Insurance, braces, crooked teeth. HELP?

Question

I know that insurance companies check to see past "symptoms" or something wrong to check if you are insurable.

Here are my questions. Any answers would help.

Thank you.

1.If I have crooked teeth, would that affect if I am insurable or not? Well if I want to be covered for braces.

2.I am a 13 year old girl, so what kind of insurance shoud I get?

3.Is it possible to only get insurance coverage for only me?

4.If it is possible to get insurance, only for me how much would it cost?

Answer 1

Individual dental doesn't have a pre-existing condition clause; they'll cover all conditions. However, they do have a waiting period or a reduced benefit period for up to 24 months.

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). 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 2

Braces cost Anywhere from $3000-$6000. I paid only $2000 for mine because of this great plan I have. www.healthsavings.ourperfectcard.com I signed up online over 5 years ago now and have saved thousands of dollars on all services and procedures. From my braces, xrays, exams, cleanings..etc. All pre-existing conditions are accepted, they dont even ask. No age limits in this very affordable plan. They even had my benefits active in 2 hours and was able to use it the very same day. hope this helps.