I am doing this career project for school and I cant seem to find this information anywhere... if anyone knows where to find it, or the answer please tell.
Do interior designers get health care, dental, vision, and prescipition benefits?
If you are an employee in a large architecture/interior design firm (i.e. Hersch-Bedner, HOK, etc), you probably would, just like any other employee--these companies employee hundreds of designers %26amp; architects. If you worked in a smaller design firm, maybe (depending on if the principles provided it). If you are self-employed, than you get that yourself.
Reply:just about all Interior designers would be independent contractors, so they would need to pay for their own insurances, but they can write a lot of the cost off on their taxes
fitness shoes
Monday, November 16, 2009
If you have health and dental insurance through your job but need expensive work done, can you purchase extra?
insurance from a different company to help cover the cost??
If you have health and dental insurance through your job but need expensive work done, can you purchase extra?
Let's think about this for a minute.
You know you need $10,000 worth of work. Your insurance is only going to cover say, $6,000 of the bill.
So you're wondering if you can find an insurance company that if you pay them a premium of say, $150, they'll cover the other $4,000? That's not much of a deal for the insurance company is it?
Do you really think they're going to issue you a policy knowing it's going to cost them $3850?
Reply:Sure.
Reply:There are supplementary policies available, though it's difficult to suggest one without more information. (If you could post your location that would help a lot.)
However, I should point out that most supplemental policies do not cover for pre-existing conditions during the first 6-12 months of coverage. (Or they may provide coverage for pre-existing conditions, but exclude hospital and surgical benefits.)
Think about it: they want to make sure that they aren't getting people who buy the policy a week before they need a $300k surgery and ditching the policy a week after.
Also, the supplemental policies do have limits. Depending on the limitations, they may or may not be worthwhile after you factor in the price of the supplement.
Reply:I imagine you could purchase a seperate policy but it will probably be expensive. Start calling around and explain your situation but my guess unless you have it for a year, it might not cover certain things that would fall under the guidelines of being considered pre-existing.
Good Luck.
Reply:I take it your dental plan has an annual maximum. Your dentist will give you the ins. companies price for the work you have to pay cash for.
There isn't any sense to getting a discount plan when your dentist will give you the discount anyway.
There isn't any doubling up on insurance.
Reply:Yes
Reply:Well you CAN, but it's not going to be cheaper than just paying the extra out of pocket.
Private dental insurance is extremely expensive, and when you 'run the numbers' of coverage vs. cost, it usually costs more than the premiums. Also, for 'expensive work', when you check the coverages, you'll see either a two year waiting period before you can have it done, or no coverage.
Reply:If you need expensive dental work done, you probably won't be accepted for supplemental dental coverage because you have a pre-existing condition.
Reply:I'm sure there are insurance providers who will offer you a supplementary package. But do read the fine print though:
Visit http://www.cheap-credit-cards.org/insura... for the best dental plans
Reply:You need to take a look into a plan with no annual maximum
that starts working immediately after your annual maximum is
reached with the current dental insurance.
Couple of options below.
Reply:yes possible
Reply:sure you can.. I had health and dental with my job, was also covered by my husband's work, then found out I had to have some pretty extensive dental work done... of course .. the only thing that everyone puts a limit on..
We lived in California at the time.. very good, not expensive, standalone coverage... Smilesavers.. My dentist gave the info to me.
So smile savers was primary, then my work coverage, then the remaining balance, if any went to my husband's carrier.
POOF.. $18. out of pocket. smilesavers was $115 for the year to cover me and the kids.
If you have health and dental insurance through your job but need expensive work done, can you purchase extra?
Let's think about this for a minute.
You know you need $10,000 worth of work. Your insurance is only going to cover say, $6,000 of the bill.
So you're wondering if you can find an insurance company that if you pay them a premium of say, $150, they'll cover the other $4,000? That's not much of a deal for the insurance company is it?
Do you really think they're going to issue you a policy knowing it's going to cost them $3850?
Reply:Sure.
Reply:There are supplementary policies available, though it's difficult to suggest one without more information. (If you could post your location that would help a lot.)
However, I should point out that most supplemental policies do not cover for pre-existing conditions during the first 6-12 months of coverage. (Or they may provide coverage for pre-existing conditions, but exclude hospital and surgical benefits.)
Think about it: they want to make sure that they aren't getting people who buy the policy a week before they need a $300k surgery and ditching the policy a week after.
Also, the supplemental policies do have limits. Depending on the limitations, they may or may not be worthwhile after you factor in the price of the supplement.
Reply:I imagine you could purchase a seperate policy but it will probably be expensive. Start calling around and explain your situation but my guess unless you have it for a year, it might not cover certain things that would fall under the guidelines of being considered pre-existing.
Good Luck.
Reply:I take it your dental plan has an annual maximum. Your dentist will give you the ins. companies price for the work you have to pay cash for.
There isn't any sense to getting a discount plan when your dentist will give you the discount anyway.
There isn't any doubling up on insurance.
Reply:Yes
Reply:Well you CAN, but it's not going to be cheaper than just paying the extra out of pocket.
Private dental insurance is extremely expensive, and when you 'run the numbers' of coverage vs. cost, it usually costs more than the premiums. Also, for 'expensive work', when you check the coverages, you'll see either a two year waiting period before you can have it done, or no coverage.
