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Dental insurance....Which one had better covering??? |
I dont have SSN but i would like to have a health and dental insurance, Could you give me some advises???At least...could you recommend me a cheap denstistry in East LA??? thanks. You may need SSN for certain health benefits. Have you taken a look at the MySimpleCard membership? They include health and dental and they won't ask you for the SSN as long as you can pay and have a valid address in the USA. They have a fantastic network in Southern California. Source(s): http://MySimpleCard.com You might need a SSN to get health insurance. A little far from East L.A., but worth the trip to La Puente, CA. About 25 minutes from your place. Dr. Marin, very gentle and affordable. His website is www.doctormarin.com www.doctormarin.com dental insurance is not cheap. A personal one, not through a work place, usually--- is not worth the purchase price. The premium is more tha the benfit. What you are looking for- A policy that has benefits more than the premium. 40 a month x12 equal 480. The cost of a cleaning is 100 without xrays. 200- 240 with xrays. If you go once for a cleaning exam, and xrays- you save 200-240. Some policies have a limit one what you can do for 12 months, some for 36 months. example- if you need a crown or a root canal , it is not covered for a year. They word it- paid at 50% of ucr or a fee schedule. The fee schedule can go like this.- they pay 100% of your cleaning based on their fee schedule. Your cleaning is 200. they allow 10. you owe 190 plus your premium to the insurance company. You need a rootcanal. They pay 50% of UCR. (usual and customary- only they pick what that is.) the dentists charges 800 for a molar root canal. You think okay I owe 400---- but they have UCR for a root canal at 100. they pay half of a 100or 50 and you owe 750. PLUS your deductable once. ie 50 deductible. You may qualify for governmant benefits- medicall medical and dental.. There may be a Church that has a health clinic. Lots of the Catholic churches run free clinics. Call your church and ask- call a medical office and ask. People in the business usually know where you can go for free. |
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