what is the best health insurance in new york for going to see the dentist ?!
Question:
I need a thooth implant and i have heathplus for my insurance but tey said they wont pay for the implant and i dont have the money so i was wondering if theres a better in health plan?
Answers:
Some Dental plans, PPO plans, are really good. Delta Dental, Met Life, Guardian. When we first started out in business we signed up with quite a few. Over the years we have not had to sign up with any new ones. The low quality plans have dissappeared. We are still members of others that we just hold on to because we like particular patients. Other wise we don't accept new pateiens from the lower paying plans. In general you get what you pay for. PPO plans seem to work because Dentist are compensated for each service at some predentermined rate. Dentist can give you your options expensive and cheap, pretty or less pretty, and he gets paid for the exam. Everybody is happy. If you decide to go with the less expensive treatment that's your decision. Less expensive options require less time and material and the dentist gets paid. More expensive options require more hand skills and integrity and the dentist charges accordingly.
Stay away from HMOs and discount cards. If you buy one of these discount cards the dentist staff has to do all this work to figure out your rate, I refuse to see people who have discount cards because I just can't figure out what part of the tooth I should discount. ha.
HMOs; Don't get an HMO if possible. The way HMOs work is the dentist gets a FAT check every month for say 300 patients on a list. You have to see these patients for basic services for free. (sounds good eh?) But most of the time the dentist gets to thinking, why should I bust my butt and see HMO patients all day when I can put them off for a few weeks and see the Cash and PPO patients. So right off the bat you become a second class patient. Then lets say your plan covers basic fillings for free, but not crowns and white fillings. Suddenly, you are at a car dealership. OH sorry Mr. Shmo you need a crown and that tooth. By the way you need a deep cleaning and those wisdome teeth should come out. Get the picture? HMO's suck because you can't figure out if you really need a service or are getting served.
I wish you luck. Remember cash works well too. you'll get a bigger discount than those discount cards.
Other Answers:
Currently, Ameri Plan is offering quality dental, vision, prescription and chiropractic care for three months for just $23 - that's a $20 registration fee and $1 a month! There's also an affordable health plan. Contact me - wlakin@ameriplan.net
Source(s):
www.mybenefitsplus.com/4037811.
Answers: