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What to do if you have dental insurance but can not afford the large balance that is left over?
Wiki User
∙ 15y ago
For families of the United States, there is a dental plan specially for you. The plan is flexible and provides a wide coverage area than other plans, since it is designed to meet your needs. My braces cost me only $2000 rather than the national average of over $4000 because of the information on the blog. There are Thousands of dentists and doctors that are providers under this great plan, and they are closer to you in terms of location. Affordable without sacrificing coverage and services is what every family is searching for.
I also was in need of some type of coverage for braces because I believed my insurance did not cover enough. After months I found the perfect plan. Braces usually cost around $5000. I paid only $2200 for my braces because of this great plan I have.
You can choose a Dental Plan that covers Braces. 60% off Orthodontics, includes Cosmetic and Specialists. Free vision, Rx, and Chiropractic Care. Under $20/month for the entire household, related or not!
Affording bracesYou could purchase more dental insurance, but be careful. You may end up paying more in the long run than if you just borrowed the money. A large number of Orthodontists now offer no interest plans for up to a year, and extended plans for up to 5 years. It's helped many of our patients afford the care they need.Wiki User
∙ 8y ago
Wiki User
∙ 12y agoget a retainor!
^ what?! for a start, a retainer IS a type of brace. and next, retainers and train tracks are for completely different things! anyway, to answer your question!
well, if you live in the UK you can go on the waiting list for the NHS, which offers you free braces, but quite often this will mean you can't get coloured bands to go around the brackets, and they don't pay for Invisalign or the fancy discreet braces or anything. My orthodontist put me on a huge waiting list so my dentist referred me to an orthodontist with more funding, and they got started straight away! x
Wiki User
∙ 14y agoContact dental schools.
Look into places that will finance orthodontics -- like capitalone.com
~ T
There are charitable organizations that can help, such as Smiles Change Lives. Go to www.smileschangelives.org to find out more about this nonprofit that helps low income kids get braces.
Wiki User
∙ 12y agoWell I guess you just can't get braces. Or when your older you could save up money and get them yourself if braces are important to you. Braces can cost anywhere from $5,000 to $10,000, so it may be really hard but if you can raise the money then it might work, but why can't you get on the waiting list?
Wiki User
∙ 15y agoIf you are credit worthy, borrow the difference from a bank or credit union. If not, ask for a loan from a friend or family member. Work a second shift and save up the money. Sell a piece of jewelry or the second car. Take out a home equity loan. Cancel this year's vacation. Cancel HBO. Fire the gardener and mow the lawn yourself.
Work with the insurance coordinator in your dentist's office. She can show you ways to maximize the insurance benefits.
Wiki User
∙ 17y agoSee if your dentist will allow payment plans.
Wiki User
∙ 14y agoBraces are affordable for everyone because you can make a payment plans. can pay
Wiki User
∙ 6y agoInsurance should cover most of it, it's health related. If that's not possible, there are places that offers cheap braces placement.
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Where can I get individual dental insurance?
There are several sources for individual dental insurance and plans. I would suggest going with a large company like Aetna www.aetna.com.
What are different subject for Community dentistry projects?
DENTAL INSURANCE VS. DISCOUNT DENTAL PROGRAMS... (WWW.STERLINGDENTALPLAN.COM) FOR LARGE OR SMALL COMMUNITIES THE PROSPECT OF SUPPLYING DENTISTRY AT AN AFFORDABLE PRICE CAN BE VERY DIFFICULT. MANY PEOPLE ARE NO LONGER PROVIDED TRADITIONAL DENTAL INSURANCE THROUGH THEIR JOBS. ADDITIONALLY MANY PEOPLE CANNOT AFFORD TO PURCHASE INDIVIDUAL DENTAL INSURANCE THAT MIGHT COST UPWARDS OF $25/MONTH! DISCOUNT DENTAL PROGRAMS INSTEAD OF TRADITIONAL DENTAL INSURANCE MAY BE THE SOLUTION: TYPICALLY THIS WILL COST LESS THAN DENTAL INSURANCE, IN SOME CASES ONLY A FEW DOLLARS A MONTH AND HELP PROVIDE SAVINGS OF UP TO 50% AT DENTAL OFFICES. IF YOUR COMMUNITY AND YOUR CHILDREN NEED AFFORDABLE DENTAL WORK LOOK INTO GETTING ONE OF THESE PLANS. I HIGHLY RECOMMEND WWW.STERLINGDENTALPLANS.COM, THEY PROVIDE A PLAN THAT COSTS ONLY A FEW DOLLARS A MONTH, YET HELPS TO SAVE UP TO 50% ON DENTAL VISITS!