Reply:If you need expensive dental work done, you probably won't be accepted for supplemental dental coverage because you have a pre-existing condition.
Reply:I'm sure there are insurance providers who will offer you a supplementary package. But do read the fine print though:
Visit http://www.cheap-credit-cards.org/insura... for the best dental plans
Reply:You need to take a look into a plan with no annual maximum
that starts working immediately after your annual maximum is
reached with the current dental insurance.
Couple of options below.
Reply:yes possible
Reply:sure you can.. I had health and dental with my job, was also covered by my husband's work, then found out I had to have some pretty extensive dental work done... of course .. the only thing that everyone puts a limit on..
We lived in California at the time.. very good, not expensive, standalone coverage... Smilesavers.. My dentist gave the info to me.
So smile savers was primary, then my work coverage, then the remaining balance, if any went to my husband's carrier.
POOF.. $18. out of pocket. smilesavers was $115 for the year to cover me and the kids.
How much does health and dental insurance cost for a healthy 22 year old male?
If traditional insurance is too much then you could always look into getting a discount medical card. It includes dental, vision, rx, chiro...the whole bag. It will cost you $49.95 a month and it doesn't matter if you smoke or have a pre-existing condition.
Let me know if you have any questions. You can contact me through the Contact Us link on the site and can sign up through the Join Now link.
How much does health and dental insurance cost for a healthy 22 year old male?
It depends on what company you go with, which benefits you want included, are you a smoker, any health problems in you family. check different company's on-line and most of them will probably have a calculator to give you an idea on cost.
Reply:From ...$60 .....To....$300.....It doesn't work this way.
"Just liability, or full coverage? "
Reply:Depends on where you live and the type of plan. Budget $250 a month for health, and $35 a month for dental. If you add up the dental premiums and see what's covered, you'll notice that you'll be better off paying for your dental out of pocket - the benefits don't add up to what the premiums are.
Reply:You need to decide what kind of deductible and co-pay you want to have. The higher the deductible or co-pay, the lower your monthly bill. If your a healthy 22 year old, you might want to get a higher co-pay since you probably won't be at the doctors office much.
Reply:It depends on a number of things:
1. the type of coverage you want (an HMO will be significantly more expensive than a "traditional" plan with a higher deductible)
2. What insurance company you pick
3. Your location (In New York, prices vary by county.)
Expect to pay anywhere from $200-$500 a month for health insurance, depending on the type of plan and about $100 a month for a dental DMO.
Reply:please browse link below to get your answer.
http://www.tkqlhce.com/click-1748196-103...
Reply:You may want to try a website that compares multiple companies at once to get you the best price. I am paying less than ½ after I did.
Go to: http://www.insureme.com/landing.aspx?Ref...
Take care,
Casey
Reply:You might want to try and bookmark this site for research information on health insurance. news, articles and more. It may have the resources to help you with your question about cheap health insurance.
http://www.healthinsurance-guide.net/
Reply:It really depends on what specific health and dental services
you want included. To minimize the premium and maximize
the coverage I suggest a combination of a high deductible
PPO health plan and the MySimpleCard membership.
For your age category and depending on whether
you are a student or not, you will be able to get both for
a combined premium of under $200.
Let me know if you have any questions. You can contact me through the Contact Us link on the site and can sign up through the Join Now link.
How much does health and dental insurance cost for a healthy 22 year old male?
It depends on what company you go with, which benefits you want included, are you a smoker, any health problems in you family. check different company's on-line and most of them will probably have a calculator to give you an idea on cost.
Reply:From ...$60 .....To....$300.....It doesn't work this way.
"Just liability, or full coverage? "
Reply:Depends on where you live and the type of plan. Budget $250 a month for health, and $35 a month for dental. If you add up the dental premiums and see what's covered, you'll notice that you'll be better off paying for your dental out of pocket - the benefits don't add up to what the premiums are.
Reply:You need to decide what kind of deductible and co-pay you want to have. The higher the deductible or co-pay, the lower your monthly bill. If your a healthy 22 year old, you might want to get a higher co-pay since you probably won't be at the doctors office much.
Reply:It depends on a number of things:
1. the type of coverage you want (an HMO will be significantly more expensive than a "traditional" plan with a higher deductible)
2. What insurance company you pick
3. Your location (In New York, prices vary by county.)
Expect to pay anywhere from $200-$500 a month for health insurance, depending on the type of plan and about $100 a month for a dental DMO.
Reply:please browse link below to get your answer.
http://www.tkqlhce.com/click-1748196-103...
Reply:You may want to try a website that compares multiple companies at once to get you the best price. I am paying less than ½ after I did.
Go to: http://www.insureme.com/landing.aspx?Ref...
Take care,
Casey
Reply:You might want to try and bookmark this site for research information on health insurance. news, articles and more. It may have the resources to help you with your question about cheap health insurance.
http://www.healthinsurance-guide.net/
Reply:It really depends on what specific health and dental services
you want included. To minimize the premium and maximize
the coverage I suggest a combination of a high deductible
PPO health plan and the MySimpleCard membership.
For your age category and depending on whether
you are a student or not, you will be able to get both for
a combined premium of under $200.
A good health insurance company offering individual health and dental coverage for self employed people?
I live in Florida.
A good health insurance company offering individual health and dental coverage for self employed people?
