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Dental Insurance and Financing Dental Care

This category is for questions about Dental Insurance and other financial questions related to dental work.

Asked in Dental Insurance and Financing Dental Care, Fillings Crowns and Dentures

Does any dental insurance cover implants?

More frequently than not, dental insurance per se is not an indemnity policy; in that sense it differs from a major medical policy in the way that it functions. Instead, it pays a fixed sum for stated services by a dentist who participates in its plan. However, in situations where, for example, reconstructive surgery is medically necessary due to an occurrence, and implants are a part of the reconstruction, a major medical policy may pay for the implants. Naturally, any payment would be...
Asked in Oral Health and Dental Care, Dental Insurance and Financing Dental Care, Medical Insurance

Where can you get braces that wellcare covers?

It depends on what area you are in. Call wellcare and give them your zip code they will give you a few names and numbers in your area. You may have to travel to destinations that are far. If you are in the area of Georgia : Medical College of Georgia offer it but you have to be on a waiting list. ...
Asked in Oral Health and Dental Care, Insurance, Dental Insurance and Financing Dental Care

Where can you get individual PPO dental insurance plan?

== == To find companies in your state that provide dental insurance or dental discount plans, go to the National Association of Dental Plans site (www.nadp.org) which has a directory of companies that offer dental insurance. The directory can be searched by state and you can select "individual" and get the list of just those companies that provide individual dental insurance in your state. The listing also tells you if the company provides dental HMO, dental PPO, dental indemnity (traditional insurance without a...
Asked in Law & Legal Issues, Oral Health and Dental Care, Dental Insurance and Financing Dental Care, Ethics and Morality

When there is a conflict between ethics and law what should you do with your patient?

That is a matter for your own conscience to decide. Unfortunately there MANY decisions in life that involve this condundrum. No one can counsel you on your own beliefs, morals, or personal code of ethics. ...
Asked in Oral Health and Dental Care, Insurance, Dental Insurance and Financing Dental Care

Are there individual dental insurance plans that do not use networks?

To find companies in your state that provide dental insurance or dental discount plans, go to the National Association of Dental Plans site (www.nadp.org) which has a directory of companies that offer dental insurance. The directory can be searched by state and you can select "individual" and get the list of just those companies that provide individual dental insurance in your state. The listing also tells you if the company provides dental HMO, dental PPO, dental indemnity (traditional insurance without a network) or...
Asked in Oral Health and Dental Care, Insurance, Dental Insurance and Financing Dental Care

What dental plan will cover Alaska?

I think I remember Qualified Health (another discount card) having one provider in Anchorage, AK. But QH is much more expensive than Ameriplan (AP) (e.g., QH $4 a day for a family, compared with AP $19.95 a month per HOUSEHOLD-which is awesome with the huge variety of 'living' arrangements nowadays). Advantage Dental Aetna Dental AIG American General Insurance American Dental Professional Services Ameritas Life Insurance Corp. Assurant Employee Benefits CIGNA Dental & Vision Care Citizens Security Life Insurance Company Delta Dental of CA, NY, PA & Affiliates DentalPlans.com DentaQuest Dominion...
Asked in Oral Health and Dental Care, Insurance, Dental Insurance and Financing Dental Care, Senior Citizens

Where can you get dental insurance for an elderly person?

I just signed my father up for the dental plan through AARP. It's ~ $550 a year for insurance coverage but it's a good plan. www.aarp.com AARP is good. Also, many of the companies that offer Medicare Supplements also offer Senior Dental Plans. Here in California Blue Cross has a good plan. To find companies in your state that provide dental insurance or dental discount plans, go to the National Association of Dental Plans site (www.nadp.org) which has a directory of companies...
Asked in Oral Health and Dental Care, Insurance, Dental Insurance and Financing Dental Care

Why does dental insurance not cover antibiotics?

I have medical and dental insurance, but I do not have rx insurance. If you don't have rx insurance you have to pay for all your medicines. I haven't seen where dental insurance pays for medicines. Usually only rx insurance will ...
Asked in Dental Insurance and Financing Dental Care

Are there any complaints on Physicians Mutual Dental Insurance?

The coverage that is provided by them is not worth the cost and the aggravation in the long run. It takes them forever to pay a claim and when they do pay it such a meager amount that if a person saved their money that is paid for their so called coverage the cost would be the same or maybe less depending on the dental work done. Another fault with their "coverage" is that if you have anything done while paying the...
Asked in Oral Health and Dental Care, Insurance, Dental Insurance and Financing Dental Care

What can you do if you have dental insurance but still can't afford braces for your child?

For families of the United States, there is a dental plan specially for you. The plan is flexible and provides a wide coverage area than other plans, since it is designed to meet your needs. My braces cost me only $2000 rather than the national average of over $4000 because of the information on the blog. There are Thousands of dentists and doctors that are providers under this great plan, and they are closer to you in terms of location. Affordable without...
Asked in Dental Insurance and Financing Dental Care, Miami, Dentists

Are there cheap places in Houston to get dental work done?

The state of Texas has great dental coverage for the people who live in Houston. Dental Coverage is very important to have because you never know when you will have a dental emergency. Make sure you are covered get dental coverage that is right for you. Affordable coverage is the key. One of the oldest charity clinics in the United States, San José Clinic has provided healthcare to the uninsured since 1922. It is the only full-time clinic in the Greater Houston...
Asked in Oral Health and Dental Care, Dental Insurance and Financing Dental Care, Dentists

Who's responsible if the dentist neglected to file the claim?

