reply:I think you are paying quite a bit of money. Talk to fellow workers, check out various websites and find the best health insurance option that suits your needs.

Have you considered a dental discount plan. It offers discounts on various dental treatments and procedures.

Check it out at http://www.a1-dental-insurance.com.

Save my smile! I need "free" or "cheap" dental insurance.?

2010-05-17T20:54:00.000-07:00

Help!

I have already lost two teeth (upper, lower) and fear I will lose more with my age at 52. Unfortunately my medical plan does not offer dental insurance. I cannot afford high dental insurance. Can anyone tell me where I can find "free" or low-cost" dental insurance in the New York City or New Jersey areas?

Sincerely, lost smile :.(

fmarcanojr@yahoo.com

Save my smile! I need "free" or "cheap" dental insurance.?
Dental Insurance won't help you at this point, it's too late,

because of their long waiting periods.

Consider non insurance programs like My Simple Card.
Reply:You're eligible for AARP dental insurance... you only have to be 50 years of age... check into it.

The premiums are very affordable!

Good Luck!

:)
Reply:I will give you a website to check out. A discount dental plan may be the right thing for you. We do not have dental insurance either and this saves my family alot of money on dental, vision, Rx, and at the chiropractor. You get all of these benefits with one plan.

http://www.MyBestBenefits.info

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Good, low cost Health and dental insurance for me and my son?

2010-05-17T20:53:00.003-07:00

Please Help I was wondering does anyone know about any Please Help I was wondering does anyone know about any good health insurance. I need some good health and dental insurance for me and my son (4 years old) I’ am currently paying $425 a month for me and him with just health insurance through blue cross and blue shield PPO with a $25 copay and $10 prescription fee. If u you can please help me find something cheaper and or better with more benefits.

Good, low cost Health and dental insurance for me and my son?
Hi there, I might help you.

Have you looked on a dental plan before?

They are way more cheaper than a dental insurance. They come in individual and family packages.

You pay around $100 - $200 per year for a dental plan.

If you want more info about them you can visit this site.

http://individual-dental-plans.weebly.co...

Now, the site they recommend have dental plans both for families like you and your son and for individuals.

I hope you get some more alternatives.

Take care!
Reply:I am no gonna say I am one hundred sure about it.Besides it really depends on the personal feelings.SO it would better for you to find yourself.Here is a good resource.http://insurance.online-assistant.info/m...

How do I get Dental Insurance when I don't have a job?

2010-05-17T20:53:00.002-07:00

My girlfriend was laid off from her job about months ago. She was only there for about 4 months. So she wasn't able to get health or dental while she was there because you had to work so long. (just crap job anyways) well now I want to get her some Dental Insurance because we need to get her teeth checked up. So where do I start on this? Is it really expensive? Do you make monthly payments or is it all up front. Thanks for all the answers

Ben

How do I get Dental Insurance when I don't have a job?
You can compare different dental disocunt plans at http://www.lowpriceddentalplans.com
Reply:You can check out www.dentalplans.com for insurance. You could also talk to the dentist and see if they will take payments. Some dentists do take payments if you discuss it with them before you make an appointment to get dental work done.
Reply:There are several options, but without a job paying for it yourself may be expensive. I would recommend going here: http://www.mybenefitsplus.com/fornido This is a dental insurance plan, not insurance. It starts immediately, and covers all pre exisiting conditions. It will cover the entire family for a very reasonable rate. Email me if you have any questions about it. Good luck!

Can anyone recommend a good dental insurance company?

2010-05-17T20:53:00.001-07:00

I have to pay for insurance on my own and I tend to have a lot of dental problems so I know I will need good coverage. Any recommendations for good private dental insurance companies? Thanks!!

Can anyone recommend a good dental insurance company?
Ameriplan is a great company to go with. They can save you up to 80% on your dental care, and their plan also comes with vision, prescription and chiropractic care. The individual plan cost $11.95 per month and the houshold plan is $19.95 per month. You can view more about the plans, search for providers in your area and find a number to call or sign up at the following website: http://www.mybenefitsplus.com/mlein

Good Luck :) FYI they also have medical plans in addition to the dental plan and the medical plan includes the dental plan and it cost $49.95 for an individual and $59.95 per month for a houshold.

Michelle
Reply:Usually most insurance companies you have to go thru your employer. But i recommend to all my patients to try Ameriplan it gives you 25% off the bill at a specialist and i think it's more at the dentists. I work for an oral surgery office and do billing. I really recommend that plan and is Cheap i think you pay $15 for your self or $19 to cover the whole household a month .. Good Luck!!!
Reply:I don't know if it's available privately, but Delta dental is good. They pay for 2 cleanings a year, x-rays once a year, and 80% of everything else
Reply:Hi,

I doubt if you can get dental insurance on your own. Most dental insurance is provided to employees by their employers as a benefit. Ask your employer or colleagues about this.

There is however the option of a getting a dental discount plan - sort of discount club to get savings on your dental treatment costs.

These are much are easier to get even online and you have wide choice of dental plans to choose from. You can go through the schedule of payments, and other terms and conditions and pay for a plan that meets your needs.

Fortunately there are no waiting periods, pre-existing conditions clauses or exclusions. You pay up front to the dentist - his discounted fee. No paper work no hassles.

You can try to get this as a stop gap or as an additional to your dental insurance, if you can get one.

Hope this helps!

What is the best dental insurance to have if i want "lumineers by cerinate?"?

2010-05-17T20:53:00.000-07:00

i want 6 teeth redone with Lumineers by cerinate" they are like veneers but better. Their is dental insurance than dental discount programs too. What is a better choice for me ?

