Hey, what are normally covered under a standard dental insurance plan?

Message Author
ampm-bookmark
delicious-small Add to delicious
yahoomyweb-small Add to YahooMyWeb
blinklist-small Add to BlinkList
PostPosted: Fri Jun 27, 2008 9:58 am   Post subject:   

Hey, what are normally covered under a standard dental insurance plan?


_________________
Register Now to have your Insurance queries solved.
Sieth
Guest







PostPosted: Fri Jun 27, 2008 10:17 am   Post subject:   

That depends on the individual plan.



_________________

"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr.
Lori
Forum Expert
Leave a quick message

Lori
Forum Expert

Joined: 10 Sep 2007
Posts: 8080

Location: Missouri
287.93 Dollars($)

PostPosted: Fri Jun 27, 2008 1:05 pm   Post subject:   

Hi...there are a lot of things to be covered by your plan such as the basic dental costs associated with cleaning, dental checks, treatment of tooth & gum. This would also help towards providing you with a future security. The costs covered could just be part or the entire cost associated till the recovery. Thanks,

Plasticmind


_________________
Register Now to have your Insurance queries solved.
Plasticmind
Guest







PostPosted: Mon Jun 30, 2008 11:04 am   Post subject:   

Hi seith, the other posters are absolutely right. Depending upon the type of the plan and the provider, the dental insurance plan covers a wide range of costs associated with oral health care.



It covers the costs of regular dental check-ups, filling the cavities, whitening the teeth, care of the gums, root canals and bridges and so forth. There are dental plans available which covers the costs associated with fitting and maintaining the braces.



With the rising cost of dental care, investment in a good dental plan may save a lot for you in the future, though with an individual plan you may face problem with your budget. Many insurers now a days offer dental plan and health plan as a package. This may help you to lower the cost on individual policies. Also you can check with your employer for health and dental combo pack.

roddick
Senior member
Leave a quick message

roddick

Joined: 05 Oct 2005
Posts: 957


143.31 Dollars($)

PostPosted: Mon Jun 30, 2008 11:16 am   Post subject:   

Hi All, thanx for all the info Smile



Roddick, I can't go through the employer's plan, as I'm only a sophomore. Is there anything available that will fit into my situation?



It seems that individual plans will be quite expensive.


_________________
Register Now to have your Insurance queries solved.
seith again
Guest







PostPosted: Mon Jun 30, 2008 11:38 am   Post subject:   

Can't the students avail the health and dental care policy from their college authority?


_________________
Register Now to have your Insurance queries solved.
anonymous_12
Guest







PostPosted: Fri Nov 07, 2008 4:38 am   Post subject:   

My insurance through my husbands job covers a different % on each proceedure done and only up to 1000 a year. A root canal can take all of that. However I have found that with a lot of dental work a Dental Discount Plan called Ameriplan is even cheaper than insurance. You can get more info at mybenefitsplus.com/rrolson. Hope this helps.



system edited-link deactivated

WAHM4myboys
New member
Leave a quick message



Joined: 07 Nov 2008
Posts: 5


2.82 Dollars($)

PostPosted: Sat Nov 15, 2008 2:26 pm   Post subject: dental  

I thought i would 'throw this out there' , for those in the military....Reserves and National Guard ( to be specific). Tri-Care Dental is wonderful!! I recently purchased it. It REALLY covers quite abit of denatl work.

sdchargersfan
Senior member
Leave a quick message

sdchargersfan

Joined: 21 Aug 2007
Posts: 2052


5.14 Dollars($)

PostPosted: Sun Nov 16, 2008 11:58 pm   Post subject:   

I am with WAHm on this one. I didn't relize until recently that our dental only pays out $1500 a year. I haven't had to have a lot of dental work. My hubby who detests dentists has recently started to go and had enough work to keep a dentist in business for a few years LOL. Anyway we got half way to getting him that eprfect smile and now we have to wait until 2009 to finish. They are raisng the total amount of allowed care this coming year but that doesn't help us now. Thank goodness the new year is around the corner.

fireyone
Senior member
Leave a quick message

fireyone

Joined: 07 Jan 2008
Posts: 1986


2.44 Dollars($)

PostPosted: Mon Nov 17, 2008 11:54 am   Post subject: dental  

Ya know, FIREYONE. I was scared to death of dentists, at one time!! Never really felt 'comfortable' with any of them. This dentist, I go to now, is wonderful!! VERY understanding, doesn't judge me, etc. I think it's great.

sdchargersfan
Senior member
Leave a quick message

sdchargersfan

Joined: 21 Aug 2007
Posts: 2052


5.14 Dollars($)

PostPosted: Mon Nov 17, 2008 11:36 pm   Post subject:   

