Q.:I would like information on dental insurance rates, on dental insurance for individual and percent coverage. I need work done, primarily dental implants. I also need root canals, ten of them. Right now I need one implant.
I've got a quote for this implant of about $2000, $900 for the implant and the rest for the dental crown. Root canals are $600 without coverage. I would like coverage asap. I have previously considered going to a dental school clinic but this route turned out to be very time consuming. So I want to go the private dentist office route. Dental implant will need to "sit in" for six months before I put on the crown. I really wanted to get to the dentist now to prevent further decay of teeth needing root canals.
J. N., Philadelphia, PA
A.: Dear J. N., In your situation you need the best dental discount plan you can get. A plan with highest percentage savings, no waiting periods, if possible no deductibles, and no exclusions on restorative work such as root canals or implants. There are several reasons why this will be the best solution for you. First, you want to get the implant work started asap and you want your root canals soon. Second, you have a lot of work to be done, well over typical dental insurance for individual carries annual maximums of $1000 to $3000. I will give you a list of dental discount plans for individuals. Make sure savings on root canals and implants are satisfactory, make sure you have a selection of dentists and specialists within the driving distance from your zip code, and sign up for one of the plans. There will be no waiting periods and you can start scheduling your appointment with a participating dentist as soon as tomorrow.
--Dental Cool
Resources
Dental Plans with no waiting periods no exclusions on services and no annual limits
Showing posts with label dental plan with no maximum. Show all posts
Showing posts with label dental plan with no maximum. Show all posts
Thursday, December 3
Need Teeth Work. No Dental Insurance. Four Teeth Implants.
Q.:I need teeth work done. Got no insurance now whatsoever. I need two teeth in the back pulled, on each side, total of four. I need these four teeth replaced, again with two teeth implants on each side. These would be four implants on top. My bottom teeth seem fine, none of them are deteriorating.
I have toothaches on and off. Haven't seen a dentist yet but I know they charge at least $50-$100 for an exam, $50-$60 for X-rays, not including cleanings. The extractions would be $150 or more each and I have seen implants advertised at $825 each. I may need general coverage for root canals sometime later but not now. I also have no health insurance at this time. I would have seen the dentist already if it wasn't for the costs involved. What do you suggest?
G. N., Palm Springs, California
A.: G. N., at this time, no dental insurance will help you much. The problem is you are in pain, you need your services right away. Any insurance worth their salt would not insure you because they would lose money if they paid for any major services like root canals or dental implants right away. So you could get started with an insurance plan but it won't help because insurance plans will have long waiting periods and exclusion clauses for major dental work. Most insurances do not cover dental implant work for example.
Not all is lost though. What you can do is sign up for one of the nationwide discount dental plans. As opposed to insurance plans, you can go see a dentist right away, get your services, even the major ones, and get instant savings on all these services. The restriction is that you need to see a participating dentist in order to receive the savings. I will list some of the largest plans of this kind for you. So just pick one that has dentists and specialists in / around your zip code, sign up for the plan and start scheduling your office visit. The selection of dentists should not be a problem in Southern California at all. Good luck!
--Dental Cool
Resources
Nationwide discount dental plans, Site 1
Nationwide discount dental plans, Site 2
I have toothaches on and off. Haven't seen a dentist yet but I know they charge at least $50-$100 for an exam, $50-$60 for X-rays, not including cleanings. The extractions would be $150 or more each and I have seen implants advertised at $825 each. I may need general coverage for root canals sometime later but not now. I also have no health insurance at this time. I would have seen the dentist already if it wasn't for the costs involved. What do you suggest?
G. N., Palm Springs, California
A.: G. N., at this time, no dental insurance will help you much. The problem is you are in pain, you need your services right away. Any insurance worth their salt would not insure you because they would lose money if they paid for any major services like root canals or dental implants right away. So you could get started with an insurance plan but it won't help because insurance plans will have long waiting periods and exclusion clauses for major dental work. Most insurances do not cover dental implant work for example.
Not all is lost though. What you can do is sign up for one of the nationwide discount dental plans. As opposed to insurance plans, you can go see a dentist right away, get your services, even the major ones, and get instant savings on all these services. The restriction is that you need to see a participating dentist in order to receive the savings. I will list some of the largest plans of this kind for you. So just pick one that has dentists and specialists in / around your zip code, sign up for the plan and start scheduling your office visit. The selection of dentists should not be a problem in Southern California at all. Good luck!
--Dental Cool
Resources
Nationwide discount dental plans, Site 1
Nationwide discount dental plans, Site 2
Friday, October 23
Surprise! Crown Work Quote $3500. How To Find an Affordable Dental Plan for Crown Work
Q: Hello Dental Cool, I am currently looking for an affordable dental plan. I need some extensive dental work done. I need some crown work on my two front teeth, and of course teeth cleanings and X-rays. The total quote on these services with my dentist was $3,500. I have been looking for a dental plan on the internet and found some. The information I found is overwhelming and confusing and the upfront premium payments are high. Can you suggest a good plan? I am not in any pain but my teeth are quite sensitive and I would like to see a dentist as soon as possible.
S. S., Riverside, CA
A: Dear S. S., you are making some great points there. The information one finds on the internet is indeed quite confusing. The biggest two issues with you are that you want to see a dentist soon and you have what most plans would consider a pre-existing condition.
Most insurance plans would impose long waiting periods for major dental work such as the crowns and would therefore not be helpful to you at this time. However, there are dental plans that can help you reduce your cost on preventative services and crown work immediately, as much as 50-80%. The downside of plans that have no waiting periods is that you will want to visit a dentist on their private network to receive the maximum benefit. Your dentist might not be on the plan. But then again, what do you like about the dentist that is charging you $3,500 for a couple of crowns?
Be sure to shop around and find a dentist that you really like and feel comfortable with.
Here is my recommendation for you: a plan that will save you up to 80% immediately. The plan is very popular in California and you will have plenty of great dentists to choose from. Please write back with the story about your experience.
--DentalCool
Recommended Plan
Dental Plan: Save up to 80% Immediately on All Dental Services
S. S., Riverside, CA
A: Dear S. S., you are making some great points there. The information one finds on the internet is indeed quite confusing. The biggest two issues with you are that you want to see a dentist soon and you have what most plans would consider a pre-existing condition.
Most insurance plans would impose long waiting periods for major dental work such as the crowns and would therefore not be helpful to you at this time. However, there are dental plans that can help you reduce your cost on preventative services and crown work immediately, as much as 50-80%. The downside of plans that have no waiting periods is that you will want to visit a dentist on their private network to receive the maximum benefit. Your dentist might not be on the plan. But then again, what do you like about the dentist that is charging you $3,500 for a couple of crowns?
Be sure to shop around and find a dentist that you really like and feel comfortable with.
Here is my recommendation for you: a plan that will save you up to 80% immediately. The plan is very popular in California and you will have plenty of great dentists to choose from. Please write back with the story about your experience.
--DentalCool
Recommended Plan
Dental Plan: Save up to 80% Immediately on All Dental Services
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