What is the best dental insurance to have if i want "lumineers by cerinate?"?
This treatment is considered - cosmetic service so it's not covered by any insurance. You can get financed by a plan that works with your dental office. Ask them if they use one and you can pay the finance company in monthly payments.
Reply:I am afraid that no matter what kind of dental insurance you have- veneers are considered cosmetic dentistry and therefor will not be covered.

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I can't seem to find out how to get dental insurance without needing medical also.?

2010-05-17T20:52:00.003-07:00

I have a health insurance plan with work but can' t seem to get the dental coverage as there aren't others willing to take it. I need to get some. How in the midwest can I get seperate dental insurance? NOT dental plans that pay a part of it but aren't insurance as I need the insurance. Those often have a waiting time and only pay a small part the first year of it. I have soft enamel teeth and need ongoing or repeat dentist visits to keep the teeth later on. I did an online search and they want a ton of info to send a quote just or they don't offer an actual insurance coverage. IF anyone has a great coverage that is nationwide please let me know. I have a dire need for this.

I can't seem to find out how to get dental insurance without needing medical also.?
I have a dental plan thats covers everyone in my house for one price. I have found it to be useful, it saves me and my family alot of money. I was able to find a dentist in my home town that will accept this plan and the denist that I take my children to is only about 20 minutes away so it work out well for me

1-877-483-1830 REF# 227810 that is the number that you can call
Reply:I'm in the same situation--our family has health coverage thru my husband's employer, but no dental. I haven't found anything either, either that I can afford or that is decent. I'll be watching your question for others' answers.
Reply:alot of times theres a choice...hubby has dental for me but not medical.. try googling and talking to friends too
Reply:look up "comp benefits" online. hopefully u can get it from there for about 15 bucks a month
Reply:I know you're looking for insurance, but discount dental programs may be an option for you as well. The discounts are immediate, at general dentists you usually know exactly what you will pay. Its very affordable at 19.95/month for the entire household regardless of relation. Most dental insurance plans only cover 100% cleanings, exams, and sometimes xrays, but they usually have a limit on how many you can get per year. I have Compbenefits thru my employer and it is limited for those who need extensive dental care. I have the dental discount program to supplement it, but it can definitely be used stand alone as well. Check it out at www.mybenefitsplus.com/trhonda2000.

Good luck,

Trhonda

What is the best Dental insurance around in Illinois?

2010-05-17T20:52:00.002-07:00

I need a dental insurance that pays 50 to 75 of all dental care including oral surgen. My boyfriend needs a lot of work done on his teeth. He is scared of death of the denist, he has to be put to sleep and he has to have all the work done at one time. Can anyone help me please.

What is the best Dental insurance around in Illinois?
Ameriplan has a great dental plan and it also includes vision, prescription and chiropractic for as low as 11.95 a month. Go to this site to find out more

http://www.mybenefitsplus.com/mlein
Reply:here. http://www.tkqlhce.com/click-1748196-103...

Ran out of dental insurance... Now what?

2010-05-17T20:52:00.001-07:00

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.

Is there Dental Insurance available that covers at least 50%?

2010-05-17T20:52:00.000-07:00

I have searched and I can't find a good dental insurance because most of them are cheap ones, 100 a month and only cover 20%. I need one that can cover more than that, and I don't care how much I will be paying. If anyone knows of any good companies with high coverage let me know please.

Is there Dental Insurance available that covers at least 50%?
Delta Dental. I've had them for several years and have never had a problem.
Reply:Delta Dental.
Reply:AFLAC is a fabulous secondary to Delta Dental...
Reply:this is a good one..nerds and clg's are good to.

https://www.afspa.org/home/insurance/den...
Reply:Delta Dental.
Reply:Depends on how the employer sets the plan up. Most common is 100% preventative, 80% basic and 50% major. Individual policies are least expensive but you pay 100% of the discounted fees. To just say Delta, Cigna, Metlife, Aetna, etc is very misleading and certainly too vague. These companies have many different fee schedules and coverage options. As an individual, you really don't have many options. Aflac is not an insurance plan and reimburses you minimally compared to the actual fees.
Reply:I know that you are getting a lot of sites recommended to you, but this is worth checking out:

http://www.MyBenefitsPlus.com/JRussell2

Why? Our dental is only $20/mo. and we cover most procedures. The savings are from 50-86%. This plan is also for chiropractic, vision and prescription. It gives coverage to up to 4 people (friends or family).

Contact me through the site with questions...I am a broker.

children shoes

Is there a dental insurance that covers braces for teens?

2010-05-17T20:51:00.003-07:00

My dental insurance does not, I am willing to change insurances because my son, 13 requieres treatment..any sugestions?

Is there a dental insurance that covers braces for teens?
Hello. I hope this information helps you. This dental plan will cover some of the cost. Try going to http://www.mybenefitsplus.com/40524986 and sign up for this inexpensive discount dental plan. The price is just $19.95 per month for YOU %26amp; YOUR ENTIRE HOUSEHOLD! The plan includes - Dental, Vision, Prescription and Chiropractic services. Features of the Program include: Almost 30,000 network dental providers You may choose the dentist of your choice in the AmeriPlan® network. 25% to 80% savings on dental procedures performed by a Program dentist. Special savings on specialist work such as braces, oral surgery, root canals, gum treatment and children's dental work.

No waiting period before you can use the Program.

No limits to the number of visits prescribed by your dentist. All ongoing dental problems are accepted except for orthodontic treatment in progress.

You know the discount amount you will pay.

No Paperwork, no insurance companies to deal with.

If you would prefer to receive a brochure and an application through the mail, just send me the address to mail it to.

