Does anyone know where I can find individual dental insurance? Not the Dental discount but Insurance.?
I live in Ohio, so obviously it needs to cover us here, I’ve searched google and there are so many and most are regular health, we have that, we need really good dental with low copays. Primarily one that has pediatric dentists. Thanks for the help!
we have dental already through my husband’s work but it only works in pittsburgh PA he works for a very small company and the closest dentist is 40 minutes away plus we need a pediatric one for our son w/autism and our plan doesn’t have any. Regular dentist won’t take him as a patient even though he’s just moderately autistic.
Tagged with: autism • Dentist • google • health • pediatric dentists • pittsburgh pa
Filed under: Dental Discount
Think about this. Dental insurance really is not "insurance" in the same way that life insurance or even other kinds of health insurance is an " insurance".
1. Insurance companies are smart.
2. They will not lose money on you.
Dental "insurance" is prepaid dental ( managed) care. The company has to take your money, pay themselves a salary, pay a profit to their investors and then with what is left, they will help you pay for some of your dental care.
If you have a large group of individuals such as a large company, the insurance company can give you more benefits because their costs are spread over more clients and some of the clients will not need as much care as some of the others and then the ones that have a higher need can get more benefits than they have individually paid in. That is because of the group. The group will still pay in more than they get as a benefit but an individual can get more if he needs it.
If you go out on your own, you will have a very, very tough time getting a "good deal" for you because insurance companies know that an individual can time his dental care for some of the more expensive procedures. They know and anticipate that a lone person will sign up for insurance, get a lot of crowns bridges, dentures etc done then drop the insurance so that they do not have to pay premiums after they are brought up to health.
So the best answer is to get a job that has good benefits in health care as part of a system. State jobs are normally excellent for dental care. The feds are good for general health care but their dental is thought to be less than ideal by many people. Look it up and decide for yourself.
Yes, call a life insurance agent that handles health insurance.
Have you tried delta dental? search it on google and you’ll find it. I have used them and they are pretty good. You can read more about various dental insurance plans at their website.
You will not generally find good dental insurance for individuals. The thing is, insurance companies are in BUSINESS and they want to make a PROFIT. They know exactly how much any given group is going to spend for their dental needs, so they construct a fee schedule for that group and decide how much premium that they will need to charge to pay out those fees for that group and still make money. Dental insurance can be a big loser for the insurance companies, because EVERYONE has dental problems. Not everyone has a heart attack.
Dental plan coverage for individuals is not commonly offered because dental needs are highly predictable. For example, you would not pay premiums for your dental coverage if the premiums were more expensive than the cost of the dental treatment you need. Since this is the case, insurance companies would stand to lose money (spend more on benefits than they receive in premiums) on every individualdental plan they write.
There are, however, a few companies that offer a form of dental benefits for individuals. Most of these plans are "referral plans" or "buyers’ clubs." Under these types of plans, an individual pays a monthly fee to a third party in return for access to a list of dentists who have agreed to a reduced fee schedule. Payment for treatment is made from the patient directly to the dentist. The third party acts only in the capacity of matching the individual to the dentist. The dentist receives no payment from the third party other than in the form of referral of patients.
Average Cost Of Dental Care In
All US Cities- Average Values
(Service; Average Fee; Highest Fee)
Preventative Care:
Single x-ray $13.00; $20.00
Bitewing x-rays (4 films) $43.00; $67.00
Complete Series of x-rays $94.00; $135.00
Panarex $91.00; $131.00
Adult cleaning and exam $65.00; $102.00
Child cleaning and exam $46.00; $76.00
Child’s topical fluoride treatment $39.00; $52.00
Sealant per tooth $33.00; $52.00
Oral Surgery:
Initial Surgical Consultation $65.00; $131.00
Simple Extraction (single tooth) $98.00; $176.00
Simple Extraction (each add. tooth) $102.00; $161.00
Surgical Extraction $190.00; $268.00
Soft Tissue Impaction $229.00; $320.00
Partial Bony Impaction $324.00; $435.00
Full Bony Impaction $474.00; $599.00
Complicated Impaction $775.00; $1344.00
Panarex $82.00; $141.00
General Anesthesia (per unit)$154.00; $239.00
Surgical Implant Placement $1868.00; $3964.00
Abutment Implant Placement $991.00; $2112.00
These site also have a LOT of helpful information:
http://www.san-diego-dentist.us
http://san-diego-dentists.blogspot.com
http://www.san-diego-dentist.us/san-diego-dentist-tijuana-dentist.html
http://www.san-diego-dentist.us/tijuana-dentist.htm
http://www.san-diego-dentist.us/san-diego-dental-implants.html
http://www.medical-research-study-directory.info/san-diego-medical-research-study.htm
http://www.lasik-surgery-san-diego.info/lasik-eye-surgery-san-diego.htm
http://www.las-vegas-nevada-lawyer-attorney-legal-injury-defense-directory.com
http://www.acne-treatment-medicine-1.info