dental insurance- Budget101 Discussion List

I work in a dental office and deal a lot with ins. Individual ins. usually is not worth the money. Normally it does not include major coverage or it has 12 to 18 month waiting periods. Also insurance does not cover at 100% for anything other than check-ups and there is maximum the ins.

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Results 1 to 13 of 13
  1. #1
    Amy
    Guest

    Default dental insurance


    I work in a dental office and deal a lot with ins. Individual ins.

    usually is not worth the money. Normally it does not include major

    coverage or it has 12 to 18 month waiting periods. Also insurance does

    not cover at 100% for anything other than check-ups and there is

    maximum the ins. will pay each year ($500-$1000). To figure out if it

    is worth it, find out an estimate of the work to be done. If you add

    your copay and the amount you pay for the insurance, it is usually more

    than the cost of the procedure. On the other hand, if you do not have

    insurance you can ask the dentist about a discount for cash payment.



    Amy










  2. #2
    M. Alycee Dupree-Asberry
    Guest

    Default dental insurance


    We don't have insurance and nor a lot of money. Is there a dental school or office that would pull a tooth at a low price? This tooth must be pulled immediately.

    Amy <msamysue2000@yahoo.com> wrote: I work in a dental office and deal a lot with ins. Individual ins.
    usually is not worth the money. Normally it does not include major
    coverage or it has 12 to 18 month waiting periods. Also insurance does
    not cover at 100% for anything other than check-ups and there is
    maximum the ins. will pay each year ($500-$1000). To figure out if it

    is worth it, find out an estimate of the work to be done. If you add
    your copay and the amount you pay for the insurance, it is usually more
    than the cost of the procedure. On the other hand, if you do not have
    insurance you can ask the dentist about a discount for cash payment.

    Amy




    <FONT face="system" color="#0000ff">Sincerely, <FONT face="system" color="#0000ff">Michelle A. Dupree'-Asberry

    &#32;
    Be a better friend, newshound, and know-it-all with Yahoo! Mobile. [/url] "] Try it now.[/url]


  3. #3
    Shussy Sassmannshausen
    Guest

    Default dental insurance


    Check your phone book for a local dental
    school, also check with your County Hospital. Highland Hospital, Oakland,
    California has a clinic, as do many other
    hospitals across the country.
    Shussy


    On Fri, Feb 15, 2008 at 12:07 PM, M. Alycee Dupree-Asberry <madasberry@yahoo.com> wrote:


    We don&#39;t have insurance and nor a lot of money. Is there a dental school or office that would pull a tooth at a low price? This tooth must be pulled immediately.

    Amy <msamysue2000@yahoo.com> wrote: <blockquote style="BORDER-LEFT: #1010ff 2px solid;">

    I work in a dental office and deal a lot with ins. Individual ins.
    usually is not worth the money. Normally it does not include major
    coverage or it has 12 to 18 month waiting periods. Also insurance does

    not cover at 100% for anything other than check-ups and there is
    maximum the ins. will pay each year ($500-$1000). To figure out if it
    is worth it, find out an estimate of the work to be done. If you add
    your copay and the amount you pay for the insurance, it is usually more

    than the cost of the procedure. On the other hand, if you do not have
    insurance you can ask the dentist about a discount for cash payment.

    Amy

    [/quote]



    <font face="system" color="#0000ff">Sincerely,
    <font face="system" color="#0000ff">Michelle A. Dupree&#39;-Asberry




    <span style="COLOR: white;" width="1">

    [/quote]




  4. #4
    Monique
    Guest

    Default dental insurance


    Yes, contact a school. The prices are not that much less, but you may be able to find them slightly discounted.


    On Fri, Feb 15, 2008 at 1:07 PM, M. Alycee Dupree-Asberry <madasberry@yahoo.com> wrote:








    We don&#39;t have insurance and nor a lot of money. Is there a dental school or office that would pull a tooth at a low price? This tooth must be pulled immediately.

    Amy <msamysue2000@yahoo.com> wrote: <blockquote style="BORDER-LEFT: #1010ff 2px solid;">

    I work in a dental office and deal a lot with ins. Individual ins.
    usually is not worth the money. Normally it does not include major
    coverage or it has 12 to 18 month waiting periods. Also insurance does

    not cover at 100% for anything other than check-ups and there is
    maximum the ins. will pay each year ($500-$1000). To figure out if it
    is worth it, find out an estimate of the work to be done. If you add
    your copay and the amount you pay for the insurance, it is usually more

    than the cost of the procedure. On the other hand, if you do not have
    insurance you can ask the dentist about a discount for cash payment.

    Amy

    [/quote]



    <font face="system" color="#0000ff">Sincerely,
    <font face="system" color="#0000ff">Michelle A. Dupree&#39;-Asberry











    --
    Monique




  5. #5
    Vickie
    Guest

    Default dental insurance


    I think the cost of dental insurance is well worth the money. I pay $40 a month for insurancethat includes health, dental, vision & rx for both myself & hubby. Dental pays $2000 per year with no waiting period & pays 100% for check ups & cleanings twice a year. I know that everyone isn'tluckyenough to have such a good insurance plan.That's the main reason I stay at my job.

    Amy <msamysue2000@yahoo.com> wrote: I work in a dental office and deal a lot with ins. Individual ins.
    usually is not worth the money.
    Normally it does not include major
    coverage or it has 12 to 18 month waiting periods. Also insurance does
    not cover at 100% for anything other than check-ups and there is
    maximum the ins. will pay each year ($500-$1000). To figure out if it
    is worth it, find out an estimate of the work to be done. If you add
    your copay and the amount you pay for the insurance, it is usually more
    than the cost of the procedure. On the other hand, if you do not have
    insurance you can ask the dentist about a discount for cash payment.