Warm regards,

S. Davis
Reply:Delta Dental covers up to $2,700 per year

http://www.wekeepyousmiling.com/ca_indiv...
Reply:Ours covers 1500.00 of the braces. It's through Met Life.
Reply:If insurances pay for braces they usually have a cap of $1500-$2000. Metlife insurance has good coverage. Aetna (through starbucks employer) offers to also pay for half and all you need to work is a minimum of 20hrs per week.
Reply:possibly here http://gsx1.com/InsuranceComparison.html fill just one form to get tons of quotes from the best USA Insurers, if it helps please remember my points, drive safe :)
Reply:Most affordable dental discount plans (not dental insurance) offer steep discounts for braces. Go to http://www.lowpriceddentalplans.com and key in your zip code to see how much money you can save.

Where can I buy Health and Dental Insurance online?

2010-05-17T20:51:00.002-07:00

My husband and I both work but neither one of our employers offers health or dental insurance. Where can I go online to look at different plans? We live in the state of Georgia. Also...does Dental insurance normally come with Health insurance or do you have to purchase it separately?

Where can I buy Health and Dental Insurance online?
Why do you want to buy it online? Great way to get scammed, buying it online. Also, it's a great way to have your identity stolen - trust me, if someone can impersonate a paypal website, they can impersonate an insurance company website.

Plus, if you buy it online, how do you know it's going to be VALID in your state? How do you know your emails won't start bouncing as soon as they get your bank account info? You don't.

Buy from a local agent.

Dental insurance comes seperately. AND, private plans almost ALWAYS cost more than they pay out. I've NEVER seen a private dental plan where YOU come out ahead, due to deductibles, copays, and waits.
Reply:There is no one online place to see all available plans. Do you have time to compare nearly 1000 plans? It'll take you several days to intelligently compare all the plans available. Also, do you have any pre-existing conditions (even something minor like asthma) that might add a rider to the policy or cause you to be declined? Are you within the height and weight guidelines? You can't find out this information online so if you try to do this over the internet you won't know until you've applied and gone through the underwriting process. You don't want a decline on your record if you can help it.

You should visit a local independent agent. This person works with the major plans and knows what is available. They can find the best plan for your situation and budget in an hour or two. The plans and the premiums are the same using an agent as they are buying directly from the company.

Some plans may have dental as an option or you can purchase a stand-alone dental plan. The agent will be able to help you there as well. If you just need the basics you'll be better off without insurance. A yearly cleaning and exam and even an occasional filling will cost you less in the long run without insurance.
Reply:there are major companies like Blue Cross and Blue Shield, Aetna, Cigna, United Health Care in GA. Try thier sites, I think BCBS is best since u dont have to get referrals and can see specialist with out seeing ur PCP (primary care physician) first, and they are good with paying, also they provide discount dental.

As far a dental alone Principal is a good insruance.
Reply:We are a 15 yr. old Discount Medical/Dental Company. All on-going Medical/Dental problems are accepted. There are no waiting periods - start saving immediately. Starting at $19.95 - $59.95mo ( 1-20 people in household)

check it out at http://mybenefitsplus.com/jbarker

I hope this helps

Jessica
Reply:You might want to try and bookmark this site for research information on health insurance. news, articles and more. It may have the resources to help you with your question.

http://www.healthinsurance-guide.net/
Reply:Visit this website

mybenefitsplus.com/40534021

It's a great company that you can buy discounted plan, it does give you over 50% on medical dental prescription, vision and even chiropractic. Why it's great because there is no waiting periods and no deductibles, which usually what you will have if you buy insuracnce. And the price is under $60 dollars for health, dental, prescription, chiropractic, vision and it is for entire household. If you have any questions you can go to webpage and click contact and call me with any questons.

With med/dental insurance,is eye coverage considered a part of medical in leagal terms?

2010-05-17T20:51:00.001-07:00

I am divorced with joint coverage with my kids. I agreed to have them covered with my medical/dental insurance. I just need to know if eye are considered a part of medical. I ask because I feel that I am paying for everything and thier mother has no obligations except draining me of my money.

With med/dental insurance,is eye coverage considered a part of medical in leagal terms?
Well, some medical insurances cover eye exams and others require additional add ons to get eye coverage. I would consider eyes and part of medical but insurances don't always.
Reply:You'll need to contact your agent for the answer to this question. Problems with the eyes are covered under your health policy. However, most of the time vision exams and glasses are not included in either health or dental insurance. The agent will know about your specific policy.
Reply:Call your insurance company to find out. It varies from company to company, and no one on Yahoo Answers will be able to tell you for sure.
Reply:Your eye coverage is most likely through the same insurance as your dental. If not, then it could be under your medical, or it could be an entirely seperate policy of its own. You really should call and find out. The best place to start would be your employer. Whoever there handles the benefits administration for employees. There are so many insurance plans there's no way for a stranger to know what you are asking, you need to speak to your HR person at your work.

Why is good dental insurance so hard to find?

2010-05-17T20:51:00.000-07:00

Dental care is SO expensive, the insurance is terrible, does not cover anything. Why is this? Why cant it be included in health insurance?

Why is good dental insurance so hard to find?
You have three options with dental.

Insurance - Depending upon the policy: cost $30-$60 per month. $50 deductible, annual maximum of $750 - $1500, 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.

Discount plans - Cost - $5-$10 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.

