Go Back   The Insurance Forums > Insurance Discussion > Dental Insurance

Reply
 
LinkBack Thread Tools Display Modes

  #1 (permalink)  
Old 01-13-2008, 12:37 AM
1st-time-mommy 1st-time-mommy is offline
Junior Member
 
Join Date: Jan 2008
Posts: 1
Default Dental Insurance question?

My husband has an extra tooth b.t his front tooth and his canine. He went to a detist when he was a teen but they said that the root went up then over then back up so it would be painful to take it out and the gap may or may now grow back. He decided not to do it. He wants it done now but only if the gap will grow back. He has somewhat crooked teeth, needs a few good cleaning of his teeth. His top front teeth are just a little to long and they need to be straight with hisother teeth,
Now my question..
we have no dental insurance...should we get it..would we save or spend more? thanks
also-what do i need to look for when looking up dental insurance?


Reply With Quote

  #2 (permalink)  
Old 01-13-2008, 12:37 AM
bbgirl bbgirl is offline
Junior Member
 
Join Date: Jan 2008
Posts: 1
Default

call your dentist or look up care net, it is a credit card for dental or medical only. it is intrest free for 1 year.
Reply With Quote

  #3 (permalink)  
Old 01-13-2008, 12:37 AM
spongebobrogers spongebobrogers is offline
Junior Member
 
Join Date: Jan 2008
Posts: 3
Default

Most likely the gap left between his teeth will not close and straighten on its own. He would probably have to see an oral surgeon to have something like this removed. At this age he would need braces in order to straighten and close this space after surgery. However, that would be only after the cleaning and fixing of all other teeth to make sure he is a candidate for braces. His teeth are well set so they are not going to just move greatly after having this tooth out. Most dental insurances are nto worth the money people pay for them. What you need to look at is how much it will cost you over a 1 year period vs how much the maximum that the policy pays out in 1 year. Most dental insurances policies pay only $1000 to 1500 dollars a year with you paying almost the exact same amount in that year. Plus, they do not cover the full amount on most dental procedures. Most people would do better to save that money over the course of a year. Most dentist offices now offer outside financial payment plans such as CareCredit that if you are approved offer no interest for 1 year, but after the year hit you with high interest.
Reply With Quote

  #4 (permalink)  
Old 01-13-2008, 12:37 AM
knitgirltiah knitgirltiah is offline
Junior Member
 
Join Date: Jan 2008
Posts: 2
Default

I am a patient finance manager. Dental insurance and dental necessity have nothing to do with each other. Most plans cover very little and are designed to pay higher amounts toward preventative things like exams and cleanings and little or nothing toward major things. My rule of thumb is if it doesn't come through a group (employer) or it tells you who to see don't get it. Also most insurance plans have a max of $1000 per year and it has been that same max since the 50s yet there are plans that cost more then $1000 a year. Many of the things you are explaining probably aren't even covered! You will probably spend a lot more buying personal dental insurance then you would ever see paid out of it.
Reply With Quote
Reply


Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

vB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On


Similar Threads for: Dental Insurance question?
Thread Thread Starter Forum Replies Last Post
i have a question regarding dental insurance & getting help? Crazypain Dental Insurance 0 01-02-2008 02:21 AM
dental insurance question, please help!? kimberly_frye06 Dental Insurance 0 12-05-2007 08:29 PM
Question about dental insurance? jack Dental Insurance 1 12-05-2007 02:25 PM
dental question about insurance? Dan L Dental Insurance 0 09-26-2007 04:29 PM
Dental insurance question? GRAND T Dental Insurance 0 06-13-2007 02:51 AM



All times are GMT. The time now is 12:48 AM.

Powered by vBulletin® Version 3.6.5
Copyright ©2000 - 2008, Jelsoft Enterprises Ltd.
SEO by vBSEO 3.0.0 RC8 ©2007, Crawlability, Inc.