Sunday, April 5, 2020

Dental Insurance--Is it really necessary?  

Dental Insurance--Is it really necessary?  

answers 0:So, I'm looking into getting private health insurance because I will be leaving my employment soon. I'm looking at dental insurance. The plans I'm finding range from $8 a month with an unlimited coverage amount to $80 a month for a $1000 annual limit. The $8 a month is attractive except for the fact that there are only 3 dentists in the plan near me and they are all about an away from where I live. I've found a local dentist I absolutely love, but he is not on that plan. I cannot see spending $60-80 a month only to get denied coverage over $1000 a year!!!I have pretty healthy teeth and gums and go in twice a year for a cleaning. I've checked with my dentist and I think that will cost me about $300 annually. It seems like that is the way to go, but I wanted to see if anyone could give me a r! eason why I really need dental coverage???Thank you....Show moreanswers 1:Try Listerine (Yellow or Blue kind). It kills off a lot of the germs that cause Gingivitis as it's an antiseptic mouthwash... it doesnt taste nearly as nice as Scope or Crest mouthwash, but it will usually help!answers 2:If I get braces on my teeth now, im afraid i will have to wear my braces for 2 years and that will be around my wedding day. Can the orthodontist take off my braces just for my wedding day and the day after?answers 3:No, they will not do that.answers 4:After you leave your job, you can always use COBRA for 18 months until you either find a new job or get new insurance. If you're not familiar with it, you keep your same insurance but pay the premiums yourself.Most dental insurance companies have a $1000-$2500 a year plan maximum, but that doesn't mean you can only have that amount of work done. It means they will pay that much towards your dental treatment annually. Checkups are usu! ally covered in full, with fillings, crowns, etc.. covered at ! a 'usual and customary' rate, usually anywhere from 60%-80%, leaving you with the difference.Stick with your local dentist since you're comfy with him and his staff. You could always assign benefits over to him on the dental claim form, then you'd just be responsible for the outstanding balance.Good Luck!...answers 5:If you really wanted to...I suppose your ortho could...but then it would be a hassle to put them back on again and re tighten the wire.answers 6:Yes, it's possible. It depends on your orthodontist. Some orthodontists will take them off for the day but it's VERY expensive!answers 7:Okay so i just got my silver fillings done today at 10 and they were on my back molarsso what does it mean when i have little bits of it fall off into my mouth?They are not big, just small. But is this bad? Also she i worry? i heard its normal but im not sure.Help please thank you!:)answers 8:If you don't have a big problem with decay, and you're notplanning on braces or anything m! ajor like that in the future,you will come out ahead with just paying for yourcleanings yourself, unless you have kids. They really runup dental bills! Even if you need an occasional filling,like one a year, you will still save money paying for itout of pocket. Most dental plans have a deductible anyway,so your first cleaning would go to most of that, then yourinsurance would probably pay 100% of the 2nd cleaning, so you're right to pay as you go. Plus you can go to who you want....answers 9:You can totally do that. You are right. It is up to you, but they will do what ever you ask them too 🙂 It is your wedding day and everything should be perfect including your teeth 🙂 Congratulations hun!answers 10:it get little bits of fillings in my mouth everytime... it could just be little bits of filling that they didnt suck up with that sucking thing that sucks up bits of your tooth while drilling and stuffanswers 11:I meant to say they are all one hour away from me.answer! s 12:That's normal, the rough spots will all be worn off in no time.ans! wers 13:BUT its my teeth and I have every right to make them take it off, right?!answers 14:Colgate or Crest both have good toothpaste that can help with that. Try Listerine...that's a strong mouthwash but good for Gingivitis. Floss every day. Your gums should start feeling better. I don't know about rinsing with hydrogen peroxide but Listerine is good and also, ACT is really good for preventing cavities.

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