    Amy




    &#32;
    Never miss a thing. Make Yahoo your homepage.



  6. #6
    Yolonda
    Guest

    Default dental insurance




    I was able to get an emergency visit with
    our local dental school to have a tooth pulled. It cost me $85 for
    visit/pulling/meds. A private dentist quoted me $350 to start and that was
    without any complications (which would have cost me more since I had an
    impacted wisdom tooth). It did take a few hours longer as the students do the
    work and then have the instructor come and sign off but it was totally worth it
    to me. Good luck! Yolonda








    We don't have insurance and nor a lot of money. Is there a dental
    school or office that would pull a tooth at a low price? This tooth must be
    pulled immediately.



    <font color="white"><span style="color:_._,___




  7. #7
    Thomas & Tracy Harris
    Guest

    Default dental insurance



    you are lucky, dental school here ends up being MORE expensive, like almost triple.

    Thomas & Tracy Harris
    TNT Quarter Horses home of:
    TNTS Jack Be Blue - 2004 AQHA Buckskin Stallion
    TNTS Medicine Man - 2005 AQHA Perlino Stallion

    [quote]
    ----- Original Message -----
    From: Yolonda
    To: Budget101_@yahoogroups.com
    Sent: Friday, February 15, 2008 8:38 PM
    Subject: RE: Budget101.com : dental insurance


    <DIV class="Section1">
    I was able to get an emergency visit with our local dental school to have a tooth pulled. It cost me $85 for visit/pulling/meds. A private dentist quoted me $350 to start and that was without any complications (which would have cost me more since I had an impacted wisdom tooth). It did take a few hours longer as the students do the work and then have the instructor come and sign off but it was totally worth it to me. Good luck! Yolonda





    We don't have insurance and nor a lot of money. Is there a dental school or office that would pull a tooth at a low price? This tooth must be pulled immediately.

    <FONT color="white">_._,___



  8. #8
    Melissa Calapp
    Guest

    Default Dental Insurance



    Does anyone know where to get cheap dental insurance that will cover some major dental issues?

    Thanks,
    Melissa



  9. #9
    Clarice Stewart
    Guest

    Default Dental Insurance


    try www.ehealthinsurance.com or call insurance agenies in your area.

    --- On Wed, 8/20/08, Melissa Calapp <liscalapp@hotmail.com> wrote:

    From: Melissa Calapp <liscalapp@hotmail.com>
    Subject: Budget101.com : Dental Insurance
    To: Budget101_@yahoogroups.com
    Date: Wednesday, August 20, 2008, 3:55 PM


    <DIV id="yiv465680663">


    Does anyone know where to get cheap dental insurance that will cover some major dental issues?

    Thanks,
    Melissa




  10. #10
    Monique
    Guest

    Default Dental Insurance


    There is no such thing. Generally, people only buy individual dental

    insurance in preparation for major dental work. Therefore the

    insurance company realizes that it doesn't make sense to charge

    $100/month, for example, and then have its customers file immediate

    claims. Its called 'buying a claim" in the industry. Most individual

    dental insurance will exclusive pre-existing conditions for about 12

    months.



    On Wed, Aug 20, 2008 at 3:55 PM, Melissa Calapp <liscalapp@hotmail.com> wrote:

    > Does anyone know where to get cheap dental insurance that will cover some

    > major dental issues?






  11. #11
    d morgan
    Guest

    Default Dental Insurance


    I didnt have dental insurance and I had to get about 4 root canals and 4 caps put on. When you do the math it came to about 1500.00-2000.00 per tooth for just a regular dentist and root canal guy.
    My SIL is a dental hygenist and she recommended that I go to a dental school to get my root canals done. They do other work there to, but I am not exactly sure what.
    You may want to ask your dentist to see if there is a school in the area that you could go to.

    For instance, A root canal here in STL, MO would cost around $800-$1000.
    At the school it cost me $460.00



    <font style="color: rgb(64, 0, 127);" face="comic sans ms"><font face="Arial" size="4"> 10pt;font-family: Arial;"><span style="color: rgb(0, 127, 64);"><span style="color: rgb(0, 127, 64);">One
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    where to get cheap dental insurance that will cover some

    > major dental issues?


    [/quote]




  12. #12
    tabernardy
    Guest

    Default dental insurance


    Another thing to keep in mind.....most of the dental insurances I have

    had experience with is that YOU still have to fork over quite a bit of

    money for the things being done. It didn't cover the items fully.

    The difference between what I had to pay with insurance versus without

    wasn't that much and I was better off putting that amount I was paying

    for dental insurance in the savings account. And as someone else

    mentioned, there's usually a certain length of time you have to be on

    the insurance before they will pay for certain things (to keep from

    paying for pre-existing conditions)



    trisha








  13. #13
    Monique
    Guest

    Default dental insurance


    For group dental at work, it really is a good deal. But, for

    individual, it is SUPER expensive because the majority of people don't

    purchase it 2 get 2 cleanings a year.

    On Thu, Aug 21, 2008 at 10:13 AM, tabernardy <tabernardy@hotmail.com> wrote:

    > Another thing to keep in mind.....most of the dental insurances I have

    > had experience with is that YOU still have to fork over quite a bit of

    > money for the things being done. It didn't cover the items fully.

    > >

    >







    --

    Monique






 

 

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