Does anyone know for dental question

Question

so my brother has no health insurance and needs to get his teeth fixed really really bad( for fillings) what can i do about getting health insurance for dental ?? can i just get dental insurance ..and how long will it take to go into effect??? i made him go to get a cleaning for the 1st time in 6 yrs and it was so horrible beacause they listed on his chat that he had RAMPANT decay

Answer 1

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Answer 2

You sound like a great sister! And you are right to try and get things fixed sooner rather than later. Decay does not heal itself and will progress until it goes from needing a filling to needing a root canal or worse, an extraction.

Assuming you are in the US, most health insurance companies offer dental insurance as well. Check Blue Cross & Blue Shield, they tend to be the biggest private carriers. How long before they take effect, what their premiums are and what treatments they cover will depend on the individual insurance company and policies.

Before you purchase dental insurance, look hard at whether or not it will be worthwhile. Insurances have annual maximum amounts that they will pay and only pay a certain percentage of the work billed. Sometimes it can be just as cost-effective to simply pay for the work out of pocket and take the tax deduction at the end of the year. Ask the dentist he just saw for an estimate of the work that needs to be done. They will provide you a detailed print-out of the work and the cost. You can then compare that to the policy options and figure out how much the insurance will actually pay in the long run.

Another option, if you are near a university that has a dentistry program, is to try the University clinic. Dental students need patients to work on and the fees are usually quite reduced. The student dentists are supervised by senior personnel so you need not be concerned about getting sub-standard dentistry. The down side is the wait times can be very long and the procedures will take longer than usual because they are students developing their skills and dexterity.

If you do opt to simply pay out of pocket, there are financing options available. Check out CareCredit and Capital One Healthcare financing. They offer credit card type options and loans for medical/dental treatments are no interest for the first year or low interest rates. Watch the fine print. If you go with these companies, make sure you make every payment on time... it's when you miss or are late with a payment that they zing you with ridiculously high interest rates.

Good luck!