Hi, I think you should consider a BlueCross/BlueShield policy. Their rates are very good right now if you don't have any pre-existing conditions. You can also add a dental policy. Aetna and Humana can be very good also, but I think your best bet at the moment is BCBS.
If you want to sent me a quick e-mail with your birth date, I'd be glad to return a quote by e-mail from all three companies so you can compare, and then I'll show you how to find an agent in your area online. warren@iccf.us
A good health insurance company offering individual health and dental coverage for self employed people?
Hi, I think you should consider a BlueCross/BlueShield policy. Their rates are very good right now if you don't have any pre-existing conditions. You can also add a dental policy. Aetna and Humana can be very good also, but I think your best bet at the moment is BCBS.
If you want to sent me a quick e-mail with your birth date, I'd be glad to return a quote by e-mail from all three companies so you can compare, and then I'll show you how to find an agent in your area online. warren@iccf.us
Im without health and dental insurance and I need it badly...how do I know which company to go with?
I am a 22 year old female who does not have insurance. I do need to go to the dentist badly as well as get a check up and other medical needs. But, without insurance, it will cost a arm and a leg to get what I need taken care of. What should I do?
Im without health and dental insurance and I need it badly...how do I know which company to go with?
See what your state may offer. Some provide low cost insurance to those that cannot get it through work.
Reply:If you are in immediate need for medical or dental help go to your local Charity hospital. Despite what you may have heard their doctors are some of the best from around your local area..
You my be stuck waiting in a line it is not the fastest thing in the world but once again its a viable option to nothing.
Reply:At least get the cleaning every 6 or 9 months if you nave to wait. If something is painful or youhave cavities or missing teeth, consider going to a dental school to get the work done. Some things (loose fillings) can wait a year or two sometimes. Ask. Good luck.
Reply:Do you have a job? You're probably covered under your employer's insurance plan.
Go to the dentist and tell them you don't have insurance %26amp; ask for a payment plan. If you just get an exam and cleaning, it's probably gonna cost around $100 or less. Don't get any extras like xrays, etc.
Reply:join the service - it won't cost you a cent, and when you get out you have your college paid for, or if that's finished, some other schooling.
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Im without health and dental insurance and I need it badly...how do I know which company to go with?
See what your state may offer. Some provide low cost insurance to those that cannot get it through work.
Reply:If you are in immediate need for medical or dental help go to your local Charity hospital. Despite what you may have heard their doctors are some of the best from around your local area..
You my be stuck waiting in a line it is not the fastest thing in the world but once again its a viable option to nothing.
Reply:At least get the cleaning every 6 or 9 months if you nave to wait. If something is painful or youhave cavities or missing teeth, consider going to a dental school to get the work done. Some things (loose fillings) can wait a year or two sometimes. Ask. Good luck.
Reply:Do you have a job? You're probably covered under your employer's insurance plan.
Go to the dentist and tell them you don't have insurance %26amp; ask for a payment plan. If you just get an exam and cleaning, it's probably gonna cost around $100 or less. Don't get any extras like xrays, etc.
Reply:join the service - it won't cost you a cent, and when you get out you have your college paid for, or if that's finished, some other schooling.
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The best health and dental insurance for Twenty Somethings???
something reasonable in cost, and such.
The best health and dental insurance for Twenty Somethings???
This depends on what state you live in since health insurance is governed by State Insurance Laws. Please let me know the state and I'd be glad to help you.
I sell insurance in the state of Michigan and I'm familiar with other states insurance options.
Craig
www.covermi.com
Reply:If you have to get your own insurance.... I suggest going to ehealthinsurance.com to compare prices and plans. I suggest if you are healthy, it would be cheaper keeping your monthly premium lower rather than paying more a month just to have copay for doctors visits. Just keep in mind that you want to have a reasonable deductable that you can afford in case something major should happen and you have to be hospitalized. My family has to buy our own health insurance, and right now we have United Health Care, and so far I don't have any complaints. I think it's one of the most reasonable priced health insurance. As for dental, if you don't really have dental problems, you may just want to consider paying for a cleaning and checkup out of pocket 2 times a year. It's not that expensive.
The best health and dental insurance for Twenty Somethings???
This depends on what state you live in since health insurance is governed by State Insurance Laws. Please let me know the state and I'd be glad to help you.
I sell insurance in the state of Michigan and I'm familiar with other states insurance options.
Craig
www.covermi.com
Reply:If you have to get your own insurance.... I suggest going to ehealthinsurance.com to compare prices and plans. I suggest if you are healthy, it would be cheaper keeping your monthly premium lower rather than paying more a month just to have copay for doctors visits. Just keep in mind that you want to have a reasonable deductable that you can afford in case something major should happen and you have to be hospitalized. My family has to buy our own health insurance, and right now we have United Health Care, and so far I don't have any complaints. I think it's one of the most reasonable priced health insurance. As for dental, if you don't really have dental problems, you may just want to consider paying for a cleaning and checkup out of pocket 2 times a year. It's not that expensive.
Is a health and dental deductible an amount you have to reach through monthly payments before the insurers?
start to help you pay for medical expenses?
Is a health and dental deductible an amount you have to reach through monthly payments before the insurers?
No, that is your monthly payment.
Deductible is the amount you need to pay out of pocket for services. When it is reached, insurance will co-pay or pay 100% for the rest of the costs. Thus, a $250 deductible for dentistry means you pay the first $250, then insurance helps. This is independent of the monthly amount you pay for the insurance.
