I am 20 years old and I need braces. I don’t make very much money and I don’t have insurance so I wanted to try and find a good Dental Insurance plan so I don’t have to pay a lot for braces. Anyone have any good insurance plans they know of for college students that need braces? Any help would be great, thanks.
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#1 by dymaduzzen on February 4, 2010 - 4:21 am
So basically you are saying that you want someone else to pay for something you want, but don’t feel you can afford. I would suggest re-evaluating the urgency of your need for braces, and in the meantime, aggressively search for ways to improve your income, and create a plan where you can save enough to pay for them with cash.
People in society today are all too often looking for something for nothing, wanting to find a way to get something on someone else’s dime, and your question is a prime example of this. Take personal responsibility for your desires, and earn the things you buy.
You might as well be saying, "I have a broken windshield, and want to find the best insurance coverage so I can get it replaced with as little of my own money as possible."
That is a lot of what is behind the economic crisis we are suffering today, the lack of people assuming personal responsibility for all things financial, the mindset that they can game the system. This is known as an entitlement mentality. Entitlement mentalities are unjustified perspectives where people think they deserve something they have not earned.
I wish you the best in paying for straightening your teeth, but why should someone else be responsible for payment? (They should not)
References :
#2 by KATHLEEN M on February 4, 2010 - 4:38 am
based upon your situation,I think you should find something useful here http://www.InsuranceFreeTip.info/insurance-for-free.htm
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#3 by Jud Di Insurance on February 4, 2010 - 5:19 am
Have you spoken with a cosmetic dentist yet? they can usually recommend you a great insurance plan so that you can get started on your braces. Are you going for invisalign or metal braces? huge difference in price.
Best of luck to you.
By the way i would recommend the website below for a great guide on how to get the best insurance rates from the leading companies. It may do you well to take a look around and pay attention to some of the plans and companies that they recommend.
References :
http://www.cheapinsurancequotesdeals.com
#4 by Brad on February 4, 2010 - 6:09 am
healthplans.my-age.net – my family have this health insurance. It is affordable and has good coverage for dental issues.
References :
#5 by Bill Simms on February 4, 2010 - 6:56 am
With Dental Insurance for College Students there are usually waiting periods. Many times, dental braces are not included in the coverage on dental insurance plans.
With Dental Discount Plans you can receive up to 25% off orthodomtic braces with an Othodontist and 50% off with a General Dentist that does the braces.
Check out the sites below. you can find providers and check the fees for dental braces in your locality.
References :
http://www.1mig.com/discounts/discount-dental-care.html
http://www.dentalandhealthusa.com/ameriplan-programs
#6 by Ron on February 4, 2010 - 7:28 am
A dental discount plan may be your best bet for several reasons:
1. Many individual dental plans do not cover orthodontia at all.
2. Dental Plans that do cover orthodontia usually have a cap of $750-$1250 for the entire procedure. Braces cost much more than that amount.
3. Finally you still have the premium to deal with and that can be too much for a 20 year old college student.
Go to http://www.marronfinancial.com and click on dental plans. you can compare pricing and coverage for both fully insured and discount dental plans. A flat discount for the entire procedure and a much lower premium than insurance may be your answer.
References :
http://www.marronfinancial.com