Sorry if this is not what you want to hear, but you, as the patient, are still responsible for the charges. Most (but not all) insurance company will process the claim if it is made within one year of services. Get a copy of the charges from the dentist, and make sure they include the current ADA codes. Call your insurance company and ask about the claim. It is YOU the insurance has to to, since you are the covered party....
Asked in Oral Health and Dental Care, Insurance, Dental Insurance and Financing Dental Care, Dentists

Can you combine dental insurance and dental plans?

You may be able to. Your dentist must take both your dental insurance and your dental discount plan. Here is an article on it... ...
Asked in Conditions and Diseases, Dental Insurance and Financing Dental Care, Root Canals

What is the treatment for infected molar?

Root canal therapy or extraction. Infected teeth can never get better on their own. ...
Asked in Dental Insurance and Financing Dental Care, Medicare and Medicaid, Unemployment Benefits

Where can you find dental care if you are unemployed and do not qualify for Medicaid?

Contact your state's health department There are various assistance programs that vary from state to state, so you may want to contact your state dental society to see if there are programs in your area. Another possible source of lower-cost dental care is a dental school clinic. Generally, dental costs in school clinics are reduced and may include only partial payment for professional services covering the cost of materials and equipment. Your state dental society can tell you if there is a dental school...
Asked in Oral Health and Dental Care, Insurance, Dental Insurance and Financing Dental Care

Where can you get dental insurance quotes?

You can find information at: FIND A DENTAL PLAN Directory Onlne - a list of NADP members that provide dental benefits plans in your state, for information on coverage, links to their websites and phone numbers. The National Association of Insurance Commissioners (NAIC) (insureuonline.org) is the organization of insurance regulators from the 50 states, the District of Columbia and U.S. territories Insurance Resources at The American Dental Association (ada.org) - many state dental associations sponsor or endorse programs for their members. Web based insurance...
Asked in Oral Health and Dental Care, Dental Insurance and Financing Dental Care, Fillings Crowns and Dentures

Does dental insurance cover a complete set of dentures?

It depends on the insurance. Your dentists office can call and check on it for you. Or when you sign up for it ask if it does. Most common insurance coverage for dentures is at least 50%. I believe that it should although all may not but i know a plan that would cover all preexisting conditions as well as dentures. ...
Asked in Oral Health and Dental Care, Dental Insurance and Financing Dental Care, Surgery and Hospitalization

Can a dental office charge you for a missed appointment?

I am a practicing dentist in Missouri. I strongly feel that due to the many missed appointments that my office has, I must charge a fee for missed and no show appointments. We treat adult patients, and we explain the importance of keeping appointments to them. In answer to ones conclusion that dentists should suck it up and count it a business expense, let me say that we annually raise fees due to all the business overhead expenses looked at as a whole. I...
Asked in Dental Insurance and Financing Dental Care, Dog Breeds, Migraine Headaches, Labrador Retrievers

Can a whiplash injury cause teeth to die?

I can answer this question. The answer is yes. Whiplash can cause your to clentch down on your teeth causing an impact. This impact can be uniformed and thus the damage teeth caused by the concussion injury may not be symptomatic for years (usually within two years). The injury causes an inflammation (chronic) response and will slowly destroy the vascular bed of the pulp and then the injure tooth or teeth dies. I have seen damage of this type extend to many...
Asked in Insurance, Dental Insurance and Financing Dental Care

Where can you get insurance that covers invisalign?

You'll probably have to call the claims department of each company or check with your dentist. ...
Asked in Oral Health and Dental Care, Dental Insurance and Financing Dental Care

Does a dental patient need to be informed of the upfront and out-of-pocket costs?

In theory, yes. Most offices can give you an "estimate" of expense, but to know exactly what your insurance plan will pay is difficult. The problem is each insurance plan is different for almost every patient. We can submit a pre-estimate form for the insurance company, but it takes almost 4 weeks for a response. The best course of action: Ask the provider for the fee and dental code# for the procedure- call your insurance company yourself. Remember: They may say they'll...
Asked in Oral Health and Dental Care, Insurance, Dental Insurance and Financing Dental Care, Medical Insurance

Does AARP insurance cover medical vision and dental?

The medical expenses are extraordinarily high in India and a comprehensive insurance policy is the best way to tackle the problem of rising price. As a result of the assorted means of advertising, you're currently quite aware of the numerous health insurers in operation in India. For Compare Health Insurance : ...
Asked in Oral Health and Dental Care, Insurance, Dental Insurance and Financing Dental Care

If you have dental insurance through your family and at work can you combine them somehow to not exceed your limit on either?

You may still excede your limit, but you shouldn't have to pay out of pocket. The insurane that is in your name is billed first. Then anything that they don't pay, the other insurance will pay. If one of them runs out on the limit, the other one will pay what they would normally pay and you will be left with what is not covered. But there is now way to combine the two yearly limits to make a bigger limit. ...
Asked in Oral Health and Dental Care, Insurance, Dental Insurance and Financing Dental Care, Dentists, Contract Law

What do you do if a dentist charges you an 'insurance filing fee' but your dental insurance contract says they can't?

Show the dentist in your contract where it says they can't. If it solves it, great. If not, you need to call and talk to your insurance and see what they say for you to do. You may need to find another dentist if it becomes too much of a hassle or talk to a lawyer. Whichever you choose. Dont pay your dentist, tell him or her to take it up with the insurance companie. Bring your contract in to your...