Reply:A health/dental insurance deductible is a limit you must first reach before they will start paying. So if it's $500.00 then you have to shell out $500 ON TOP of your monthly payments before the carrier will kick in. That amount(deductible) is paid to the provider, not the insurance company.
Basically, your monthly payments don't apply to the deductible. Like car insurance. You pay every month, but when you get into an accident they don't apply your monthly payments to your deductible.
Is a health and dental deductible an amount you have to reach through monthly payments before the insurers?
No, that is your monthly payment.
Deductible is the amount you need to pay out of pocket for services. When it is reached, insurance will co-pay or pay 100% for the rest of the costs. Thus, a $250 deductible for dentistry means you pay the first $250, then insurance helps. This is independent of the monthly amount you pay for the insurance.
Reply:A health/dental insurance deductible is a limit you must first reach before they will start paying. So if it's $500.00 then you have to shell out $500 ON TOP of your monthly payments before the carrier will kick in. That amount(deductible) is paid to the provider, not the insurance company.
Basically, your monthly payments don't apply to the deductible. Like car insurance. You pay every month, but when you get into an accident they don't apply your monthly payments to your deductible.
Can a small employer (dental office with 11 employees) cut off health benefits to discipline employees?
Office manager decides dental hygienists are making too many clerical errors and decides to punish them by notifying them that she's dropping their health insurance.
Can a small employer (dental office with 11 employees) cut off health benefits to discipline employees?
I don't think so. I will could the labor board for whichever state you live in and find out for sure, and see what you can do about it.
Reply:no not if it was part of the deal when u were hired
Reply:If the dentist wants to drop the health benefits, and does, keep working and very quietly look for someplace else to work. Most companies will give you a warning and it will stay in your file for a specific time period at which it will disappear, sometimes.
Can a small employer (dental office with 11 employees) cut off health benefits to discipline employees?
I don't think so. I will could the labor board for whichever state you live in and find out for sure, and see what you can do about it.
Reply:no not if it was part of the deal when u were hired
Reply:If the dentist wants to drop the health benefits, and does, keep working and very quietly look for someplace else to work. Most companies will give you a warning and it will stay in your file for a specific time period at which it will disappear, sometimes.
Can dental problems have an effect on your health?
i have lots of dental problems at the dentist every 2 months, fixing fillings and other problems, can this have an effect on your overall health as i get sick quickly with flu and if there is a virus around i always catch it, or maybe stommach problems? I know it can make your breath smell bad.
Can dental problems have an effect on your health?
When there is decay, abscesses or perio disease involved it's caused from "bacteria" that has been allowed to “run rampant” in the mouth. Everyone has bacteria in their mouth but it's when it's not removed by brushing and flossing or teeth aren't cleaned, it leads to decay, abscesses and perio disease. All of these effect you “overall health” by allowing these “bacteria to grow” and left unchecked (for what ever period of time) causing infection before you have your dental problems corrected. Even your immune system can’t fight off bacteria that are allowed to grow in a damp, dark perfect environment such as your mouth offers. During that time you are allowing this infection to run the coarse of your whole body, all from the bacteria that forms daily in your mouth when it’s not removed by brushing and flossing. Bacterial infections are easy to treat with antibiotics, but when it starts slowly from decay in a tooth or your tissue in your mouth it usually goes unnoticed until you have a tooth ache that sends you to the dentist. Most people with "active decay in their mouths," (if they were to think about it) would tell you that they have had more colds, viruses, sinus infections and other problems than they had years ago, before the "teeth problems" (caused from bacteria) ever started. They have linked the plaque formed from bacteria that causes perio disease in the mouth to the plaque that causes heart attacks. Think about it, years ago before the dentist was around, during the “blacksmith” days, people with an abscessed tooth usually died because of it if they couldn’t get it extracted. Believe it or not, that still happens today with some ignorant people who think that tooth ache will go away on its own. That should answer your question right there, if you were to consider our history. So yes, any infection or bacteria in the mouth and teeth, allowed to go unchecked can have a devastating effect on your over all good health. Hope I've explained this where you can understand the importance of flossing and brushing your teeth to remove the bacteria forming plaque before it causes damage that can ruin your health. Also, by taking care of any active decay now and seeing your dentist for regular cleanings and exams. This allows us to monitor your dental health which plays a large role in maintaining you’re over all good physical health. Good luck and I hope you’ll see your dentist to correct any problems that you may have.
Reply:Yes besides causing stomach problems, bad dental health can cause heart problems %26amp; stroke.
Reply:I usually have stinky breath in the morning and I believe this smell originates from an infected mind.
Reply:Perhaps if you are stressed out about your dental problems it may be having an effect in this way and making you sick
Reply:Yes, dental problems can lead to bacteria entering the heart, and cause death. I knew someone who squeezed a tooth abcess, and he died!
Reply:Yes it can, but not directly. just keep visiting your dentist regularly and ask your doctor about your other problems when you go for your next visit. Otherwise keep your teeth healthy.
Reply:many years ago when oral hygiene wasn't priority tooth decay was causing infections and diseases of the mouth usually leading to death. overall health having been effected by dental problems yes It can but also could be many other related and non related issues if your unsure see a doctor and or dentist for any precautions you may want to take or routine you may want change to help you
Reply:You lack some essential vitamins. visit a physician fast.
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Can dental problems have an effect on your health?
