dental work/no insurance.?

Question

I will no longer have insurance in August. I need a lot of work done on my teeth. Is there any way that I can get insurance? I'm almost nineteen years old and i'm not a full time student yet, if that matters. I'm so scared to go because the costs are going to be sky-high.

Answer 1

The dental school is a good way but I wouldn't trust them for anything major. You can get dental coverage, your age and student status has nothing to do with it.

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 but which one you get depends upon your area and comparing the fee schedule to find the best for what you need covered.

Answer 2

Get the work done before August. I had to do the same thing a month before leaving my job. Take the earliest appt your dentist has to allow room to book more appts before the insurance expires. Don't forget the cleaning appt too. Or some dentists take payments. Couldn't hurt to ask. Or there are dental credit cards that some dentists offer or your credit card provider may offer. Or try a dental school in your area. I've had work done and no problem, the work is great. They're nice and to reg ppl, feels just like any dental place. If you like your insurance now, try to find out if they offer plans to individuals. Or check to see if your medical provider also offers dental plans. That way they're linked up and some offer discounts if you do. Good luck!

Answer 3

i'm no longer attempting to be advise, however the dentist is physically powerful. I hear that comparable tale generally happening. Dentists might desire to make money by some means, and in the event that they felt sorry for each individual without coverage, they could finally end up going bankrupt. yet there are fee plans available with the aid of dental finance agencies. they generally do a credit verify, so your chum could might desire to no longer be seen a credit danger.

Answer 4

If you have no other choice go to a University where they teach dentistry. They do a good job. The students are well supervised by professors that have degrees in D.D.S. and some have M.D.'s. as well.

Answer 5

HI,
GET ALL THE WORK DONE OR STARTED BEFORE AUGUST BECAUSE IT CAN BE COVERED IF BILLED BY THAT DATE.

Answer 6

if your able to look up dental plans that arent insurance they are cheap if you can look up eastern dental they are cheap...