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Dental insurance?!
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Baninated
Join Date: Jan 2006
Location: Drifting in space, all mashed up
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The Wookiee thinks he might need dental insurance. I know how it's really "pre-paid" but let's say there is a certain someone willing to pay for the insurance but not the actual cost of going to a dentist (yeah, i know it's weird).
Who might you suggest and can I do this all online?
Thanks!
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Last edited by Corpse of Chewbacca; Jan 5, 2006 at 02:23 AM.
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Grizzled Veteran
Join Date: Nov 1999
Location: Rochester NY
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I'd like to help, but I have no friggin idea what you are asking.
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“The love of liberty is the love of others; the love of power is the love of ourselves.” -- William Hazlitt
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Professional Poster
Join Date: Feb 2000
Location: Nashville, TN
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he seems to be asking "what will dental insurance really cover?" and the answer is, even with extremely good insurance, 50% or so of the actual cost.
doesn't it suck?
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Don't try to outweird me, I get stranger things than you free with my breakfast cereal.
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Addicted to MacNN
Join Date: Apr 2005
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Maybe if wookies starting brushing their ****ing teeth, foul bastards
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Professional Poster
Join Date: Dec 2001
Location: somewhere
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Does your employer offer dental insurance? If not, then you can pick up a discount plan for yourself for reasonable rates ($75-100/year). They will give you free exams & x-rays and considerable discounts on composites and crowns. The free exams & x-rays will generally more than cover the fee you paid for the discount plan.
Check out:
http://www.safeguard.net/ (I don't really know much about them other than the fact that they offer dental plans to individuals and that the company I work for accepts the plans)
http://www.coastdental.com/preferred.asp (I work for this company, which is not a provider of insurance, but a chain of dental offices that happens to offer a discount plan)
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Baninated
Join Date: Jan 2006
Location: Drifting in space, all mashed up
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I am a part-time employed, full-time student so no benefits. I have a private PPO for health insurance and they don't offer dental.
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Baninated
Join Date: Jan 2006
Location: Drifting in space, all mashed up
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Originally Posted by wallinbl
http://www.safeguard.net/ (I don't really know much about them other than the fact that they offer dental plans to individuals and that the company I work for accepts the plans)
grrr...
"If you would like to see more information about these plans, please enter your zip code below. Please note that these plans are available only in certain areas of California, Texas and Florida."
I'm in Boston.
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Grizzled Veteran
Join Date: Jan 2006
Location: Avoiding Hans advances
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You spelled wookiee wrong
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"You came in that thing? You're braver than I thought!"
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Baninated
Join Date: Jan 2006
Location: Drifting in space, all mashed up
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Banned
Join Date: Jun 2005
Location: Indy.
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Originally Posted by DeathToWindows
he seems to be asking "what will dental insurance really cover?" and the answer is, even with extremely good insurance, 50% or so of the actual cost.
doesn't it suck?
I must have amazing, out of the world, astoundingly awesome dental insurance then. I have yet to pay a penny for any dental work. Both my wife and I are covered and we both go in for cleanings, x-rays, and the occasional filling twice a year. I even had an emergency root canal a few years ago and didn't pay a penny.
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Addicted to MacNN
Join Date: Jan 2003
Location: Great White North
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Originally Posted by Railroader
I must have amazing, out of the world, astoundingly awesome dental insurance then. I have yet to pay a penny for any dental work. Both my wife and I are covered and we both go in for cleanings, x-rays, and the occasional filling twice a year. I even had an emergency root canal a few years ago and didn't pay a penny.
How much is your dental insurance then?
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Blandine Bureau 1940 - 2011
Missed 2012 by 3 days, RIP Grandma :-(
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Banned
Join Date: Jun 2005
Location: Indy.
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Originally Posted by Athens
How much is your dental insurance then?
I have no idea. My employer pays it.
Along with my optical and health insurance.
For health insurance I only pay $5 co-pay for office visits and prescriptions.
Zero for optical and dental.
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Addicted to MacNN
Join Date: Jan 2003
Location: Great White North
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well then thats why Most private dental, the ones people buy for themselves only cover a % which I found to be around 60% as a average.
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Blandine Bureau 1940 - 2011
Missed 2012 by 3 days, RIP Grandma :-(
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Banned
Join Date: Jun 2005
Location: Indy.
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Originally Posted by Athens
well then thats why Most private dental, the ones people buy for themselves only cover a % which I found to be around 60% as a average.