When there is decay, abscesses or perio disease involved it's caused from "bacteria" that has been allowed to “run rampant” in the mouth. Everyone has bacteria in their mouth but it's when it's not removed by brushing and flossing or teeth aren't cleaned, it leads to decay, abscesses and perio disease. All of these effect you “overall health” by allowing these “bacteria to grow” and left unchecked (for what ever period of time) causing infection before you have your dental problems corrected. Even your immune system can’t fight off bacteria that are allowed to grow in a damp, dark perfect environment such as your mouth offers. During that time you are allowing this infection to run the coarse of your whole body, all from the bacteria that forms daily in your mouth when it’s not removed by brushing and flossing. Bacterial infections are easy to treat with antibiotics, but when it starts slowly from decay in a tooth or your tissue in your mouth it usually goes unnoticed until you have a tooth ache that sends you to the dentist. Most people with "active decay in their mouths," (if they were to think about it) would tell you that they have had more colds, viruses, sinus infections and other problems than they had years ago, before the "teeth problems" (caused from bacteria) ever started. They have linked the plaque formed from bacteria that causes perio disease in the mouth to the plaque that causes heart attacks. Think about it, years ago before the dentist was around, during the “blacksmith” days, people with an abscessed tooth usually died because of it if they couldn’t get it extracted. Believe it or not, that still happens today with some ignorant people who think that tooth ache will go away on its own. That should answer your question right there, if you were to consider our history. So yes, any infection or bacteria in the mouth and teeth, allowed to go unchecked can have a devastating effect on your over all good health. Hope I've explained this where you can understand the importance of flossing and brushing your teeth to remove the bacteria forming plaque before it causes damage that can ruin your health. Also, by taking care of any active decay now and seeing your dentist for regular cleanings and exams. This allows us to monitor your dental health which plays a large role in maintaining you’re over all good physical health. Good luck and I hope you’ll see your dentist to correct any problems that you may have.
Reply:Yes besides causing stomach problems, bad dental health can cause heart problems %26amp; stroke.
Reply:I usually have stinky breath in the morning and I believe this smell originates from an infected mind.
Reply:Perhaps if you are stressed out about your dental problems it may be having an effect in this way and making you sick
Reply:Yes, dental problems can lead to bacteria entering the heart, and cause death. I knew someone who squeezed a tooth abcess, and he died!
Reply:Yes it can, but not directly. just keep visiting your dentist regularly and ask your doctor about your other problems when you go for your next visit. Otherwise keep your teeth healthy.
Reply:many years ago when oral hygiene wasn't priority tooth decay was causing infections and diseases of the mouth usually leading to death. overall health having been effected by dental problems yes It can but also could be many other related and non related issues if your unsure see a doctor and or dentist for any precautions you may want to take or routine you may want change to help you
Reply:You lack some essential vitamins. visit a physician fast.
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Do you think that dental work should be covered by regular health insurance plans?
I don't see why it isn't already. If your teeth get too bad, it can affect your brain. Are there any health insurance plans that include dental, or do you always have to get dental separate?
Do you think that dental work should be covered by regular health insurance plans?
Dental Insurance policies are separate from Health Insurance. Most policies will allow you to buy a rider including dental, but even still the policies rarely cover 100% of everything you need done or they have a low maximum.
It would make life so much easier if dental was included on the health insurance, but for some reason teeth and eye are considered separate.
I have worked with policies that are supose to cover dental if the dental procedures are a direct cause of an accident and still they require the sun, moon and the stars before they will pay and they only give an alotted time for all the work to be completed.
If you have ever visited a nursing home you can see just how important teeth are for those who are frail and need to take in nourishment, it can come down to a life and death issue, what a shame.
Reply:I wish! My company doesn't even offer dental only medical. Even a cleaning is $300 who can afford it.
Reply:yes
Reply:yes i think dental work should be covered by regular health insurance.
Reply:i agree. teeth should be covered by health insurance. my health insurance covered my wisdom teeth extraction because it was surgery. Go figure.
Reply:The dental has always been separate in my experience. My problem with the dental coverage is the cap on coverage is low on most plans (like $1500 or something). If you need expensive things like crowns and stuff, you are going to have to cough up some money.
Reply:I think if it becomes a medical problem then the dental will be covered (like TMJ or impacted wisdom teeth). Other than that it is not considered a medical issue to have your teeth cleaned and cavities filled so why would they cover it. I think having dental coverage is preventative and medical insurers are not willing to be that preventative I guess.
Reply:MOST DEFINITELY! I pay only $38 a month for complete family medical care (with a very small deductible) and my insurance pays several thousands of dollars a year in medical expenses. My dental insurance family plan is $105 per month, and has only paid about $2000 in expenses in the past four years! Something is not right here!
Reply:I totally agree with you. May be a denture cost could be out of the cover as it is more cosmetic.
Reply:People who's teeth rot out of their head are feeble-minded to begin with. That's why they gorge on sugary junk food and soda, and never brush their teeth. Sure, rotten teeth might effect the brain, but these people didn't have a fully functional brain to begin with. How about when these idiots blow up to the size of a 450 Lb blimp due to the horrible diet they eat? They I guess we will have to pay for gastric bypass surgery, too? Let's just pay for cyanide pills to put these people out of their misery to begin with.