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.
Reply:Good question and one that is asked everyday by millions of people. Dentistry is something that everyone needs. The insurance companies don't want to have to pay out any money for any claims. If you go to the dentist, have a cleaning, xrays, exam......a claim is produced.....cha ching...$$$ Money has to be paid out. Some people never have health problems, or very few....not many claims issued. Get what I'm saying. They will always have to pay money for dentistry because it is used more often than medical health plans are. Its all about them keeping the money and you paying them for the privilege of having security.
Reply:hi check this link its good

http://insurancess.notlong.com

.

baby shoes

Can medical / dental insurance costs including premiums paid PRE-TAX be tax deductible?

2010-05-17T20:50:00.002-07:00

Can dental / health insurance premiums paid pre-tax and deducted from my paycheck be considered in itemized deduction?

Can medical / dental insurance costs including premiums paid PRE-TAX be tax deductible?
yes they can, any medical expense including ones from your pretaxed income, can be added on the scedule a. the only exception would be if your employer paid for the insurance. if you pay for it, you can include it. i am a tax preparer and i am sure of this. now the only limit would be getting you over the thresehold of %2 of your agi.
Reply:i said 2% but i meant 7.5$ threshold. thanks Report It

Reply:i said 2% but i meant 7.5% threshold. thanks Report It

Reply:Bootleg, you may want to check your answer. IRS instructions for Schedule A say that pre-tax insurance premiums are NOT deductible on Schedule A because the premiums were not included in "Wages" on the W-2 since they are "pre-tax". Report It

Reply:No, if they were taken pre-tax you've already gotten the deduction - you aren't allowed to double-dip.
Reply:sorry, nope
Reply:nope

read this it Pub 502
Reply:If they were paid pre tax they were already pre deducted. You can't double dip.

With PPO dental insurance will I have to pay upfront for some fillings tommorow?

2010-05-17T20:50:00.001-07:00

We have no deductible and they pay 75% of almost everything except exam they pay 95%. Its the first time we have had dental insurance worth using and the receptionist didnt say anything today when I made the appointment. Any ideas helpful, if not I will find out in the morning.

With PPO dental insurance will I have to pay upfront for some fillings tommorow?
COntact your dentist. Depending on your insurance, and his practice, you might be billed, or need to pay up front.

Cant really tell you more without knowing more about the specific coverage. Just call teh dentist office, they will tell you everything you need to know. Then, call the insurance provider, to confirm the dentist's info.
Reply:You will probably have to pay your 25% of whatever they do the same day.
Reply:Typically they will check the plan to see eligibility, deductible, reimbursement rate, etc. Most will file the form on your behalf, and will ask for the remaining amount due. So if your fillings cost $200 and your insurance company agrees that's a "reasonable and customary" charge, you'll pay $50 tomorrow.

I need to know the best dental insurance to get?

2010-05-17T20:50:00.000-07:00

Me and my husband both need to go to the dentist. I went before my insurance ended with my mom before getting married, and I had alot of things wrong that need fixed. He hasn't ever been to a dentist and has to absess. I need 3 fillings and a mouth cleaning for early signs of peradontal disease or whatever. Whats the best dental insurance to get to cover the high costs of all this. Neither job offers benifits, and money is not a problem, I just need the best dental insurance offered, no matter how much a month. please help! Thanks

I need to know the best dental insurance to get?
The best dental insurance would be one that someone else (i.e. your employer) would pay for!

Seeing how that is not an option, the only two types of dental plans that you can purchase on your own and that would make sense would be a PPO plan. However, the problem with these types of plans is that you would still have to wait at least three months before coverage would take effect, and you would still have to pay some money up front to the dentist for any work you have done. The best place to investigate and or purchase this type of coverage online would be http://www.einsurance.com

The second type of dental coverage that would work for you would be a discount dental plan as they have no waiting periods and the savings are substantial; on average between 30% to 40%. However, these plans only give you a discount at the dentist so expect to pay for all your dental services at the time they are rendered because there is no billing with these plans. The best place to investigate and/or purchase this type of dental coverage would be http://www.discountdental4u.net
Reply:Many plans to choose from but get one that pays 80% , If it says " will pay from 20%- to 80%), forget it, it will pay 20%. Also, all dentists are not created equal. Call friends and family for referrals in your area.
Reply:I have ppo and its really good..

I need Dental insurance were is the best to get it ?

2010-05-17T20:49:00.002-07:00

i work as a sub-contractor so i dont have dental insurance i need it because i need braces plz help

I need Dental insurance were is the best to get it ?
Have you looked into the eHealthPlus membership?

I know it saves you on everything dental, including braces.

Be sure that you find providers in your area.
Reply:It is very difficult to find individual dental coverage. Keep in mind too that even when an insurance policy covers orthdontics, often there is an age limit and a lifetime maximum they will pay out of between $1000 and $1500. Depending on your orthdontic plan and where you live, some orthodontic plans cost as much as 3000-4000. The good news is most will make payment arrangements of the the time of treatment (usually 2-3 years).
Reply:If you live in the western states Willamette Dental is excellent and low cost.
Reply:Hi,

I am a health care benefits specialist and I have a program you need to look at. It is affordable and covers all in you household, related or not. It is supplemental dental and/or medical discount program. www.mybenefitsplus.com/40472897 or JKonczak@ameriplan.net Let me see how I can help you.
Reply:Go to www.apdiscounts.com and see if this will help you. Individual benefits are $11.95/month and family $19.95/month. Braces are covered.
Reply:Many times, insurances don't pay or pay a minimal amount. If you would like some information on a health care savings plan, email me at amiekalista@windstream.net or amiekalista22@yahoo.com and I can either call or email you with information on on this plan.

asp

Health and Dental Insurance For Single Mom?

2010-05-17T20:49:00.001-07:00

I am a single mother and i need get health and dental insurance for a little or no cost at all. I ahve 2 children, both on healthy kids gold. I am 46 yrs. old and a smoker. I live in New Hampshire and own a home. Does anyone have any suggestions? Please help.

