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Ace | My insurance plan from work does not offer dental care...Is there any type of dental care I can apply for? |
My company pays for the insurance. |
 |
 
efflandt
|
If you take good care of your teeth and have no major problems, it may not be worth it. I am 56 years old and the only work I ever had to have done on my teeth other than cleaning was last year when I broke a molar on a piece of bone. The extraction was something over $200, but if I had dental insurance I would have paid much more than that over the years, and I think that has an annual deductable which would not have paid for it all anyway. But our regular medical insurance did co-pay for the prescriptions.
And like someone else said, dental insurance may not usually cover cosmetic or non-essential dental work other than an annual check up. |
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leysarob
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You just need to contact insurance agents in your area. Nearly all will have some type of individual policy dental insurance to offer. |
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Net Advisor
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Here is a ton of places to check for quotes.
http://www.google.com/search?q=dental+insurance&ie=utf-8&oe=utf-8&aq=t&rls=org.mozilla:en-US:official&client=firefox-a
Keep in mind it usually is a bit expensive for what you get. It generally does not cover cosmetic work. If you think you need it, weigh the costs verses the benefits you may use it for.
Keep Smiling! |
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magoo&me
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I know two plans that are available to purchase on an individual basis: Delta Dental has an HMO and a PPO available for individuals and families. www.deltadental.com is $32 to $38 a month for single coverage, pre-existing conditions have a one year waiting period. CompBenefits has a plan that is more affordable; but you have to see network dentists which is not a bad deal because pre-existing conditions are covered right away. www.compbenefits.com, $15 a month for single coverage, you get two cleanings a year, xrays, and two exams a year for no copay. The two cleanings, exam and xrays if you had to pay for out of pocket, would cost you more than the $180 a year to carry the policy. |
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â—ŠFitnessCutieâ—Š
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I was in a similar situation with my last job and decided not to get dental coverage. Have you considered setting up a Health Saving Account? That is what I decided to do. If you take proper care of your teeth & gums and have no history of requiring major dental work then avoid the high rates and premiums that many dental coverage plans have and save money in your own account. That way the money will be availible should you need it for dental work or some other financial emergency should one arise.
If you do look for an insurance plan be sure to ask plenty of questions about the coverage and read the fine print. Most plans have a waiting period so once you begin paying the monthly premiums there may be no coverage for major dental work i.e. root canals, bridges, implants, extractions for up to a yr or more. Also, check how much is actually covered and compair that to what your dentist actually charges. When I was looking at plans there were several that only covered $300/$500 on a root canal and since my dentist charges in upwards of $1300 I would be paying nearly half on my own on top of paying for insurance!
Just do your homework and decide if it's worth it.. |
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mbrcatz
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You can buy a private dental policy, but I've never seen one that pays out more than it takes in. |
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