Reply:It depends on what dental work is done. Most dental surgical procedures are already covered under the health plan, even though the policies are separate. Some insurances cover both, but the dental is still an additional fee and an option.
Reply:i think health insurance should cover health, dental, and vision. unfortunately, the hmo's control what they do/don't cover and how much you pay for it.
personaly, i'de pay a higher federal income tax to have the gov provide complementary (tax payed) health, dental, vision like they do in other countries as covered by the movie sicko.
Reply:all dental is cosmetic.....as far as they are concerned, you can still eat baby food
Reply:yes
Reply:Dental is always separate. Bony impacted wisdom teeth is the only dental procedure covered under medical.
Reply:SOME COVER DENTAL, BUT STILL RARE.
DENTAL INFECTIONS HAVE BEEN LINKED TO INFECTIONS WITHIN THE BODY
Do you think that dental work should be covered by regular health insurance plans?
Dental Insurance policies are separate from Health Insurance. Most policies will allow you to buy a rider including dental, but even still the policies rarely cover 100% of everything you need done or they have a low maximum.
It would make life so much easier if dental was included on the health insurance, but for some reason teeth and eye are considered separate.
I have worked with policies that are supose to cover dental if the dental procedures are a direct cause of an accident and still they require the sun, moon and the stars before they will pay and they only give an alotted time for all the work to be completed.
If you have ever visited a nursing home you can see just how important teeth are for those who are frail and need to take in nourishment, it can come down to a life and death issue, what a shame.
Reply:I wish! My company doesn't even offer dental only medical. Even a cleaning is $300 who can afford it.
Reply:yes
Reply:yes i think dental work should be covered by regular health insurance.
Reply:i agree. teeth should be covered by health insurance. my health insurance covered my wisdom teeth extraction because it was surgery. Go figure.
Reply:The dental has always been separate in my experience. My problem with the dental coverage is the cap on coverage is low on most plans (like $1500 or something). If you need expensive things like crowns and stuff, you are going to have to cough up some money.
Reply:I think if it becomes a medical problem then the dental will be covered (like TMJ or impacted wisdom teeth). Other than that it is not considered a medical issue to have your teeth cleaned and cavities filled so why would they cover it. I think having dental coverage is preventative and medical insurers are not willing to be that preventative I guess.
Reply:MOST DEFINITELY! I pay only $38 a month for complete family medical care (with a very small deductible) and my insurance pays several thousands of dollars a year in medical expenses. My dental insurance family plan is $105 per month, and has only paid about $2000 in expenses in the past four years! Something is not right here!
Reply:I totally agree with you. May be a denture cost could be out of the cover as it is more cosmetic.
Reply:People who's teeth rot out of their head are feeble-minded to begin with. That's why they gorge on sugary junk food and soda, and never brush their teeth. Sure, rotten teeth might effect the brain, but these people didn't have a fully functional brain to begin with. How about when these idiots blow up to the size of a 450 Lb blimp due to the horrible diet they eat? They I guess we will have to pay for gastric bypass surgery, too? Let's just pay for cyanide pills to put these people out of their misery to begin with.
Reply:It depends on what dental work is done. Most dental surgical procedures are already covered under the health plan, even though the policies are separate. Some insurances cover both, but the dental is still an additional fee and an option.
Reply:i think health insurance should cover health, dental, and vision. unfortunately, the hmo's control what they do/don't cover and how much you pay for it.
personaly, i'de pay a higher federal income tax to have the gov provide complementary (tax payed) health, dental, vision like they do in other countries as covered by the movie sicko.
Reply:all dental is cosmetic.....as far as they are concerned, you can still eat baby food
Reply:yes
Reply:Dental is always separate. Bony impacted wisdom teeth is the only dental procedure covered under medical.
Reply:SOME COVER DENTAL, BUT STILL RARE.
DENTAL INFECTIONS HAVE BEEN LINKED TO INFECTIONS WITHIN THE BODY
I would like to know where can I download templates for dental patient health record?
Can you clarify this - do you mean the Medical/Dental health questionnaire or do you mean the forms for charting dentition and periodontal conditions?
leather boots
leather boots
Is there such a thing as affordable health and dental insurance for someone that is 60 years old?
And in pretty good health? What company(ies) would you recommend. I live in Omaha, Nebraska United States. I currently pay $330 a month for PPO BCBS a month and it is killing me! Thanks
Is there such a thing as affordable health and dental insurance for someone that is 60 years old?
Is your income low enough to qualify for Medicaid? Or can your health hold out for Medicare at age 65? You can get health insurance but to keep it low you'll either need high deductibles or minimum coverage. If your concern is having high hospital bills, you can protect against that. If you think you'll need more coverage for regular doctor visits, your costs will be higher.
Is it possible that you can just go to the medical clinics that charge around $60-$80 for a specific problem?
Reply:Ya know, your rate sounds pretty darned good to me!! The only way you'll get something substantially cheaper, is if you get a job with an employer that picks up more of the tab for it.
Reply:There are two good ways to shop around for a better rate. One, find a local independent insurance agent (one who represents several companies) and put them to work finding the best deal for you. Two, use one of the free online services that does the same. Here's a page that lists a few such services...
Reply:You may want to consider a Health Savings Account (HSA) or another similar high deductible plan rather than a (very low) $500 deductible plan.
The most important thing to keep in mind is that you want to keep comprehensive major medical coverage with no annual or procedure limits in the event of a large medical bill. The extras like copays are really just a preference (and budgetary) item.
