by carol » Wed Jun 14, 2006 05:57 am
While most of us are concerned with health insurance due to the rising costs of healthcare, we neglect the important one-Dental Insurance. Dental diseases are common and should be protected by the dental insurance.
Dental insurance is a specific type of Health Insurance. It generally deals with the Dental professionals, mainly towards the procedures performed by them. Dental insurance is quite inexpensive to insure in terms of costs. Most of the dental plans do not have the deductibles which health insurance does.
Dental insurance is essential for the people who care about their teeth and also don't like to pay the full price for the dental works.
Dental insurance plans usually implement a waiting period o' about 6 months to 18 months before the beginning of the coverage. And the waiting period ensures that the new insurer will not pay for the old problems.
Suggested readings
US Oral Health
Related community discussion
A mental bite scoops up my dental pain !
Dental insurance is a specific type of Health Insurance. It generally deals with the Dental professionals, mainly towards the procedures performed by them. Dental insurance is quite inexpensive to insure in terms of costs. Most of the dental plans do not have the deductibles which health insurance does.
Dental insurance is essential for the people who care about their teeth and also don't like to pay the full price for the dental works.
Dental insurance plans usually implement a waiting period o' about 6 months to 18 months before the beginning of the coverage. And the waiting period ensures that the new insurer will not pay for the old problems.
Suggested readings
US Oral Health
Related community discussion
A mental bite scoops up my dental pain !
Posted: Sat Nov 08, 2008 03:07 am Post Subject:
I'm in California and have had experience with
Safeguard Dental and Vision.
safeguard.net
They have very affordable dental insurance plans and I have never had any negative feedback.
system edited-link deactivated
Posted: Sun Nov 09, 2008 10:20 pm Post Subject:
I imagine SD there are probaly alot of options out there. Ins. investigator could probaly pm you the link for Safe gaurd dental. Let us know what you come up with and don't forget to check out the Blue chip I mentioned. I really think you will find it is an awesome way to insure kids at a low cost.
Posted: Thu Nov 13, 2008 05:56 am Post Subject: insurance through military
Well.........I now have Tri-care Dental Insurance, through the military. I love 'em!! For the LONGEST time, Tri-Care was only for Active Duty personel. Or....Reservists could have gotten it, too....however, you HAD to get BOTH Medical and Dental. For Active Duty it was free. Reservists and National Guard you paid nearly $280.00, per month. That's alot of money. NOW....Reservists and National Guard can get either/or. Which is great for me..............I pay $23.00 per month for Denatl and ALL of my procedures are 90% covered. I'm just thrilled!!
Posted: Thu Nov 13, 2008 11:22 am Post Subject:
Thats really great. I thought you were looking for dental insurance coverage. Glad you have the coverage.
Posted: Thu Nov 13, 2008 12:35 pm Post Subject: dental
Tr-Care IS dental insurance. It 'works for me'.LOL I'm looking for good medical insurance, however. Something I can afford. Seems like whatever insurance it is, the premiums are just soaring.
Posted: Fri Nov 21, 2008 06:28 pm Post Subject: dental insurance recommendation
PPODentalPlus.com
Key Features:
- No waiting periods on Preventive Care Benefits
- Three plans to choose from
Freedom of Choice:
- Use your own Dentist
- Use a PPO dentist for additional savings - over 50,000 office locations
- Rates for all ages including 65+
Posted: Sat Nov 22, 2008 04:38 am Post Subject: insurance
Thanks for the info. I'll pass that info, to a friend of mine. She doesn't have Dental Insurance. Maybe she can look into this.
Posted: Thu Jan 29, 2009 10:47 am Post Subject:
Hi, can someone throw some light upon 'full coverage dental insurance'? does it mean that it'll cover all the expenses related to dental care? Also, does treatments for cosmetic reasons, like-teeth whitening covered under the dental plan?
Carmen :cool:
Posted: Thu Jan 29, 2009 01:04 pm Post Subject:
There are just about as many different styles of dental insurance as there are health insurance plans.
Some of the important things to look for in dental insurance:
(1) Most dental insurance plans have an annual maximum ($1,000-$1,500). This means that if you go to the dentist for a check-up, complete series of x-rays, a cleaning, two fillings, and one bridge - you have more than likely exhausted your dental benefits for the whole year.
(2) Most dental plans pay 80% (after a deductible) on minor dental services, then only pay 50% on the major procedures (root canals, etc.)
(3) Some dental insurance plans provide benefits for orthodontics (braces), others do not provide any benefits.
(4) Most dental insurance plans have an approved network of dentists and you must go to these dentists to be covered.
(5) Most dental insurance plans have a "pre-existing" condition provision which excludes dental coverage for existing dental problems for a specified period of time (6 months, 1 year, etc.)
Just like health insurance, don't buy dental insurance based on price alone, check out the benefits.
Posted: Wed Feb 04, 2009 12:03 am Post Subject:
And this has to do with dental insurance how? Insurance really is different from paln to plan. OUrs is through a place called Anthem dental and is much like Maze described in his first two listings. If your plan does fall under the $100-$1500 dollars yearly amount it is wise to have your dentist help you keep track especially if you are having a lot of work done in a calendar year. Checking with the receptionist after each visit will ensure you still have benefits remaining for the year. Also calendar years may be different from company to company.
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