Your Questions About Low Cost Dental Insurance

John asks…

Is there a low cost medical/dental Insurance company anywhere in Michigan or worldwide?

I haven’t had insurance Since I was 18. im 27 now. It really sucks. Im a stay at home Step mother ( well.. step girlfriend ).. and I have no income. My boyfriend has a really good job and he supports me. but we arent married so I cant be on his insurance.

Anyone have any info for me?

barry0912 answers:

I have a discount medical benefits plan, it helps me save on my doctor’s visits, lab work, and good savings on my dental work. It is not insurance, but the savings are good. The website should have more info for you….. Http://www.wehavebenefits.com

Donna asks…

What is the best, low cost health/dental insurance for a college student?

barry0912 answers:

Low cost won’t be the best it seems, but check yourself

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Your Questions About Low Cost Dental Insurance

Thomas asks…

My family has health insurance but, no dental where can we go to get low cost dental insurance?

barry0912 answers:

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.

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 $829. With insurance you pay $414 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 $829. With discount plans you pay around $746. 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/west/2006/11/22/74554.htm 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 $829. 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?locationid=20349 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.

Steven asks…

where to find low cost dental insurance and can choose any dentist in Texas?

here’s the story
8 months ago, a little piece of my filling between front teeth fell out, i didn’t fell anything and it doesn’t look noticeable so i left it like that…
i think about 4 months later, one day i woke up and found the part above my lips, underneath my nose swollen. it makes my face looks different like i look like a gorilla or something.
and later that day on my upper front gum there was 2 purple pus
i was freaking out and asked my roommates they told me to take some penicillin that my mom bought in mexico, then poke the pus, drain and see if its blood or white stuff
so then i did, freaking out and scared to death and sanitize a thumbtack with vodka
and poke the crap out of my mouth put pressure on it let it drain totally
it was a lot of blood
few days after i kept taking penicillin the swellings are gone
i was too busy in school and working so i didn’t went to dentist immediately
and so on, it happened again this week
swellings are back but this time only on left side.
it came out a little pus today so far it’s white but i wonder if it’s gonna get bigger and became purple
i went to community dental clinic afternoon and my dentist tell me i got my tooth infected
i will need a root canal and fillings, he said it’s 70% possible to success
if he can’t save that tooth he will have to take it out!!!!
OMFG!!! WTF that’s my FRONT TOOTH!!
it’s gonna take 600 only for the root canal and if it didn work ill have to pay more for denture
i don’t have any insurance so i am begging to find a low cost dental insurance that doesn’t pick dentist for me to go to
( because they don’t accept dental plans and insurance has to be for any dentist)
i am a college student taking financial aid and loans to pay tuitions,my car and my rent
i’m working 2 jobs as babysitter and cashier that doesn’t make big money and no one’s there to support me.

I really need help!!! please please does anyone knows which dental insurance that’s not so expensive and is for any dentist in Texas? );

BTW I live in College Station

barry0912 answers:

You’re not going to find private dental insurance that pays out more than it costs. Between coverage limits, waiting periods, and copays (btw, it won’t pay more than $1,000 a year, and you have to have it a full year before having anything major done, and it will pay HALF of a root canal).

What you need to do, is find a local dental school. In College Station, that would be Baylor. You can get super low cost treatment, with a buncha students standing around watching.

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Your Questions About Low Cost Dental Insurance

Betty asks…

Is there such a thing as low cost dental insurance?

I need a dental plan with comprehensive coverage. Thanks!
Mclil, I’ll do that. Great idea. Best of luck to you and your husband, too. God bless both of you.

barry0912 answers:

I don’t have dental insurance so found out about the local University School of Denistry, which here in Las Vegas, NV is UNLV .. They take your wages and determine how much you will pay per dental visit by what your yearly income is which ours is quite low because my husband is disabled with one leg amputated and only a third foot left on the opposite let due to progressing diabetes problems since being diagnosed in 1994. He gets only $1100.00 a month and because he has so many other health issues, I have to be here with him…so therefore, I have to pay 25% of whatever the dental charges are and I have just got upper dentures which were affordable to me because of the discount. It will be a licensed dentist that actually works on you but there could also be students that may be on the side line watching and or learning the different techniques that’s being taught by the school. Hope this helps somewhat..you can call your local welfare office to get the low income information….BEST OF LUCK

Source(s):

University of Las Vegas, NV

Source(s):

University of Las Vegas, NV

Laura asks…

What is a low cost dental insurance? DFW area with no waiting period?

I need a very good insurance for my 2 teenagers and myself. They need braces and other work done ASAP

barry0912 answers:

I would encourage you to visit this great website: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago and they have saved me thousands of dollars on all of my dental services since I was in college. From extractions to xrays, fillings, Cleanings, root canals, and even my braces had very great coverage. They even had my affordable benefits active in 2 hours and was able to use them the very same day. Good luck and Hope this helps

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