You will want to compare health insurance quotes from at least 3 different health insurance companies. A good quote service that offers 5 health insurance quotes from top insurance companies in your home zip code is Health Quote 360.
Reply:You would be well advised to call BCBS and ask for a higher deductible. The average in South Florida is $2500. Don't be afraid of it.
Reply:If $330/month isn't affordable for a 60 year old (on a $500 deductible plan), then you're going to have a VERY difficult time finding something you'd call affordable.
Seriously, I pay $450/month just for me and I'm 36. And that's only because I'm lucky enough to have access to a group plan (though I do have to pay 100% of it myself, that's still MUCH cheaper than the $800/month it would cost me for similar coverage on an individual plan.)
As someone else suggested, you should seriously consider choosing a higher deductible and possibly going with a high-deductible plan with a health savings account attached. (If you're in good health, then you could use the money you save in your health savings account later for paying Medicare premiums, when you become eligible, if you don't need to use it for your medical needs over the next 5 years.)
Reply:In your situation where you are not satisfied with the high
premiums and obviously want coverage before the
first $500, I suggest a combination of a higher deductible
health insurance and the mysimplecard membership.
Bottom line, you save the most money that way no matter
what happens to your health any given year.
Reply:not so expensive
Is there such a thing as affordable health and dental insurance for someone that is 60 years old?
Is your income low enough to qualify for Medicaid? Or can your health hold out for Medicare at age 65? You can get health insurance but to keep it low you'll either need high deductibles or minimum coverage. If your concern is having high hospital bills, you can protect against that. If you think you'll need more coverage for regular doctor visits, your costs will be higher.
Is it possible that you can just go to the medical clinics that charge around $60-$80 for a specific problem?
Reply:Ya know, your rate sounds pretty darned good to me!! The only way you'll get something substantially cheaper, is if you get a job with an employer that picks up more of the tab for it.
Reply:There are two good ways to shop around for a better rate. One, find a local independent insurance agent (one who represents several companies) and put them to work finding the best deal for you. Two, use one of the free online services that does the same. Here's a page that lists a few such services...
Reply:You may want to consider a Health Savings Account (HSA) or another similar high deductible plan rather than a (very low) $500 deductible plan.
The most important thing to keep in mind is that you want to keep comprehensive major medical coverage with no annual or procedure limits in the event of a large medical bill. The extras like copays are really just a preference (and budgetary) item.
You will want to compare health insurance quotes from at least 3 different health insurance companies. A good quote service that offers 5 health insurance quotes from top insurance companies in your home zip code is Health Quote 360.
Reply:You would be well advised to call BCBS and ask for a higher deductible. The average in South Florida is $2500. Don't be afraid of it.
Reply:If $330/month isn't affordable for a 60 year old (on a $500 deductible plan), then you're going to have a VERY difficult time finding something you'd call affordable.
Seriously, I pay $450/month just for me and I'm 36. And that's only because I'm lucky enough to have access to a group plan (though I do have to pay 100% of it myself, that's still MUCH cheaper than the $800/month it would cost me for similar coverage on an individual plan.)
As someone else suggested, you should seriously consider choosing a higher deductible and possibly going with a high-deductible plan with a health savings account attached. (If you're in good health, then you could use the money you save in your health savings account later for paying Medicare premiums, when you become eligible, if you don't need to use it for your medical needs over the next 5 years.)
Reply:In your situation where you are not satisfied with the high
premiums and obviously want coverage before the
first $500, I suggest a combination of a higher deductible
health insurance and the mysimplecard membership.
Bottom line, you save the most money that way no matter
what happens to your health any given year.
Reply:not so expensive
Is there any different between a master degree in public health (MPH) and a master in dental public health?
I thought that a masters in dental public health is an internship program you took after getting you dental degree which awards the masters degree. Dentists skip the masters degree normally.
A masters in public health is a program you take after your bachelors degree.
There could easily be other setups that I am not aware of.
clogs
A masters in public health is a program you take after your bachelors degree.
There could easily be other setups that I am not aware of.
clogs
Is there any different between a master degree in public health (MPH) and a master in dental public health?
I'm unfamiliar with a masters of dental public health, but I imagine it would be like the MPH, but more focused on dental policy. I'd get a MPH: its seems more generally applicable and more easily recognized.
Is there any different between a master degree in public health (MPH) and a master in dental public health?
No, they are exactly the same. Just two different names. Don't pay any attention to that.
Is there any different between a master degree in public health (MPH) and a master in dental public health?
No, they are exactly the same. Just two different names. Don't pay any attention to that.
I am looking for a good health and dental insurance plan can n e one help?
i am needing to get a good but cheap healthcare plan but more than n e thing i need a better dental plan for my daughter. she is five and she is missing two of her teeth wich the dentist says will never come in and she has already been told that as soon as she looses all of her baby teeth she will have to have braces and then dental implants where the two teeth are missing. so we need some really good insurance because this is going to cost me a fortune if not.
I am looking for a good health and dental insurance plan can n e one help?
I sympathise with your daughter's situation. The best dental plan
for implants and braces is eHealthPlus. You will save
between 25%-60%. Check it out. Make sure you have
dentists near by that participate.
Reply:I have never heard of a dental plan covering implants or orthodontist work. I would call and talk to an Orthodontist and see what payment plans they have available. Most will work out payments over time..as braces, retainers etc..would be a process and not an overnight procedure.
