what is a really good health insurance and dental insurance?
Question by Maria: what is a really good health insurance and dental insurance?
I have been shopping for insurance for a few weeks now and would like some second opinions. What health and dental insuranc edo you have and do you like it?
Best answer:
Answer by Elise
It all depends on your age and if a portion of your premium is being covered by your employer. If you have to pay it all, then Kaiser is the cheapest, but is only available in some states. Then the rest are pretty much the same, Blue Cross, Blue Shield, Aetna, Western Health, Pacific Care, etc…
The other difference is if you want a PPO or an HMO. A PPO tends to be more expensive and you would pay a percentage of each visit this is called co-insurance (usually 20%) along with an annual deductible. However, with the PPO you don’t have to go to your “home” doctor to get a referral for a specialist like on OBGYN.
The HMO is generally cheaper, no deductible and you make co-payments, not co-insurance.
I have and EPO through Aetna witch is an HMO and I like it alot.
Hope this helps!
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How come dental insurance isn’t like health insurance?
Question by haha1000: How come dental insurance isn’t like health insurance?
If you have a broken arm you get surgery and get it fixed
You pay a certain amount and there is no limit
How come if you have a broken mouth…You only get a small portion with dental insurance.
If dental / oral health can ruin overall health..shouldn’t dental health be like going to the doctors and getting what needs to be done …done…regardless of ability to pay but allow the dentist to make full profit like a doctor in a hospital?
Best answer:
Answer by Hello my name is Sami
Because some dental insurance doesn’t cover all what happens to your mouth. You have to buy enough to have your whole mouth covered in the insurance.
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Q&A: Why is the co-pay for dental insurance more expensive than health insurance?
Question by 2fine4u: Why is the co-pay for dental insurance more expensive than health insurance?
I compared the co pays on several reputable dental insurance companies and it is very expensive. Many things are not covered, even with the best dental insurance. Health insurance is usually a 10 dollar co pay for primary physicians and a 35-50 dollar co pay for specialty physicians. Is there any reason why dental insurance co pay is as expensive as it is?
Best answer:
Answer by Jennifer
You only go to the dentist one or twice a year if you don’t have any problems, and even if you do have a problem, you only go a few times more than that. I’d rather pay 10 dollars for a physician because I go there more often than I do the dentist.
Also, dental care is really, really expensive, and it’s hard for dental insurance companies to make money because people put the dentist last on their list of places to go unless they’re in unbearable agony.
Braces cost $ 5,000 and up where I live, and even a regular teeth cleaning costs three figures. We have a good friend who is a dentist, and he has a hard time earning a living because people put off going, and when they do come they don’t like to have any work done anyway.
I’m sure there are many other reasons for the copays being so high, but this is just my experience.
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Is there a way that I can add my mother to my employer’s group health plan and dental plan?
Question by PianoMan_64: Is there a way that I can add my mother to my employer’s group health plan and dental plan?
I’m trying to find out if there is a way that I can add my mother to my employer group health and dental plan?
Best answer:
Answer by the_only_solorose
you would need to ask your insurer, usually, if she is disabled and not working, and living with you, then they will add her to your coverage.
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What’s the difference between health/dental insurance and a health/dental plan?
Question by KatieKat: What’s the difference between health/dental insurance and a health/dental plan?
I don’t get insurance through work but I saw something online for health and dental plans. They seem a lot cheaper than getting insurance on my own.
Has anyone tried this? Is there a catch I’m not seeing?
Thanks!
Best answer:
Answer by Zarnev
With a dental plan the company sponsoring the plan doesn’t pay out anything. With dental insurance the insurance company pays the dentist.
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, 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. You can find one here: http://www.yourhealthplanadvisor.com/Dentalschools.html
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 $ 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.
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 $ 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/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 $ 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?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.
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Does dental health fall into the science category when teaching preschoolers?
Question by mrs.sizemore024: Does dental health fall into the science category when teaching preschoolers?
I have to read/volunteer in a preschool classroom tomorrow. They are learning about dental health this week, so I figured it would be appropriate to read about dental health. I know it could easily fall under health– but my professor specifically said to read books about science, math, and social studies. This would be science too I’d imagine??? Please help!
Best answer:
Answer by Roger
it should.
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