I am a college student, and currently covered under my parents’ Dental Plan. I need to get all of my wisdom teeth extracted, and I found out that I possibly also need 3 root canals. My insurance only covers $1500 per year. I don’t want to put off this work, but I don’t think I can afford this. Would getting my own individual dental insurance plan help? What plans are good, and what is a decent price/yr for an individual plan?
You said you don’t want to put off the dental work. Most individual plans will either have a waiting period of 12 months before you can get full benefits and then only pay at 50%, or will cover a smaller percentage until you’ve had the plan for 24 months (for example 10% the first year, 20% the second, and 40% the third). Premiums will run $30 – $50 depending upon your location. You may want to check out dental schools where you can get good service at a reasonable cost. You can find the nearest school here: http://www.yourhealthplanadvisor.com/Dentalschools.html
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You can also try Care Credit. You’ll borrow the money but can pay it back interest free if you pay within the timeframe.
#1 by Smiling on May 16, 2010 - 6:27 pm
Dental insurance never covers itself, as you are finding. Remember it’s usually 50% up to $1500 so if the procedure costs $3000 they will pay $1500.
You are going to have to find a way to pay for it yourself (payment plan, credit card, student health center, etc).
References :
#2 by Zarnev on May 16, 2010 - 6:53 pm
You said you don’t want to put off the dental work. Most individual plans will either have a waiting period of 12 months before you can get full benefits and then only pay at 50%, or will cover a smaller percentage until you’ve had the plan for 24 months (for example 10% the first year, 20% the second, and 40% the third). Premiums will run $30 – $50 depending upon your location. You may want to check out dental schools where you can get good service at a reasonable cost. You can find the nearest school here: http://www.yourhealthplanadvisor.com/Dentalschools.html
You can also try Care Credit. You’ll borrow the money but can pay it back interest free if you pay within the timeframe.
References :
Independent Agent
#3 by Insurance Pickle.com on May 16, 2010 - 7:20 pm
Yes, it would help, and if you buy a plan now in 18 months you could get it to pay for major care. SO, you’d have to put it off anyway. NO dental plan is going to allow you to buy it and cover major services right away. If they did then they’d cost about $300 per month.
Depending on how impacted your wisdom teeth are you might actually have some of it covered under your health insurance. That being said you might want to get that done first to see what’s left of coverage for the year.
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#4 by Caveat Emptor on May 16, 2010 - 7:30 pm
That won’t work. First, all dental insurances will exclude such "major procedures" for at least the first 12 months to prevent people from doing just what you want to do: buy a policy, have lots of expensive work done and then drop it. Second, if you do have two coverages, one becomes primary payer and the other secondary payer – the coverages are not just arithmetically added together.
You’ll be better off financing the out-of-pocket costs from the Bank of Mom and Dad.
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