Health and Dental Insurance For Single Mom?
Best way to do it for a single mom? Find a job that has the health benefits included. You'll never be able to afford the coverage otherwise. It may take some looking and an education upgrade. But it is so worth it!
Reply:Private health insurance costs me $485 per month for my wife and me. That doesn't include dental.

If you are low income then I'd suggest talking with your local Blue Cross Blue Shield to see if they've got a plan for you. Failing that, get a basic "low-cost" ($200 a month?) plan that covers the major stuff and leaves you paying the basic stuff.
Reply:Before you rush into everything, get the book "Healthcare for Less" by Michelle Katz...there are things you may not be aware of when choosing a health insurance plan that will effect the cost such as the cap, preventative medicine, locations, facilities that participate...the book will guide you through the process and define terms for you and help you in choosing a great doctor. I chose to be a part of an HSA after reading the book which is great for someone like me and my healthy family.......I bough the book at Barnes and Noble after being so frustrated about the options and the process. It really cleared things up for me. I heard it is also available on www.amazon.com for less expensive...I bought it for $15.95....I hope it helps.
Reply:You probably already know about New Hampshire state health plans such as the ones your children are under, but I have included links below to a description of who is eligible, eligibility requirements, and more the documentation required to verify eligibility for Department of Health %26amp; Human Services programs.

If you want to scan through New Hampshire health plans, try MostChoice.com. You can view plan information online, but more importantly you can speak to NH health insurance agents. Tell them what you want and see who comes back with the best prices without sacrificing the coverage you need.

You can find MostChoice here: http://www.mostchoice.com/health-insuran...

Hope this helps,

Barnes@MostChoice

Cost of treating a dental abscess without insurance?

2010-05-17T20:49:00.000-07:00

I'm pretty much positive that i have a periapical abscess on my top second molar on the left side of my mouth. I broke this tooth a while ago, and now there is some swelling above the tooth, as well as pain in my right cheek and a swollen and painful lymph node under my left lower jaw. I also have an impacted wisdom tooth thats partially broken through the gums, creating an operculum that i suspect is trapping infection, as it can get very painful.

I would have gotten this problem dealt with long ago, but my family has never been able to afford dental insurance. Now that i am in college, I'm to have health insurance to enroll. So i have the cheap and pretty worthless student health plan through Consolidated Health Plans. It doesnt cover any dental work outside of wisdom tooth extraction (typical 80%) and injury to a "sound, natural tooth".

About how much would getting a wisdom tooth extraction and extraction/treatment for my abscessed tooth with my current plan?

Cost of treating a dental abscess without insurance?
Get on the My Simple Card right away.

It will save you up to 80% on dental as soon as tomorrow

if you Join today.
Reply:Many Amish dentists will pull the tooth for under $100.00
Reply:Sorry to know you are going through all this pain.

You can try the following options:

1. Local Public Health Center. Find out if they have dental care facilities.

2. Dental Schools. Register with them. Students do the procedures under supervision of professors. Cheap but will take time.

3. Are you eligible for medicaid? Dental problems are also treated under this.

4. Go to your dentist and ask them what they can do for you under your health or dental plan without too much out-of-pocket expenses.

For more information check this site out : http://www.a1-dental-insurance.com/blog/
Reply:Guideg gave you some excellent advice. I wouldn't waste time trying to get medical insurance to pay for dental problems--it's almost never worth the effort.

With abscesses, you need help NOW. From your description the wisdom tooth is a chronic recurring problem--you may be able to resolve the infection with warm saline rinses 1/2 tsp. salt to warm water. If there is significant swelling antibiotics may be necessary. But for the broken tooth you really should not wait. Dental schools, some voluntary hospitals have dental clinics. Public assistance is good if you qualify, but enrolling may take too much time.

Good luck,

Steve Bornfeld, DDS

Where can I get cheap dental work or help finding dental insurance in DC/MD/Northern VA?

2010-05-15T16:54:00.002-07:00

I am at a situation where I must get a root canal very soon since my tooth has an infection and the nerve must be removed.

I just got a crown on this tooth from my dentist who was kind enough NOT to warn me that an infection was possible.

This work used up all my allowance with my current dental insurance, so now I have to pay for any work done myself. It is very expensive and I am looking into the cheapest possible way. The dentist who did this, or my current insurance will not assist me.

Do you know any places I can go that would be cheaper? Or do you know if I can purchase a dental insurance that will help me cover the costs? Thank you

Where can I get cheap dental work or help finding dental insurance in DC/MD/Northern VA?
you might want to try dental school. They usually charge much less than a dentist and they need patient for their studies.
Reply:You might want to look into the eHealthPlus network. Their

dentists give members a substantial break, 50% or more

on dental work that you are describing.
Reply:You might want to consider getting world class dental treatment in India and get a vacation out of it at the same time.

We provide world class dental services in India to international patients. You can learn more at

http://chandigarhdentist.com/implants.ht...

http://chandigarhdentist.com

I'm 19 years old, no dental insurance and bad cavity no clue what to do.?

2010-05-15T16:54:00.001-07:00

Hi, I just turned 19 four months ago and have never had a job, but plan on getting one this summer to help pay for college books etc. That being said, I have two cavities on the upper part on each side of my jaw. One of them hurts alot when I try to go to sleep at night. Now I can only eat on one side of my mouth, but I don't want the cavity that doesn't hurt to get worse. I haven't been to the dentist in about 10 years and don't have dental insurance any more. Since I don't have a job I don't think I could get insurance. Even if I just got a job, i'd propably have to wait for insurance. I would like to get my tooth fixed as soon as possible so it doesn't get worse. I still live with my father and rarely ask him for any money because i'm 19 and would feel embarrased too, but am willing to ask for some money for my teeth. I would like to save as much money as possible to get the one painful tooth fixed, and pay my father back as soon as i get a job. Should I get a dental plan? What are my other options to save on money when going to the dentest.

