Any help with dental work for people with no insurance?
Friday, April 24th, 2009 at
11:03 am
faithinhim2911 asked:
I live in Paulding County GA and have no dental insurance and a job that is just barely making the bills. Does anyone know of a free clinic that does dental work? I am desparate!
Tagged with: Insurance • Insurance Job • Paulding County Ga
Filed under: Dental
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aww hun.. look it up in your county.. i have no dental insurance either and trust me its so costly>>you might beable to apply for some help at your county ass office.. try it.
Dental Schools, but you must qualify first. I would visit this site: I signed up online over 5 years ago and they have saved me thousands of $$$ over the years. All dental work is included even cosmetic surgery, dentures and orthodontics. I have no deductibles and no limits. They even had my very affordable plan active in 2 hours and able to use the very same day. Check them out, they could help.
Hmm, I have a dental benefits plan. It only costs me $19.95 a month for my entire house, and the company pays up to 80% of the cost. Thats an option…….
You have four options with dental if you don’t have Medicaid.
1. Visit a local dental school. You can get many procedures done for a reduced price if you’re willing to let them practice on you. You can find one here:
2. Insurance – Depending upon the policy: cost $30-$60 per month. You pay a $50 deductible first, they have an annual maximum that they’ll pay per year of $750 – $1500, they have a waiting period up to 18 months for major work and then you’re paying 50% of the charges. Example – average cost for a root canal in my area is $919. With insurance you pay $460 after paying 18 months of premium (around $800 or $900). Advantage – you can use any dentist with most plans.
3. Discount plans – Cost – $5-$12 per month. No deductible, no annual maximum and no waiting periods. Also, hardly any dentists will accept the plan and when they do you MIGHT get a 10% discount, which is about the same discount you can get by paying cash. Example – average cost for a root canal in my area is $919. With discount plans you pay around $827. Be very wary of these plans because most are scams. The people that sell these plans have little or no knowledge about health & dental insurance and do not need a license to sell them. The plans are not regulated by the state so you have no recourse when you have problems. Some states are starting to ban these plans from being sold. Here is an informative link concerning these plans.
4. Fee for Service discount plans – Cost $7-$15 per month. No deductible, no annual maximum and no waiting periods. Many dentist will accept the plan (check providers first before signing up with any plan). When you use the plan there is a set fee that the dentist will charge you. Example – average cost for a root canal in my area is $919. With fee for service plans you pay as little as $404.
I’m an insurance agent and my personal plan is the fee for service plan. I got mine here specifically the Aetna Dental Access plan but which one you get depends upon your area and comparing the fee schedule to find the best for what you need covered.