Cheap and Reasonable Health Insurance?

Question

My brother is 19 and he has no medical insurance and he needs to see a dentist extremely bad, he has decaying teeth and loads of cavities but he is not able to afford a dentist or anything. He does have a job but it would not be able to cover any of his dental problems. Is there any Health Insurance that would be great for him? So that he would only have to pay little or none getting his teeth fixed?

Answer 1

Maybe a visit to this site will help: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago when I was in college and they have saved me thousands on all services. From extractions, xrays, exams..etc. Dentures and cosmetic surgery are also included in this very affordable plan. They even had my benefits active in 2 hours and was ablet to use it the very same day. Good luck and hope this helps.

Answer 2

Health insurance as a rule does not pay for dental procedures. Some health policies will have dental as an option for an additional premium.

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. You can find one here: http://www.yourhealthplanadvisor.com/Den...

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 $919. With insurance you pay $460 after paying 18 months of premium (around $800 or $900). These plans do have checkups paid at 100% but for anything else you have to pay 20% - 50%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 $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/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 $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?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 3

it depends on your state and what is available, if he is a student there are usually student plans through the university, if not just check websites for health insurance, the rates can vary wildly by coverage so expect to pay at least $120/month