Also I would like to know some good tooth pain medicine to help me sleep at at night, and does Dent's toothache gum (that old time red gum you fill a cavity with) work?

Thank you for taking time to read this. I know it's a lot, but is greatly appreciated. I really don't know what to do.

I'm 19 years old, no dental insurance and bad cavity no clue what to do.?
Oh you poor sweet thing! I certainly pitty you. I'm 30 and I had a cavity last winter that hurt worse than giving birth. no kidding.

First, lets address the pain. Use anbesol or orajel liquid toothache relief. It's in the dental care aisle. I went through 3 bottles of this once. The pain was horrible. I shudder thinking about it. Get a whole bunch of Q-tips for application ease. Then take 2 Aleve before you go to bed. This should be considered a temporary fix.

Second, call your local department of jobs and family services or the United Way. They may have a "211" program set up in your area. (211 is the number to dial when in a social crisis). They (the United Way) will be able to link you up with local clinics or dentist who provide services to people without access to insurance at a discounted rate. Some offer 50% discounts.

Third, Daddy love you hun. I'm sure he's had a toothache in his day. If he's anything like me, he never wants to see his child suffer the pain of a toothache. Tell him what's going on. I'm sure he'll help.

I hope you feel better. Good luck!
Reply:Borrow the money for your teeth. It's worth it. If you can't get the money from him, go to a dentist and work out a payment plan. Most dentists will work with you. Another option is to go to a dental school. The students work on you so it's at a reduced price, but they are supervised by the teachers who are certified dentists. Good luck to you!
Reply:I'm sorry.

I don't know what to say about getting it fixed.

Orajel (baby or adult strength) works real good.
Reply:Try going to a local university that has a dental school. Sometimes they offer services to the public for very low rates (student dentists supervised by faculty)

I sympathize - I've got dental problems too and I can't afford it either.

P.S. - Some local anaesthetic like oraljel can help in the short term but its not a feasible long-term solution (ie - if not treated it will likely get worse)
Reply:Try to find a Dental School. Many times they will work for free or reduced fees. Students do the work under the immediate supervision of a teaching Dentist.
Reply:go to free clinic please hurry you don't want an absences
Reply:First, get some Listerine, that was the ONLY thing that saved me for a month when my tooth broke in half! Use it like 3 times a day.

Second, if you need a root canal and crown your looking at A LOT of money, you might want to have it pulled and have the one that isn't hurting fixed.

You might want to call around to some dentists and tell your situation and see if any of them would be willing to look at your teeth and give you an estimate of what your looking at cost wise.

Then ask your Dad for some financial help, don't let it get to the point of wanting to die because it hurts SOOOOOOO bad, it's not fun!
Reply:If money is an issue, you should go to a dental school for dental care if there is one near you. Typically their fees are about about half that of a private-practice dentist.

There are no home remedies for fixing cavities. The longer you let it drag on without professional care, the more expensive the problem will become.

Hope this helps, and good luck.
Reply:Go to your local health clinic, they have dentist there and they help people without insurance! they will either charge you nothing or a small fee usually. I had to do it right after my graduation and they did it for free!
Reply:Call a dentist and see if he/she will take payments. If not, it's not that much (probably less than $100) to get filled.

You need to get it filled or eventually your tooth start chipping off. If that happens your problem will be worse than it is now.
Reply:You can get your teeth fixed without dental insurance. Don't wait if you are having problems. Don't be too proud to ask your dad for help. Pay the dentist bill in cash. I don't have dental insurance either. I just pay the dentist every time I go for my checkup. When you are done, start taking better care of your teeth. You won't have these problems.
Reply:GET YOURSELF A FULL-TIME JOB AS SOON AS POSSIBLE SO YOU CAN GET DENTAL INSURANCE. ONCE YOU GET TE INSURANCE FIND A DOCTOR TAT YOUR INSURANCE COVERS AND AVE A CLEANING DONE PLUS HAVE HIM/HER CHECK YOU CAVITIES OUT. IF YOU DON'T GET YOU TEETH CHECKED YOU MIGHT END UP HAVING TO GET A ROOT CANAL DONE LIKE I DID AND THAT WILL COSTS YOU AN ARM AND A LEG. FOR NOW WHAT YOU COULD TAKE IS ADVIL.
Reply:The bad news is that if you dont get it taken care of it will only get worse and abscess and may cause you to need even more work than just the cavity. If you a student look into student dental coverage through the university. It isn't exactly the least expensive, but it is better than none. Also, most dentists will allow you to go on a payment plan of some sort. It took us 2 years to pay off some dental work my wife had done.

As for the dental gum, it only fills in the hole, it won't kill the infection. Cavities are caused by bacteria which eat away at your tooth. Once it is inside your tooth it has to be cut away then sealed in order to repair the damage.

Your only other option is to pull the tooth and treat the hole with antiseptic to keep any infection from getting in the socket. This will however do you no good if the root is already infected.

