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Dental Insurance - I have several major procedures I need done ASAP !!!!!? |
I have sevaral teeth that are giving me a fit and I recently just had an xray done and the dentist told me they have got to come out A-SAP! Two of them are my wisdom teeth and one is completly hollow and the root is exposed! It Hurts and they all look pretty nasty! Anyway, I have a $200 bill as of right now that I must pay before the dentist will even see me again ,but now to prevent from running up a ridiculous bill (cause I know it's gonna get expensive) I'm hoping I can get some insurance that will kick into effect right away and start to cover all this stuff that I'm about to have done. Atleast half the cost anyway. Has anyone been in this situation before and can tell me what to do? Any Advice at all? Thanks. Is there a dental school in your area? They will often do work for free. Nothing that will kick in right away, and nothing that covers 50%! Dental insurance is hardly worth it....they just don't pay very much. They cover the preventative, such as cleanings and offer discounts on cavity fillings, but nothing major like you need. Sorry! Dental Schools can offer you deals. Insurance won't help you. There are pre-existing condition clauses, and once you're diagnosed, you won't have coverage for that particular problem for 6 months. I'm sorry to hear about your problems. I know exactly how it is because I was in a similar situation last year. Dentists are outrageously expensive and dental insurance doesn't seem to cover anything. They take your premiums but don't want to pay much for the expensive procedures like extractions. I suggest you do what I did and check into discount dental plans. They are much cheaper than insurance (less than $100 per year) and they take effect immediately. The plan that I signed up for pays between 50% and 75% of my bills. The plans that are available depend on where you live. I used this site: http://dental-ppo.com to search by zip code and found several where I live in Florida. I recommend you check out that site and see what is available in your area. I hope everything works out okay for you. Find a dental office that takes carecredit. It's like a credit card for medical/dental stuff. You can apply online and if you pay the balance off in 18 mo. there is no interest. -Dental Assistant www.carecredit.com |
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