Did dental care plans expand the dental equipment industry?
Since a large proportion of the people covered by dental insurance opted not to receive dental care, the number of people insured in the country
Is orthodontics insurance the same as dental insurance?
With dental insurance you can get certain amount of dental care along with the orthodontic care. Dental insurance offers you facilities just like a health insurance. While taking the dental care a person also make necessary researches if his dental plan covers the orthodontic insurance. Whereas orthodontic dental insurance includes a large variety of other expenses, too. As for example if you require braces orthodontic insurance will help in covering the expenses too. It will help in covering the expenses incurred in braces adjustments and other routine check-ups too.
Does insurance cover a large portion of the cost of dental implants?
According to WebMD, dental implants aren't currently covered under most dental policies. However, some medical policies will cover the procedure. Check with your insurance provider and your dentist. Dentalsite.com can give discount ideas.
What is industrial life insurance?
Industrial life insurance is insurance sold to individuals that cannot afford large policies, usually in amounts such as $1000. The premiums are collected weekly usually at the policyowner
How much is a life insurance worth when mature?
You can buy any amount of life insurance that you want (and that you can afford). Policies can be as small as $500 or as large as many millions of dollars.
What is dental insurance?
Dental insurance, like most insurance is a plan where you pay a monthly premium and when you need dental care the insurance makes payment so you don't have to pay such a large amount to the dentist.This is a good thing to have but dental insurance does have flaws.1. Limits on the annual benefit: Dental insurance puts a limit on the annual benefit (Usually around $1,000). After that you have to pay 100% out of your own pocket.This is a problem because dental care can easily run over $1,000 so just as you really need insurance it stops working.2. Only covers treatments considered "Medically Necessary":This means that anything cosmetic isn't covered.3. Waiting period: There is a waiting period so you can't wait until you need a dentist to get coverage and see the dentist.
What services do Liberty healthcare offer to their clients?
Liberty Healthcare provides a large variety of insurance services to their clients. These services include health, dental, travel, and critical illness insurance.
Why You Need Affordable Dental Insurance?
When most people think of dental insurance, the first thing that comes to mind is financial coverage for routine cleaning. While that is certainly an important part of dental insurance, there are several other situations where dental insurance is a necessity. Dental surgeries like root canals, orthodontics to straighten teeth and cosmetic dental procedures can all be very costly if you do not have the proper coverage.Where to Find Affordable Dental CoverageIf you are fortunate, you have dental insurance provided to you through your employer. However, with more of the cost of wellness benefits being shifted to employees than ever before, it is a good idea to check your dental insurance policy to make sure that it covers everything you need it to cover. It is better to find out now that you have limited or no coverage on certain dental procedures than to have the procedure done and be stuck with a large bill.In the event that you have no employer-sponsored dental insurance or what you do have is inadequate, you can easily search the Internet and purchase your own supplementary dental insurance plan. To get the process started, just enter the title of this sub-heading into your browser. When your search engine returns the results, you will be presented with several options in which to investigate dental insurance plans.If you don't have a specific company in mind, a dental insurance comparison website may be the most helpful for you. With this type of website, you can compare prices and other features of several plans side by side and choose the one that best meets the needs of you and your family. You can either purchase the plan directly from the comparison website or be taken to the company's website directly to obtain more information.Precautions Before Purchasing Dental Insurance OnlineIf you decide to go ahead and purchase a dental insurance policy over the Internet, you should take the time to investigate the insurance company to make sure they provide good service and have not been subject to excessive consumer complaints. You can find this information by requesting a free report from the Better Business Bureau where the company is physically located, as well as searching the Internet for unbiased reviews from current and previous customers.
Where can a large family get reasonable health insurance quotes?
There are many different health insurance quotes one is able to get with large families. There are websites completely devoted to larger families such as Go Health Insurance and Health Insurance Direct.
Where can you get individual PPO dental insurance plan?