A person could buy the same health coverage I have. My brother does for himself and his daughter.
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Addicted to MacNN
Join Date: Jan 2003
Location: Great White North
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Im guessing its expensive much more then the regular ones people usually buy. Companies usually get a bulk rate discount with the more employees they have on it.
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Blandine Bureau 1940 - 2011
Missed 2012 by 3 days, RIP Grandma :-(
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Banned
Join Date: Jun 2005
Location: Indy.
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Originally Posted by Athens
Im guessing its expensive much more then the regular ones people usually buy.
But worth it.
Some people like to gamble and not get insurance. I guess that's why it's called "insurance".
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Addicted to MacNN
Join Date: Jan 2003
Location: Great White North
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yup now if we could cut out the fraud and stupid people of the world, insurance wouldn;t have to be so expensive.
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Blandine Bureau 1940 - 2011
Missed 2012 by 3 days, RIP Grandma :-(
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Banned
Join Date: Jun 2005
Location: Indy.
Status:
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Originally Posted by Athens
yup now if we could cut out the fraud and stupid people of the world, insurance wouldn;t have to be so expensive.
Stupid people will be with us for all eternity.
Fraud, now that is probably the root of all of the health care industry's problems.
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Addicted to MacNN
Join Date: Jan 2003
Location: Great White North
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all insurance, auto, home and business not just health.
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Blandine Bureau 1940 - 2011
Missed 2012 by 3 days, RIP Grandma :-(
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Banned
Join Date: Oct 2004
Location: Six feet under and diggin' it.
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Originally Posted by Railroader
Stupid people will be with us for all eternity.
^^^ How true!
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Addicted to MacNN
Join Date: Jan 2003
Location: Great White North
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and another sad fact, the stupid ones seem to live the longest too.
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Blandine Bureau 1940 - 2011
Missed 2012 by 3 days, RIP Grandma :-(
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Banned
Join Date: Jun 2005
Location: Indy.
Status:
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Originally Posted by Rolling Bones
^^^ How true!
Thank you for confirming my statement.
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Moderator Emeritus
Join Date: Mar 2001
Location: Austin, MN, USA
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What's the point of $5 copay? You spend that much just driving there!
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Banned
Join Date: Jun 2005
Location: Indy.
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Originally Posted by Xeo
What's the point of $5 copay? You spend that much just driving there!
I never really understood the whole co-pay thing myself. I've heard it actually discourages people from filling prescriptions. Isn't the point of medicine to get healthier so you don't get sicker and cost the insurance compnay even more money?
I walk to the doctor and the pharmacy
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Baninated
Join Date: Jan 2006
Location: Drifting in space, all mashed up
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So, uh, does any one have suggestions on private dental plans?
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Professional Poster
Join Date: Dec 2001
Location: somewhere
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Originally Posted by Corpse of Chewbacca
So, uh, does any one have suggestions on private dental plans?
Aetna Dental Access
GE Wellness Plan
UniCare 200 (Uni-Care 200, sometimes)
UniCare 100
Protective
ADI UltraCare
There are likely others, I am just familiar with these companies. These are discount plans, so your rates for procedures are fixed - there are no insurance claims. The rates are somewhere around $80-120/individual/year and $120-150/family/year.
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Professional Poster
Join Date: Dec 2001
Location: somewhere
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Originally Posted by Corpse of Chewbacca
So, uh, does any one have suggestions on private dental plans?
I think you'll have better luck on search engines if you go with individual dental plans instead of private dental plans. Most of them are 'discount' plans, so throwing that word in there might help.
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Addicted to MacNN
Join Date: Jan 2003
Location: Great White North
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Blandine Bureau 1940 - 2011
Missed 2012 by 3 days, RIP Grandma :-(
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Professional Poster
Join Date: Dec 2001
Location: somewhere
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Originally Posted by Railroader
I never really understood the whole co-pay thing myself. I've heard it actually discourages people from filling prescriptions.
It applies to office visits as well. Yes, it is a way to discourage people from making an appointment every time they sneeze. $5 is a little low for an office visit. $25 is affordable, but enough to make you think about whether you just have a cold and don't need a doctor.
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Moderator Emeritus
Join Date: Mar 2001
Location: Austin, MN, USA
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Originally Posted by wallinbl
It applies to office visits as well. Yes, it is a way to discourage people from making an appointment every time they sneeze. $5 is a little low for an office visit. $25 is affordable, but enough to make you think about whether you just have a cold and don't need a doctor.