Best of luck! Try the migraine strength Tylenol to help with the pain.
Reply:Check around ... many cities have lower cost dental clinics and the teaching hospitals also offer low cost dental because it gives their students a chance to practice on real people (under the guidance of their professors of course). Then, choose a place, make the appointment and borrow the money you need because dental pain and infection will really screw up your health in no time.
Reply:First off there are no options on saving money at the dentist. The prices are just what they are. It seems to me that you're starting to get an absest tooth if you don't already have one. Borrow the money if you have to but unless you wanna loose you teeth they need to be fixed. Since you don't wanna ask your dad for the money here's an idea. Go get a job so he can see you're starting to be responible and then ask him for the money and tell him you pay him back as soon as you get paid. It's not gonna be cheap though so you'll probably have to spread out your payments. Also, Yes you need a dental plan. Rub Bengay on your jaw where it hurts.
Reply:First, good old ambesol(gel-less messy) and advil, for pain and inflamation of the gums. If there is a hole, then yes after cleaning your teeth ,putting pain gel on it, you can put a temporary filling in it until you get to the dentist, but remember, it's only ment to be temporary!! Next, you need to find your local COUNTY HEALTH CLINIC, all county health clinics have some sort of health care for people who either have medi-cal, or no health insurance at all!! A lot of them will refer you to their dental plan, with a pay scale(you pay according to your income) Seeing as you don't have an income they'll work with you on that as well!! Get your teeth taken care of though, an infected tooth can become very dangerous for your health!!! As far as getting insurance, you might want to go to your local SOCIAL SERVICES and apply for medi-cal, I believe depending on where you live, you will qualify for medi-cal until the age of 21yrs.(which cover all eye, general medical,and dental, with either full coverage or partial co-pay plans) so you better take advantage and apply now!! Unfortunatly our health care system/insurance, sucks and is very unafordable for us working class folk!!!!!!
Reply:ASK 4 HELP!!
Reply:Hi,

My sympathies for your tooth problem. Don't worry, if you need the money really bad to get your tooth fixed, I am sure your dad won't have any problems lending it to you.

It will cost anything between 100-150 per tooth depending on the type of filling you are going for. You could get a dental discount plan but the cost savings may not be much.

Just check with the locally available dental plans and their costs for fillings.

You have many options to get your teeth fixed:

1. Register with a local reputed dental school. Ask them if they will take patients. Most will do the work for free. You will be in hands of student dentists with supervisors around.

2. Go to your local health clinic. Most will have a dentist. You could free treatment or pay a small fee.

3. Talk to local dentists and chalk out a payment and treatment plan. This will be the paid option and you may need your father's help. But you can pay it back later.

I think a lot of people have given good suggestions here. Try them you should be fine.
Reply:A dental school is your best option. Try your local technical college. The one by me only does cleanings, no fillings, but yours might so it's worth checking out.

Sears Dental offers payment plans on their CareCredit. You charge the initial fee (like a credit card) and then have monthly payments. The good part is that if you can pay it off within 18 months, then there is no interest fee.

flip flops

What is a good company for Private Dental Insurance?

2010-05-15T16:54:00.000-07:00

I live in Colorado, and I want to know of a good company to get Private Dental Insurance from. I am not talking about these discount dental plans, I am talking about real, genuine, dental insurance that pays the most of the expense. My job does not have dental benefits.

What is a good company for Private Dental Insurance?
Try Metlife.
Reply:dental insurance
Reply:Delta Dental (I believe that is the name) is what my company uses.
Reply:Well there is a company called Ameriplan with a dental plan that comes with

free vision, prescription, chiropractic services for only $11.95/mo and you can also get the members of your household covered for $19.95/mo. I can honeslty say saves you alot of money; I never have to pay a deductible like you do with insurance ; there is no limit on how many visits or services and didn't have to wait for 30 long days; as soon as my ameriplan card came in the mail it was already active.

Need cheap/free dental work in PA or help finding insurance ASAP!?

2010-05-15T16:53:00.003-07:00

I absolutely hate that I have to write this as I hate asking for handouts, but I am in the worst pain of my life right now. I am absolutely terrified of dentists and haven't gone in years. My dental insurance ran out when I turned 23 in October (I am a college student and my college doesn't offer undergrads dental insurance). My lower K9 tooth has been killing me the past week and I'm in unbearable pain, nothing is helping. Pain pills, oragel, nothing. I've been brushing so much my gums hurt. The tooth either needs filled or (hopefully not) a root canal. There are two holes on the outside front from having braces many years ago. As a student I can't afford to pay out of pocket. Can any dentists offer free or discounted services (I am in State College, PA) to me or please tell me where I can get discount/temporary good-coverage insurance that will be able to be used immediately? I need this fixed ASAP, I can't even do my school work and it's finals week next week. I want to die. :'( :'(

Need cheap/free dental work in PA or help finding insurance ASAP!?
go to temple school of dentistry walk in early in the morning but you do have to pay a small fee,its cheaper than the regular dentist.unless your willing to get on a train and travel to delaware you can be seen in that state for free,Westside dental.

What is the best Dental Insurance for North Carolina??

2010-05-15T16:53:00.002-07:00

I need to purchase dental insurance for myself because I know I need to go get a cleaning etc. What is the most affordable insurance to purchase that covers the most %26amp; gives me options on which dentist I would like to go to? I know I have atleast one cavity so I need insurance that won't break the bank but will keep my teeth looking good. Thank you in advance!! Easy 10 points for best answer!!

What is the best Dental Insurance for North Carolina??
If the dental insurance is only to cover you, it is probably NOT worth it. Most dental insurances only pay 1,000 dollars a year max. While single people often pay that in premiums a year. Just check around but be sure that the amount you will pay a month does not add up to what the maximum is in a year. Many people are gettin takin over this.

I'm looking for dental insurance that will cover cosmetic dental work.?

