Can someone who knows about dental insurance for someone who is self employed please answer some questions?!
Question: Can someone who knows about dental insurance for someone who is self employed please answer some questions.?
My husband is self employed. We have no insurance. I need a root canal. Is it possible to get insurance real fast and have the insurance pay for it.? Is there a certain type of insurance for self employed people.? Any help or advice will be greatly appreciated. Health Question & Answer
Answers:
If your self employed dental insurance is not worth it. It is good to get if you work for some one who is paying for but not if you have to pay for it yourself. First dont confuse a plan with insurance different things. aplan sounds really good when compared to ins so many people purchase them, but the trouble come when yuou decide to use it. Many times people are unaware that the reason plans dont offer any restrictions limitation , no deductalbes, is because they are not a third party payer, and the patient pays for it all, so they dont carte if you get one exam or a hundered your the one paying, basically a plan is like paying for a coupon book every month.
Insurance is not all that great if you have to pay for it. the reason is the amount they offer per year you can easily save with out having to pay the insurance who will place restrictions like wait periods, deductable, percatange resposible for you, pre existing conditions, etc etc etc.... Medical is a different stor, that you need to have, but dental insurance for most is capped at $1000 to $2000 per year so why pay some one for insurance if you can save that yorself and not have to deal with all the restrictions and limitations, not to mention when you figure out you payments and what they pay, you co pay and deductables you will probably have paide a lot more than the original price with out it.
here is an example If you go to a dentist and need a denture they will charge you $1000.
with an insurance if you qualify then you have to wait a year. Lets say you have delta dental then you pay $100 a month. so after a year you would have paid $1200 you already at a lose here. but there is more the insurace only cover 50%. so you have to pay 50%so they pay 600 and you pay the other 600.
now your down 1800, but wait dont forget the deductable, another 50
so the grand total 1850 for one denture.
My suggestion is to save your money.Health Question & Answer
Insurance is not all that great if you have to pay for it. the reason is the amount they offer per year you can easily save with out having to pay the insurance who will place restrictions like wait periods, deductable, percatange resposible for you, pre existing conditions, etc etc etc.... Medical is a different stor, that you need to have, but dental insurance for most is capped at $1000 to $2000 per year so why pay some one for insurance if you can save that yorself and not have to deal with all the restrictions and limitations, not to mention when you figure out you payments and what they pay, you co pay and deductables you will probably have paide a lot more than the original price with out it.
here is an example If you go to a dentist and need a denture they will charge you $1000.
with an insurance if you qualify then you have to wait a year. Lets say you have delta dental then you pay $100 a month. so after a year you would have paid $1200 you already at a lose here. but there is more the insurace only cover 50%. so you have to pay 50%so they pay 600 and you pay the other 600.
now your down 1800, but wait dont forget the deductable, another 50
so the grand total 1850 for one denture.
My suggestion is to save your money.Health Question & Answer
With dental insurance there is no pre-existing condition, like medical insurance. Delta Dental, or MetLife Dental both offer about the best benefits available today. However, this will take time. If you need a root canal that means that the tooth has been infected and the inner pulp has died. This needs to be taken care of ASAP, or you risk losing not only the tooth, but bone in your jaw as well. You may want to consider Care Credit. They are a company that offers a healthcare credit card. Most dentists take the Care Credit card. It works just like Visa or Mastercard. You go see the dentist, the dentist gets paid in full, and you make small payments to Care Credit. Here's their website: http://carecredit.com - hope this helps.Health Question & Answer
I would strongly encourage you to visit this site: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago now and they have saved me thousands since. From root canals, crowns, xrays, exams...etc. All services are included. I love this very affordable plan. No deductibles and no limits which is perfect for my family. They even had my benefits active in 2 hours and was able to use it the very same day. hope this helpsHealth Question & Answer
Your question is not likely to be answered in one word.find useful tips here http://www.InsuranceFreeTip.info/insuran... though.
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