Where can I find Affordable Dental Insurance. I recieve coverage from my job but need more coverage?
Monday, March 15th, 2010 at
8:23 am
I recieve 1000 a year form my job, and I need more work done. I have used the max, so please let me know what is the best plan for me
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Filed under: Continuing Dental Education Courses
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do you have a sam’s club store nearby? they have really affordable plans with good coverage-you might try samsclub.com. also if you or someone in your family is eligable for AARP they have plans too!
I would encourage you to visit this website: http://www.healthsavings.ourperfectcard.com I signed up online over 5 years ago now for all my dental needs and they have saved me thousands of dollars throughout the years. All services are included in this very affordable plan even cosmetic, dentures and orthodontics if needed. They had my benefits active in 2 hours and able to use it the same day. Check them out.
You will not get insurance cover for a known risk like a burning house or bad teeth. Any new or additional insurance will either not cover treatment or impose a waiting period on you. Save the money instead, an insurance is not a savings scheme.
You have three options in addition to your current insurance 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. You can find one here: http://www.yourhealthplanadvisor.com/Dentalschools.html
2. 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 $919. With discount plans you pay around $827. Be very wary of these plans because most are scams. The people that sell these plans have little or no knowledge about health & 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/west/2006/11/22/74554.htm concerning these plans.
3. Fee for Service discount plans - Cost $7-$15 per month payable yearly. 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 $919. 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?locationid=20349 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.