5 Responses to “Help i need to know a good dental insurance that i can get if you dont have insurance or what insurance that ?”

1. Stay True
   January 22nd, 2010 @ 9:47 am

   HI, I would encourage you to visit this site: http://www.healthsavings.ourperfectcard.com I signed up online over 5 years ago now and they have saved me thousands of dollars from root canals, xrays, exams, cleanings..etc. All services are included in this very affordable plan. They even had my benefits active in 2 hours and was able to use it the very same day. Hope this helps.

2. trisomy11q
   January 22nd, 2010 @ 9:47 am

   aflac if you can afford it or your states medicaid

3. Dental_girl
   January 22nd, 2010 @ 9:47 am

   What would you like to know. As far as the pricing, the monthly fees are very reasonable, and the service is great. With the dental you also get the vision, chiropractic, and prescription plans. If you need to know if there are providers in your area then I could check that too for you if you email me your city and zip. If you have any other questions feel free to email me.

4. my3lives
   January 22nd, 2010 @ 9:47 am

   Do you have any insurance at all? Medical?

   You can check with your current agent if you have one and see what dental insurance will cost you, as well as what it will cover, etc. If you do not have any insurance right now, you may want to just go speak with an agent locally first to see what options you have concerning insurance coverage all together.

   You may or may not even be able to get traditional insurance, this I don’t know for sure without knowing a bit more about your situation.

   But as for Ameriplan Dental, it’s not insurance, it’s actually a discount health card. Basically it works like this…
   1. It’s $14.95/mo for an individual & $19.95/mo for a family up to 20 people.
   2. There is no waiting period so you can actually start using it and saving right away, sometimes within 24 hours of enrolling should you be in pain and wish to get to the dentist ASAP.
   3. Search for a participating dentist in your area, or see if your dentist already is contracted with Ameriplan.
   4. Set the appointment.
   5. When you go in for your visit, you present your Ameriplan membership card when it’s time to pay. You will then get the immediate savings, no paperwork to fill out.
   For example if you are going in for a check up and to get your teeth cleaned, it could cost you around $175 without any type of coverage or plan in place. With the Ameriplan card you would pay the office $50 instead.

   Note, that’s just an example as fees vary from area to area, but I can say from personal experience that’s about what it averages out to when I use it.

   If you need to search for providers or take a look at the plans, visit http://www.mybenefitsplus.com/cberney

   Hopefully this helps answer your question.

5. Zarnev
   January 22nd, 2010 @ 9:47 am

   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 and 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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