Dental insurance?

Question

My insurance expired this past March 31st because I turned 19 and so I am no longer on my parents insurance but while I was...I found out from the dentist that I have an impacted wisdom tooth. Well it wasn't bothering me then...but now all the sudden it is and I think it is errupted, because it is infected and is really sore and I can't eat or drink on that side. I really need to see a dentist but can't afford one without insurance. Does anyone know an insurance company(ies) that have affordable dental insurance with NO waiting period and allows pre-existing conditions. From my understanding...they can look at your dental records to see if the problem was from before. Thanks, and I live in NC.

Answer 1

I would not even both with dental insurance for several reasons. The premiums are very high and they will probably say you have a preexisting condition or make you wait a certain amount of time before you can use it. I would suggest you contact the nearest dental college. There is one in Chapel Hill. They can probably do work based on your income; at the same time, I am sure it is not free. Lots of luck!!

Answer 2

Ameriplan Discount Programs has a dental discount policy for $19.95 per month.  You can start immediately with no waiting and all pre-existing conditions are okay. Remember this is a discount program and not insurance.  You will have to look at the list of providers in your area.  Check that out first before you buy the policy because some states do not have providers with the Ameriplan program.  Go to www.MedicalAndDentalPlus.net for assistance and possible policy.  You can sign up on line and be good to go the next day.  Good luck and I hope that this answers your question and that you feel better soon!!

Answer 3

Raizel is correct you can get insurance to cover an existing condition. That would be like getting car insurance after your car is wrecked.

Dental insurance usually has a 6 month wait for simple extractions and a 18 month wait for surgery and major work and would run around $30 per month

The dental college is a good idea.

Having a tooth pulled should only run you about $250 without insurance. Just call a dentist and ask them how much for a simple extraction.