Yeah that's my point. $5 is so little it may as well not even exist.
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Banned
Join Date: Jun 2005
Location: Indy.
Status:
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Originally Posted by Xeo
Yeah that's my point. $5 is so little it may as well not even exist.
Agreed.
I was amazed at the backlash when it was announced that the co-pay might jump 100%, all the way to $10. Shocked. I mean, how could they?!?! That's like 20 minutes worth of work. /SARCASM]
If I am sick, I am going to the doctor even if I have to pay for the entire cost. But then, I am not one to go for every little nick, cut, and head ache. Either something's about to fall off, or I am in so much pain I can't _________.
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Professional Poster
Join Date: Dec 2001
Location: somewhere
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Originally Posted by Xeo
Yeah that's my point. $5 is so little it may as well not even exist.
That all depends on your economic situation. If you only make $20-30k/year, then you don't have a lot of cash to spare. If you're hourly, then you're going to lose wages while at the doctor.
The copay amount is really up to the employer. They negotiate it with the insurance company, and it affects how much they/you pay for the insurance. If you've got a $5 copay, then your employer saw fit to pay a little extra for the insurance.
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Addicted to MacNN
Join Date: Oct 2002
Location: Boston, MA
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My wife had Dental Insurance temporarily. It was offered by employer. With the amount that she paid, it turned out not to be worth it.
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"Never give in, never give in, never, never, never, never - in nothing, great or small, large or petty - never give in except to convictions of honor and good sense." Winston Churchill
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Clinically Insane
Join Date: Jun 2001
Location: planning a comeback !
Status:
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Darn. I just checked my Dental that my Company offers. Isn't worth the money.
Gotta drop that next year.
-t
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Professional Poster
Join Date: Jan 2000
Location: Detroit
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Work pays for mine, but i have some things I would have to pay for: all cosmetic work isn't covered (like whitening); 50% covered for extractions/root canals and hmm, can't think of the last one. But cleaning, xrays, fillings, etc is 100% covered. No office copay.
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Banned
Join Date: Jun 2005
Location: Indy.
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Originally Posted by residentEvil
Work pays for mine, but i have some things I would have to pay for: all cosmetic work isn't covered (like whitening); 50% covered for extractions/root canals and hmm, can't think of the last one. But cleaning, xrays, fillings, etc is 100% covered. No office copay.
I think the only plan that covers cosmetic dental work is that which is offered to members of congres and the senate.
Seriously.
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Addicted to MacNN
Join Date: Oct 2002
Location: Boston, MA
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Originally Posted by residentEvil
Work pays for mine, but i have some things I would have to pay for: all cosmetic work isn't covered (like whitening); 50% covered for extractions/root canals and hmm, can't think of the last one. But cleaning, xrays, fillings, etc is 100% covered. No office copay.
You are very lucky.
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"Never give in, never give in, never, never, never, never - in nothing, great or small, large or petty - never give in except to convictions of honor and good sense." Winston Churchill
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Professional Poster
Join Date: Feb 2000
Location: Nashville, TN
Status:
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I'm covered through Delta Dental...****ing cheap bastards.
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Don't try to outweird me, I get stranger things than you free with my breakfast cereal.
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Professional Poster
Join Date: Jun 2005
Location: Yamanashi, Japan
Status:
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Dental is so worth it, as I found out this past week. Paid around $400 for some work. Stupid Japanese insurance doesn't cover dental. Curse you Japan.
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Baninated
Join Date: Sep 2005
Location: California, USA
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Addicted to MacNN
Join Date: Jan 2003
Location: Great White North
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Originally Posted by bostonblizz21
****ing spammers get a life
Use this link http://www.dentalplans.com/
His is a hidden affiliate link /afftracker.asp?affid=15592
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Blandine Bureau 1940 - 2011
Missed 2012 by 3 days, RIP Grandma :-(
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Clinically Insane
Join Date: Oct 2000
Location: Los Angeles
Status:
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Originally Posted by JoshuaZ
Dental is so worth it, as I found out this past week. Paid around $400 for some work. Stupid Japanese insurance doesn't cover dental. Curse you Japan.
That's an interesting remark. I would have thought Japanese dental care was good and inexpensive, similar to health care in the country. At least that's how the books portray Japanese health care - high quality yet cost effective. I was going to post a question about the price and performance of foreign dentistry anyway.
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"The natural progress of things is for liberty to yield and government to gain ground." TJ
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