I need alot of dental work done, and am looking for insurance..

Question

I know that most if not all insurance companies won't cover preexisting conditions, however I have never been diagnosed with a condition since I haven't been to a dentist in forever. So my question is am I out of luck?? Am I gonna have to pay out of pocket?? Thanx.

Answer 1

Dental insurance is an option, but as you said most won't cover pre-existing conditions. Your other option would be a discount dental program, that gives you savings on what you pay out of pocket. They are usually very affordable and no paperwork or contract is involved. Just see the dentist, present your card, and they deduct the savings immediately. You can check it out at www.mybenefitsplus.com/trhonda2000.

Hope this helps,

Trhonda

Answer 2

Most individual dental insurance does not have a pre-existing conditions clause. Instead they have waiting periods.

You have five options with dental.

1. Go without insurance. If you have good teeth and just want the basics you probably don't need any plan. A yearly cleaning and exam and even an occasional filling will cost you less without insurance.

2. 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...

3. 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). Advantage - you can use any dentist with most plans.

4. 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.

5. 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

I've gone through the same thing -- still a bit painful,here is the resource help me a lot.http://insurance.free-onlinetip.info/ins...

Answer 4

Dental insurance doesn't pay much anyway. I'd go out of pocket and avoid the insurance if I were you.