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Forum index » Medicine forums » dentistry
Dental Insurance Recommendations for massive dental work?
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Joel M. Eichen
medicine forum Guru


Joined: 24 Mar 2005
Posts: 4062

PostPosted: Tue Jul 18, 2006 12:14 pm    Post subject: Re: Dental Insurance Recommendations for massive dental work? Reply with quote

Many insurances, in fact most max out at $1,500.
So you pay $300 to get $1,500 ..... if you are very lucky.

Why not spend effort getting a good dentist .. a good
treatment plan ... and begin .. slowly .. slowly .. to repair
years of damage?

Forget the nonsense.


Joel


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triadiemus@yahoo.com
medicine forum beginner


Joined: 17 Jul 2006
Posts: 2

PostPosted: Tue Jul 18, 2006 2:16 am    Post subject: Re: Dental Insurance Recommendations for massive dental work? Reply with quote

Unfortunately, changing jobs is not an option for me right now... at
least not soley for the purpose of geting dental insurance. I may just
see if I can work out some payment plan and pay for everything myself.
I know with insurance I'll probably have to wait 6-9 months before they
will cover anything anyways... and the molar is really starting to hurt
now... I have to avoid eating on that side.

Mark A wrote:
Quote:
Your best bet is find a job where you can purchase dental insurance.
Insurance is based on spreading risk over a large number of people, and you
probably will not find an individual policy that is affordable (insurance
companies are not stupid).

If you are self-employed, then try to find a business association you can
join that offers its member group rates for dental insurance.

Keep in mind that even for the best dental insurance policies (for employees
of large corporations) implants usually are not covered at all, and crowns
and other restoration work is usually covered at 50%.

But one good thing about insurance is that dentist will usually charge you
lower fees that are negotiated with your insurance company, even if you have
to pay 50% of the cost.
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Bogmyrtle
medicine forum beginner


Joined: 05 Jul 2006
Posts: 2

PostPosted: Mon Jul 17, 2006 10:28 am    Post subject: Re: Dental Insurance Recommendations for massive dental work? Reply with quote

<triadiemus@yahoo.com> wrote in message
news:1153106852.847251.169080@i42g2000cwa.googlegroups.com...
Quote:
This may not be the appropriate group to post this to. I am not a
dentist. If this post does not belong in this group could you please
point me to a more appropriate group to post to.

I am almost 30 years old. I quit going to the dentist when I was
probably 15. I've went since but only once about 6 years ago for a
cleaning. I had a bad experience as a child with a dentist that pulled
a tooth without numbing the area. He gave me the numbing agent where
they pinch your gums with some sort of clamp and stick a cotton swab in
there but then got interupted and when he came back he proceeded to
pull my tooth without numbing with a needle first.

Anyway, this experience has kept me from going to a dentist and as a
result I now have major dental problems. I did go for one cleaning
about 6 years ago and just sitting in the chair had me fighting off
panic attacks. They told me I had 15 pin-point cavities, needed my
wisdom teeth removed, and would probably have to get a root canal (or
two) as well as a bridge/implant for one of my top front teeth. I'm
sure things are worse now, although I've never felt any pain/sesitivity
until recently in one of my molar teeth.

Needless to say that was 6 years ago and I've let my fear from that one
stupid dentist keep me from getting things taken care of for too long.
I've always used the excuse that I can't afford it, which is somewhat
true... but I can probably afford insurance. What is a good insurance
program for a person in my position? Also, where I know I need all
this work done, am I even elligible for insurance? Any advise,
especially from practicing dentists, would be greatly appreciated.
Thanks.


http://www.dencover.com

Have a look at this ... There is no need for a check up before you join
....
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Mark A
medicine forum Guru Wannabe


Joined: 30 Apr 2005
Posts: 226

PostPosted: Mon Jul 17, 2006 3:52 am    Post subject: Re: Dental Insurance Recommendations for massive dental work? Reply with quote

<triadiemus@yahoo.com> wrote in message
news:1153106852.847251.169080@i42g2000cwa.googlegroups.com...
Quote:
This may not be the appropriate group to post this to. I am not a
dentist. If this post does not belong in this group could you please
point me to a more appropriate group to post to.

I am almost 30 years old. I quit going to the dentist when I was
probably 15. I've went since but only once about 6 years ago for a
cleaning. I had a bad experience as a child with a dentist that pulled
a tooth without numbing the area. He gave me the numbing agent where
they pinch your gums with some sort of clamp and stick a cotton swab in
there but then got interupted and when he came back he proceeded to
pull my tooth without numbing with a needle first.

Anyway, this experience has kept me from going to a dentist and as a
result I now have major dental problems. I did go for one cleaning
about 6 years ago and just sitting in the chair had me fighting off
panic attacks. They told me I had 15 pin-point cavities, needed my
wisdom teeth removed, and would probably have to get a root canal (or
two) as well as a bridge/implant for one of my top front teeth. I'm
sure things are worse now, although I've never felt any pain/sesitivity
until recently in one of my molar teeth.

Needless to say that was 6 years ago and I've let my fear from that one
stupid dentist keep me from getting things taken care of for too long.
I've always used the excuse that I can't afford it, which is somewhat
true... but I can probably afford insurance. What is a good insurance
program for a person in my position? Also, where I know I need all
this work done, am I even elligible for insurance? Any advise,
especially from practicing dentists, would be greatly appreciated.
Thanks.


Your best bet is find a job where you can purchase dental insurance.
Insurance is based on spreading risk over a large number of people, and you
probably will not find an individual policy that is affordable (insurance
companies are not stupid).

If you are self-employed, then try to find a business association you can
join that offers its member group rates for dental insurance.

Keep in mind that even for the best dental insurance policies (for employees
of large corporations) implants usually are not covered at all, and crowns
and other restoration work is usually covered at 50%.

But one good thing about insurance is that dentist will usually charge you
lower fees that are negotiated with your insurance company, even if you have
to pay 50% of the cost.
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triadiemus@yahoo.com
medicine forum beginner


Joined: 17 Jul 2006
Posts: 2

PostPosted: Mon Jul 17, 2006 3:27 am    Post subject: Dental Insurance Recommendations for massive dental work? Reply with quote

This may not be the appropriate group to post this to. I am not a
dentist. If this post does not belong in this group could you please
point me to a more appropriate group to post to.

I am almost 30 years old. I quit going to the dentist when I was
probably 15. I've went since but only once about 6 years ago for a
cleaning. I had a bad experience as a child with a dentist that pulled
a tooth without numbing the area. He gave me the numbing agent where
they pinch your gums with some sort of clamp and stick a cotton swab in
there but then got interupted and when he came back he proceeded to
pull my tooth without numbing with a needle first.

Anyway, this experience has kept me from going to a dentist and as a
result I now have major dental problems. I did go for one cleaning
about 6 years ago and just sitting in the chair had me fighting off
panic attacks. They told me I had 15 pin-point cavities, needed my
wisdom teeth removed, and would probably have to get a root canal (or
two) as well as a bridge/implant for one of my top front teeth. I'm
sure things are worse now, although I've never felt any pain/sesitivity
until recently in one of my molar teeth.

Needless to say that was 6 years ago and I've let my fear from that one
stupid dentist keep me from getting things taken care of for too long.
I've always used the excuse that I can't afford it, which is somewhat
true... but I can probably afford insurance. What is a good insurance
program for a person in my position? Also, where I know I need all
this work done, am I even elligible for insurance? Any advise,
especially from practicing dentists, would be greatly appreciated.
Thanks.
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