2010-05-15T16:53:00.001-07:00

I have a lot of dental work needed, and it seems that I will need braces for a year then, "several" implants. I tried wearing partial but I could never get use to the pain it cause.

Can someone help me with dental insurance that will cover my implants?

I'm looking for dental insurance that will cover cosmetic dental work.?
Depends on how soon you want implants. If you can wait

1, 2 or even three years, some insurances might cover

implants after a long waiting period. Your best bet if you

want savings sooner would be a membership with

eHealthPlus, they will discount all your dental work, including

implants. There are no waiting periods.
Reply:"Insurance" and "cosmetic dental work" don't really go hand in hand. Just about any plan would cover braces though (if you're young enough!) The insurance companies are not out to lose money, so I doubt you'll find anyone willing to cover your cosmetic work for a small monthly premium.
Reply:You used the magic word that insurance plans love to here. COSMETIC - if something is considered cosmetic they will not cover anything unless you were in a car accident or some sort of traumatic medical issue - like falling off a roof and smashing your teeth then your teeth fall under your medical insurance.

If you stay away from the word cosmetic and you really do need implants (which I would recommend as the best way to go) you need to call around and talk to all the dental plans you can find and see if they cover dental implants.
Reply:We offer affordable Dental benefits that will cover all your dental needs. We have no restrictions on services or visits and all pre-existing conditions are covered.

Please send an e-mail to my office with your name and number to djohnston@inbox.com

men dress shoes

Dental Problem and No Insurance!?

2010-05-15T16:53:00.000-07:00

I have an impacted wisdom tooth and it's causing me extreme pain. The tooth itself isn't, it's the gum around it. I can't eat hardly and it hurts to open my mouth. I live in Sumter, Sc and none of the doctors will take me because I don't have dental insurance or a large amount of money to pay at once. Also a few of the have something call carecredit, well I've been turned down by that. I will go to Columbia, SC if I have to. Can anyone give me advice? Only serious people please answer, I'm in pain and do not feel like reading dumb answers. Thank You.

Dental Problem and No Insurance!?
It's infected. To help relieve some or all of the pain I would suggest the following:

1 teaspoon of baking soda

+ 1 teaspoon of salt

+ small amount of water

= paste

you rub that on and around the gum area where it is infected.

You can also try swishing warm salt water around your mouth a few times daily as this will help as well.

If you are not allergic to bananas I would also recommend eating those as well since they are a natural form of penicillin which will help kill your infection.

I hope this helps you out a bit until you can find a better solution to have it pulled. I don't live in the US to offer any valued dental referrals on your current situation although I did come across this : http://www.discountdental4u.net/ASAP2.ht...

I thought it may help your situation. Good luck!

Edit: I looked up on Ameriplan and there are two Dentist who currently accept:

Wesmark Family Dentistry

James Denny

360 W Wesmark Blvd Sumter SC 29150

(803) 469-2060

General Dentistry

Lime Fee Schedule

Extractions, Endodontics, Periodontics, Full Dentures, Cosmetic Dentistry,

Mon 8-5; Tue 8-5; Wed 8-5; Thu 8-5

Wesmark Family Dentistry

R Charles Hurst Jr

360 W Wesmark Blvd Sumter SC 29150

(803) 469-2060

General Dentistry

Lime Fee Schedule

Extractions, Endodontics, Periodontics, Full Dentures, Cosmetic Dentistry,

Mon 8-5; Tue 8-5; Wed 8-5; Thu 8-5
Reply:Is there a local dental school nearby? They might need "guinea pigs" to work on for free. Check out the local universities and ask for a sliding scale fee.
Reply:See if theres a college or university around you with a dental school. They always need guinea pigs.
Reply:Here is some info that may help you. It's an affordable dental discount plan for your entire household with savings up to 80% for only $19.95/ month. The package includes dental, vision, prescription, and chiropractic services. There is also a plan that offers medical and dental for $39.95/month.

Here is the website. Check it out. http://www.Deliveringonthepromise.com/JR...

or get info on line for low income dental plans
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 http://bestfitdentalplans.com and keying in your zip code to see which plans are available in your area.

I'm looking for dental insurance that will cover cosmetic dental work.?

2010-05-15T16:52:00.003-07:00

I have a lot of dental work needed, and it seems that I will need braces for a year then, "several" implants. I tried wearing partial but I could never get use to the pain it cause.

Can someone help me with dental insurance that will cover my implants?

I'm looking for dental insurance that will cover cosmetic dental work.?
This plan helps with costs: http://www.everyonebenefits.com/LMota
Reply:No Dental Insurance will cover cosmetic dental work. There are very few dental insurance plans that cover impants. Dental insurance is no where near as good as medical insurance.. It will be many years before that happens.. If you need a few implants.. your looking at the cost coming out of your own pocket.
Reply:Dental Implant and Laser eye surgery is very safe nowadays. My cousin got her dental implants and lasik surgery in India by a company called Forerunners Healthcare. The Price for dental and lasik surgery is very less in India. She paid 25% of the price she was quoted in America.

Forerunners Healthcare is very famous in India They arrange Dental surgery, jaw surgery, lasik eye surgery, Dental Implants etc for foreign patients in India. I read a lot about them in the Newspapers and magazines- about their patient stories.

They arrange financing for USA, Canadian, UK and other international patients who plan to have surgery abroad for low cost, as dental and eye surgery is not covered by insurance. They also have photos pasted of their International patients. You can checkout their website. There are huge cost savings. As a doctor I personally believe that surgery can be easily handled in India, as the quality of healthcare available In India is simply best in the world. The surgeons are USA/UK trained and facilities are 5 star.

http://www.forerunnershealthcare.com

Hope this helps.