Thats how my hubby was but I got sick of hearing him whine about a tooth ache ans told him the pity party was over unless he started making good use of his dental insurance. Basically I feel $1500 would cover most yearly debtal work as long as you keep your appointmensts and tackle problems as they accur instaed of waiting for them to build up.

fireyone
Senior member
Leave a quick message

fireyone

Joined: 07 Jan 2008
Posts: 1986


2.44 Dollars($)

PostPosted: Tue Nov 18, 2008 1:45 am   Post subject: dental  

Now.........I can FINALLY get all of this dental work done that I need. I feel 'pretty good' about all of this. I have a pretty 'high pain threshold', but...when it comes to a toothache..OOUUUCCCCHHH!! Holy COW!!! I had a tooth infection, in late October. Was REALLY having a problem with it.

sdchargersfan
Senior member
Leave a quick message

sdchargersfan

Joined: 21 Aug 2007
Posts: 2052


5.14 Dollars($)

PostPosted: Tue Nov 18, 2008 3:27 am   Post subject:   

You never should put off a tooth infection whether you have insurance or not SD. A tooth infection can travel straight to the brain and kill you!!! I heard of a guy from around my area that ended up ion intensive care over an infected tooth. He ended up having to have the teeth taken out. The insurance company wasn't going to pay the bill since it had to do wiht dental except sonce it was life or death they did pay. Seriously...do not let one go too far.

fireyone
Senior member
Leave a quick message

fireyone

Joined: 07 Jan 2008
Posts: 1986


2.44 Dollars($)

PostPosted: Wed Nov 19, 2008 4:55 am   Post subject: dental  

Trust me.....even if I DIN'T have Dental Insurance, i would have gone SOMEWHERE!! Had to go to the Emergency Room, a few times, because I was in SOOO much pain. Doctor wrote out an Anti-botic and a pinkiller...enough for a few days, until I got to a dentist. Boy..I was hurting. FINALLY got it taken care of. Smile

sdchargersfan
Senior member
Leave a quick message

sdchargersfan

Joined: 21 Aug 2007
Posts: 2052


5.14 Dollars($)

PostPosted: Fri Aug 06, 2010 9:41 pm   Post subject: info  

it does cover that stuff, you just have to be in it at least a year to cover the “major stuff”



I also was apprehensive about this plan but after checking plans and calling a few dentists the info I get is your gona pay for this stuff one way or another and all plans seem to have a waiting period for major items, and ALL have some kind of co pays and deductible. What all I read the TriCAre plan seems to be fair on this stuff, although I agree the whole plan could have been written a bit better. As in my case as a 27 year retiree I was told I’d HAVE FREE care for life. So the only thing a retiree (or dependent) has is this plan and hope the Senate or Congress gets a better deal for us at some point.



I just found yesterday after paying $204 for a cleaning and a couple Xrays I needed perio work and a crown my cost would be $2,338, with no ins.



So with ins at least I can get a break on the perio as its included right off, the crown will have to wait a year. So I decided to join up this month and become effective the 1st Sept. So I can start the perio work at least.







============================================================

Benefits available during the first 12 months of enrollment: *Delta Dental Pays:



Diagnostic services(such as exams) 100%

Preventive services(such as cleanings) 100%

Basic Restorative services(such as fillings, including tooth-colored fillings on back teeth) 80%

Endodontics(such as root canals) 60%

Periodontics(such as gum treatment) 60%

Oral Surgery(such as extractions) 60%

Emergency (such as treatment for minor pain) 80%

Dental Accident Coverage 100%



==============================================================



Additional services available after 12 months of continuous enrollment or if enrolled within four months after retirement:



Cast Crowns, Onlays & Bridges 50%

Partial/Full Dentures 50%

Dental Implant Services 50%

Orthodontics 50%



============================================================

Deductibles & Maximums



Annual Deductible



per person $50

$150 cap per family, per benefit year



Annual Maximum (per person, per benefit year) $1200

Orthodontic Maximum (per person, per lifetime) $1500

Dental Accident Maximum

(per person, per benefit year) $1000



Benefit Year: October 1- September 30



*The percentage paid by Delta is based on the allowed amount for each procedure. While the coverage percentage is the same for all TRDP patients, total out-of-pocket costs may be higher if care is received from a non-network


_________________
Register Now to have your Insurance queries solved.
hoody
Guest







Quick Reply
Your Name
Subject
Message body
All times are GMT
 Previous  1, 2, 3, 4  Next  
Page 3 of 4


Get a Quote
Ask Community Experts

flash plugin

Quick Links

Must See

Community

Hot topics in forums

Latest in blogs

AmPmInsure on Facebook



Page loaded in 0.338 seconds.