How much would zero deductible health and dental insurance cost for a single, healthy 25 year old male?
Question by Joel: How much would zero deductible health and dental insurance cost for a single, healthy 25 year old male?
I’m active duty military and I’ve been thinking about getting out. However, I’m wondering how much of my health/dental insurance factors into my overall salary. I’m trying to put a dollar value to it before I look for a civilian job. I have no health problems and I’m 25 years old.
Best answer:
Answer by cstep
There is no such thing for dental. However, if you are not having any issues with your teeth and are looking to just have them cleaned and fluoride treatments every 6 months, you can go to the local dental school for that. Where I live, a cleaning, x-rays and fluoride are around $ 500 in a dental office, but the whole thing is $ 81 at the dental school. There is a dentist and 2 hygienist on staff so you are guaranteed a great cleaning!
As far as health insurance, I really don’t know of one without a deductible. The lowest deductible I had was $ 250 and it was around $ 300 a month. My employer covered it though. Most employers will offer health insurance to their full time employees at no cost. It’s when you add family insurance that it gets expensive. Our current family insurance price is around $ 500 a month.
PS-Thanks for all you do in service!! 
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Where can I buy Health and Dental Insurance online?
Question by sage: Where can I buy Health and Dental Insurance online?
My husband and I both work but neither one of our employers offers health or dental insurance. Where can I go online to look at different plans? We live in the state of Georgia. Also…does Dental insurance normally come with Health insurance or do you have to purchase it separately?
Best answer:
Answer by mbrcatz17
Why do you want to buy it online? Great way to get scammed, buying it online. Also, it’s a great way to have your identity stolen – trust me, if someone can impersonate a paypal website, they can impersonate an insurance company website.
Plus, if you buy it online, how do you know it’s going to be VALID in your state? How do you know your emails won’t start bouncing as soon as they get your bank account info? You don’t.
Buy from a local agent.
Dental insurance comes seperately. AND, private plans almost ALWAYS cost more than they pay out. I’ve NEVER seen a private dental plan where YOU come out ahead, due to deductibles, copays, and waits.
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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!
What do you think? Answer below!
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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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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