What countries have national Dental Insurance? I currently live in Canada, we have free health insurance, but not dental. I am a 21 year old finishing college and going to university next year, after that I’d live to establish myself in a country with benefits of free health, dental, and vision care.

Does anyone recommend any countries?

The UK, however, if you live in England and are over 16 and working you have to pay for dental treatment, prescriptions and any services or products from an opticians, so healthcare is not completely free. If you live in Scotland it is free and University is free there as well (but not for international students). What you also have to bare in mind is the reason why healthcare is free, the UK has very high tax and VAT, you should take that into account before you move anywhere.

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I need to sign up with a good medical and dental insurance since my job does not offer any benefits. I was wondering if i can just sign onto a medical and Dental Insurance on an independent basis. If so, please recommend a good medical and a good dental carrier. I live in Arizona if that makes a difference. Thx in advance. PS> I wonder if there is a plan that offers both medical and dental all in one out there some where.

Google insurance companies in your area, and talk to an agent. They’ll be able to set you up with a plan that matches your needs and your finances. There are so many different plans out there for all kinds of situations, so it would be hard for us to come up with something that works for you, without knowing your health history, etc.

There are several basic types of dental insurance plans offering a range of cover from the most basic dental care plans to complete all encompassing dental insurance plans.

Basic dental care plans aren’t effectively an insurance but rather a ‘club’ that enables you to obtain discounted dental care from participating dentists. The level of discount is largely dependant on the monthly fee you pay but unlike dental insurance there is no limit to the amount of discounted treatment you can receive. One thing to check with dental care plans is the amount of local dental coverage (if any!). You can join a dental care plan for just a few dollars a month.

Indemnity Insurance Plans are a type of dental insurance whereby you pay the insurance company a fixed monthly fee who, in turn, will reimburse your dentist for services rendered. However, the dental insurance company doesn’t normally cover the whole cost with the policy holder be liable for 20 – 50% of the total cost. If you take out an indemnity plan you need to check the level of deductibles and the maximum amount the insurance policy will pay out in any given year. Also find out the length of any probationary period during which the dental insurance company won’t pay out and whether you are able to use your own dentist. Expect to pay around $14 to $26 per month.

One of the increasingly popular dental insurances is the direct reimbursement plans which are self funded by employer’s rather them paying dental insurance premiums. As a general rule the person receiving the dental care will pay the fee in full and reclaim all or part of the cost (depending on what level of cover their particular employer provides) from their employer. Annual benefits of this dental insurance option are usually capped with the capped level varying quite significantly from one employer to another

Capitation dental insurance plans (HMO’s) are when the dentist is paid an annual fee per patient rather than on a treatment basis. However, the dental insurance policy holder may be required to contribute towards the cost of any treatment. The cost of HMO insurance plans are generally targeted at preventative and emergency care and can vary from patient to patient following an initial examination.

Preferred provider organisations (PPO) offer an insurance plan that allows you to visit dentists from a preferred supplier list at a heavily discounted rate. If you choose to use a dentist that is not covered by the Dental Plan you will still receive some element of discount but nowhere near as much as you will receive from a ‘preferred’ dentist. As with most dental insurance plans an annual cap will apply. Expect to pay up to about $25 per month.

UCR (Usual, Customary & Reasonable) indemnity dental insurance plans have a database which contains average prices for each dental procedure you might undergo. When you submit your bill for payment the dental insurance provider will check the cost of your treatment against the average. If you paid more than the average you will have to incur the additional cost with the insurance company only paying the insured percentage of the fee shown in their database. If the cost of your treatment is lower than average you will receive the agreed percentage of the amount you paid. There is no control over how dental insurance companies calculate the UCR cost and the insurance company always pockets the benefit of lower fees.

Terry Ross
http://www.articlesbase.com/advice-articles/types-of-dental-insurance-56731.html

I am an international student and I just found out my international student insurance does not cover dental expenditures. Can you suggest some good Dental Insurance companies that I can check on-line and see what they offer? I need a good insurance for cavities and cleaning treatments, and I am 27.

healthplans.my-age.net – my family have this health insurance. It is affordable and has good coverage for dental issues.

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I am a student and a veteran. I need my wisdom teeth out and the VA does not cover dental after the initial post service exam. Looking at dental insurance online and would appreciate any intel. Thanks.

Most Dental Insurance will take around 6 months to even be active after a series of monthly payments. If its just your wisdom teeth, then I would encourage you to visit this great site: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago and they have saved me thousands of dollars on all services. From my braces and wisdom teeth extractions. I was quoted $2200, but ended up only paying $1000. They even had my extremely affordable plan active in 2 hours and was able to use them the very same day since mine was an emergency. Hope this helps.

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I need a dental insurance that pays 50 to 75 of all dental care including oral surgen. My boyfriend needs a lot of work done on his teeth. He is scared of death of the denist, he has to be put to sleep and he has to have all the work done at one time. Can anyone help me please.

Ameriplan has a great Dental Plan and it also includes vision, prescription and chiropractic for as low as 11.95 a month. Go to this site to find out more

http://www.mybenefitsplus.com/mlein