I need help picking the best dental insurance or discount card?
I’m a college student and I have no insurance but I need to go to the dentist and I was wondering if anybody knew of good insurance or which discount cards are good. I don’t really know how much it would cost without insurance either.
Tagged with: Dentist • discount cards • insurance
Filed under: Discount Dental
When you don’t have money to get the care you need:
http://www.nlm.nih.gov/medlineplus/financialassistance.html
http://ask.hrsa.gov/pc/
http://www.omhrc.gov/templates/browse.aspx?lvl=2&lvlID=18
http://www.hrsa.gov/help/default.htm
http://www.thefrugallife.com/medicalalternative.html
http://www.google.com/search?q=Free+Low+Cost+Medical+Health+Services+&hl=en&client=firefox-a&rls=org.mozilla:en-US:official&start=10&sa=N
Free and low cost prescription medication:
http://www.nami.org/Template.cfm?section=about_medications&Template=/ContentManagement/contentDisplay.cfm&ContentID=19169
http://www.themedicineprogram.com/links.html
This is about FREE hospitalization, if you need it and they WILL help you!
http://www.hrsa.gov/hillburton/default.htm
Hill Burton Hotline
1-800-638-0742
(1-800-492-0359 in Maryland)
In 1946, Congress passed a law that gave hospitals, nursing homes and other health facilities grants and loans for construction and modernization. In return, they agreed to provide a reasonable volume of services to persons unable to pay and to make their services available to all persons residing in the facility’s area. The program stopped providing funds in 1997, but about 300 health care facilities nationwide are still obligated to provide free or reduced-cost care.
http://www.hrsa.gov/help/default.htm
How to apply for Medicaid or medicare
http://www.cms.hhs.gov/MedicaidEligibility/
http://www.aarp.org/money/lowincomehelp/applying_for_medicaid.html
For information about Social Security, Medicare, and disability benefits, call the Social Security Administration at 800-772-1213.
http://www.ssa.gov/
For information about Medicaid, contact your local social service or welfare office. You can also find information about Medicare and Medicaid at http://www.CMS.gov
How To Pay for Mental Health Services
http://mentalhealth.samhsa.gov/publications/allpubs/KEN98-0050/default.asp
http://depression.about.com/cs/findadoc/a/freelowcosttx.htm
Additional Public Benefits for Families Raising Children: http://www.nlm.nih.gov/medlineplus/financialassistance.html
DENTAL HELP:
Free or low cost dental care United States
http://www.nidcr.nih.gov/NR/rdonlyres/53F91091-23DB-47F3-8782-6572C33F9D42/0/LowCostFactsheet.pdf
http://www.raconline.org/info_guides/dental/dentalfaq.php
FREE AND LOW COST DENTAL HELP FOR DENTURES , BROKEN TEETH , PAIN , ETC.
http://dental-assistance.app-sl-1.aidpage.com/dental-assistance/
Need eyeglasses or eye care?
http://www.nei.nih.gov/health/financialaid.asp
http://www.uniteforsight.org/freeclinics.php
How to Get a Free or Low Cost Pap Smear, The National Breast and Cervical Cancer Early Detection Program provides free or low cost Pap smears to eligible women across the country. Through this program, uninsured and impoverished women can receive Pap smears at local clinics and doctor’s offices.
Here’s a list for every state:
http://cancer.about.com/od/screeninganddiagnosis/a/freepapsmear.htm
Where can I go to get free or reduced-cost prenatal care?
You can call this number if you need free birth control help, too!
Women in every state can get help to pay for medical care during their pregnancies. This prenatal care can help you have a healthy baby. Every state in the United States has a program to help. Programs give medical care, information, advice and other services important for a healthy pregnancy.
To find out about the program in your state:
·Call 1-800-311-BABY (1-800-311-2229) This toll-free telephone number will connect you to the Health Department in your area code
·For information in Spanish, call 1-800-504-7081
·Call or contact your local Health Department.
Look for a dental college in your area. Most of them perform services at very cheep.
Also, contact your local medicaid office to get a list of dentists that take medicaid. Those tend to be much cheeper.
The best bang for your buck is AmeriPlan
Their dental package is $11.95 a month.
You can apply for benefits online at
http://www.qualitymedicalcare.org
Just click on Join Now!
If you have any questions then don’t hesitate to call me at :
800-690-8101
Definately Ameriplan. Take a look
There are alot of factors when determining what insurance is best for you.
As the saying goes, you get what you pay for. The higher the premium (the amount you pay the insurance company), the higher the benefits, usually.
The dental insurance industry, like the health insurance industry needs a revamping. People are fooled into signing up for insurance plans, only to find that their copays/deductibles are outrageous, or that many of the procedures they need are not covered. I often correct our patients when they say " we get 2 free cleanings a year". They are not free! YOU are paying for them. Most insurance companies pay out a maximum of @ $1000 per year. So if you need alot of dental work, anything over and above that $1000 is coming out of your pocket, in addition to the premium of a few hundred dollars you pay to the insurance company and any deductible and copays you take care of in the office.
Most individual plans stink. They sell you a cheap policy where you end up paying quite a bit as copays. The only real worthwhile plans are offered to employees of big companies.
You really need to evaulate your needs. If you have a relatively healthy mouth and only require 2 cleanings a year and maybe one cavity, that might run you a total of about $400 (where I am anyway) a year. Most pay more than that in premiums a year. So at the very least, you break even, if not save money.