== == To find companies in your state that provide dental insurance or dental discount plans, go to the National Association of Dental Plans site (www.nadp.org) which has a directory of companies that offer dental insurance. The directory can be searched by state and you can select "individual" and get the list of just those companies that provide individual dental insurance in your state. The listing also tells you if the company provides dental HMO, dental PPO, dental indemnity (traditional insurance without a network) or a discount plan (not insurance but a discount off the dentist's fees who are part of the discount network). The term "plans" is sometimes used to refer to the companies that offer dental benefit products. There are four basic dental benefit products: dental HMOs, dental PPOs, dental Indemnity (traditional insurance with no network) and discount dental (not insurance but you get a discount on the fees charged by participating dentists). DHMOs, DPPOs, and Dental Indemnity products are "insurance. The National Association of Dental Plans site has a directory of companies that offer dental insurance that can be searched by state. You can select "individual" and get the list of just those companies that provide individual dental insurance or discount plans in your state. The listing also tells you if the company provides dental HMO, dental PPO, dental indemnity (traditional insurance without a network) or a discount plan. As of mid 2007 there are only 22 dental plans that provide individual dental benefit products across the nation and they do not all operate in all states. The number is increasing daily. Here are opinions and answers from FAQ Farmers: * I have found unicare offers a PPO plan for individuals. I am about to take out the plan on my child. I had been going back and forth on this for over a year. This is the only one I have found. And my sons dentist is in the plan. * Ameritras offers a dental PPO plan for family and individuals. * In reviewing this answer's history, it appears that some of the information you've been given pertains to a dental PLAN rather than dental INSURANCE. In my own attempt to find individual/family dental insurance, I found a plethora of DENTAL PLANS, but I was could not find any individual DENTAL INSURANCE. Further, there isn't an insurance broker or provider named Ameritas; there is, however, the Ameritas Insurance Corporation, but they only provide dental insurance plans for groups. I found this helpful information at the American Dental Association's website. Even on the ADA's website, the difference between the terms "dental plan" and "dental insurance" are not clearly stated. "What is dental insurance for individuals? Dental plan coverage for individuals is not commonly offered because dental needs are highly predictable. For example, you would not pay premiums for your dental coverage if the premiums were more expensive than the cost of the dental treatment you need. Since this is the case, insurance companies would stand to lose money (spend more on benefits than they receive in premiums) on every individual dental plan they write. There are, however, a few companies that offer a form of dental benefits for individuals. Most of these plans are "referral plans" or "buyers' clubs." Under these types of plans, an individual pays a monthly fee to a third party in return for access to a list of dentists who have agreed to a reduced fee schedule. Payment for treatment is made from the patient directly to the dentist. The third party acts only in the capacity of matching the individual to the dentist. The dentist receives no payment from the third party other than in the form of referral of patients. are differences between a dental PLAN AND dental INSURANCE." You see, the question asked was about dental INSURANCE. The answer, however, immediately refers to a dental "plan", as if it was synonymous with dental insurance! But then, in the second paragraph, it describes "referral plans" and "buyers' clubs"....more commonly known as DENTAL PLANS, not DENTAL INSURANCE! I found a website that explains the difference between plan/insurance much more clearly. I listed it in the "links" - but in case I did it incorrectly, just go to dental-resources.com and in the left frame, underneath the heading Financial (look for the Ben Franklin!), click on "dental insurance plans". There's also a link if you need to know about financing. *Note that it's a commercial site, not affiliated with the ADA. Also, I'm not affiliated in ANY way with this site or the ADA or anything DENTIST, period! (just in case) "Dental Insurance Plans & Programs Dental health is extremely important for individuals and families and it's financially helpful to have some form of dental coverage to minimize the costs of dental care. There is a difference between traditional dental insurance plans and discount plans. Let's first start out talking about dental insurance. It's typically only available to individuals and families who receive their dental insurance coverage through large groups or through their employers. There is a premium that the employer pays to have their employees dental care covered. So how does a Discount dental plan differ from a traditional dental insurance plan? A dental plan is very similar to holding a membership in a buying club? You pay a flat fee yearly. These gives you access to the provider dentists. The discount dental plan negotiates a discounted rate for typical services like hygiene visits, exams, fillings, cleanings, root canals, orthodontics, crowns etc with the provider dentists. The dentists agree to provide these services to you at the pre-arranged discount rates which are often displayed prior to purchasing the reduced fee plan. They are ideal for individuals and their families who do not get dental insurance coverage through their employer. There are substantial savings that can be obtained through the provider networks in the range of 10 60 %. The one drawback can be the limitation of only being able to visit a provider dentist. However even traditional dental insurance can have similar limitations." Some of the PLANS are pretty good, and can save you quite a bit of money. Our dentist is great, we found a plan she accepts and we get a decent discount on all services. Payment is expected up front! We had to get financing (it's like a dental credit card that you apply for) - ask your dentist about it. * Actually Ameritas does offer ppo dental plans but as someone else suggested, through groups only. However, there are groups you can join that offer these types of benefits. Be careful as some offer insurance products and some offer only discounts. We chose and bought the Valu+ plan. It currently (Aug 2006) costs $69/month for the whole family. It has Ameritas Dental, VSP vision, Liberty Medical discount diabetes supplies (my daughter is diabetic), an AD&D plan and an accident supplemental. I think I paid a one time fee of $30 to join the group but well worth it for my family. I was paying well over $100/month for dental alone.