I am looking for a good health and dental insurance plan can n e one help?
I sympathise with your daughter's situation. The best dental plan
for implants and braces is eHealthPlus. You will save
between 25%-60%. Check it out. Make sure you have
dentists near by that participate.
Reply:I have never heard of a dental plan covering implants or orthodontist work. I would call and talk to an Orthodontist and see what payment plans they have available. Most will work out payments over time..as braces, retainers etc..would be a process and not an overnight procedure.
Does the Army pay for fiance dental and health care? Or is no marriage no benifits?
nope! no marriage, no bennifits.
Does the Army pay for fiance dental and health care? Or is no marriage no benifits?
No. They will only pay if you are married.
Reply:Only your spouse, and dependents
Reply:Nothing without a legal marriage.
Reply:The military only pays for dependent (spouse, kids) medical. For dental you still need to get dental insurance. Military doesn't see dependents for routine dental care except if you're overseas. Once your married United Concordia has great dental insurance. No marriage certificate no treatment!!!! Call your local congressman if there's a problem.
Does the Army pay for fiance dental and health care? Or is no marriage no benifits?
No. They will only pay if you are married.
Reply:Only your spouse, and dependents
Reply:Nothing without a legal marriage.
Reply:The military only pays for dependent (spouse, kids) medical. For dental you still need to get dental insurance. Military doesn't see dependents for routine dental care except if you're overseas. Once your married United Concordia has great dental insurance. No marriage certificate no treatment!!!! Call your local congressman if there's a problem.
At work I get no dental nor health, been there almost 1 yr!!?
Is this normal! It has actualy almost been one year (2 months to go) Does anyone know if it is okay for them to do that, can they get in trouble by law?
At work I get no dental nor health, been there almost 1 yr!!?
It is very common, but unfortunate. Many employers simply do not offer benefits to their employees and it is legal.
Reply:they don't have to give you any benefits except overtime if you are hourly. It's just a courtesy to get you to work there.
Reply:Employers are not required to provide health or dental insurance, that is why it's called benefits. This is something that you should have discussed with them when they offered you the position. Have they mentioned they do provide insurance at the time? If so, ask them when will you be eligible (most companies have waiting period of 30-90 days.) If not, you may want to start looking for work elsewhere, where you actually will be getting those benefits.
Reply:Employers are not required to provide you any benefits except governed by law. The best thing I can tell you to do is search for private health insurance. There are some out there pretty decent and fairly cheap.
Reply:Health/dental are "benefits" not obligations of a company to offer. If you use them much at all, it's worth taking a job with a slightly lower salary, if it has good benefits to make up for the paycheck.
Perhaps you should begin scoping out a job that offers those things. I've been w/o health insurance for short periods of time and felt very vulnerable.
Reply:No, it's not compulsory by law, just expected by the public.
Most private employers eventually have to address the issue even they don't do anything but a "cafeteria" plan (where they take your pre-tax dollars, whatever amount you decide you will really spend for health-care, and deduct it out of your check each pay period). A lot of employers don't have a dental plan for employees.
Consider different employment, benefits are expensive for everyone. Most employees don't know how much their employer is contributing towards their health care. You should.
Reply:There is no law, either state or federal, that an employer must provide health benefits to their employees. Were you promised benefits at hire? Do you have a handbook or other materials that state you will receive them? If so then go and see your H.R. rep. to see if/when you can sign up.
Reply:The employer is under no obligation to provide any benefits, including health and dental, to its employees. Most employers provide some level of benefits in order to compete for workers in the labor market, but some industries are notorious for offering poor or no benefits. In addition, most companies do not offer health benefits to part-time workers.
Check with your HR person to see what the company offers and when it is effective (next time, ask this question during the interview process.)
Good luck.
At work I get no dental nor health, been there almost 1 yr!!?
It is very common, but unfortunate. Many employers simply do not offer benefits to their employees and it is legal.
Reply:they don't have to give you any benefits except overtime if you are hourly. It's just a courtesy to get you to work there.
Reply:Employers are not required to provide health or dental insurance, that is why it's called benefits. This is something that you should have discussed with them when they offered you the position. Have they mentioned they do provide insurance at the time? If so, ask them when will you be eligible (most companies have waiting period of 30-90 days.) If not, you may want to start looking for work elsewhere, where you actually will be getting those benefits.
Reply:Employers are not required to provide you any benefits except governed by law. The best thing I can tell you to do is search for private health insurance. There are some out there pretty decent and fairly cheap.
Reply:Health/dental are "benefits" not obligations of a company to offer. If you use them much at all, it's worth taking a job with a slightly lower salary, if it has good benefits to make up for the paycheck.
Perhaps you should begin scoping out a job that offers those things. I've been w/o health insurance for short periods of time and felt very vulnerable.
Reply:No, it's not compulsory by law, just expected by the public.
Most private employers eventually have to address the issue even they don't do anything but a "cafeteria" plan (where they take your pre-tax dollars, whatever amount you decide you will really spend for health-care, and deduct it out of your check each pay period). A lot of employers don't have a dental plan for employees.
Consider different employment, benefits are expensive for everyone. Most employees don't know how much their employer is contributing towards their health care. You should.
Reply:There is no law, either state or federal, that an employer must provide health benefits to their employees. Were you promised benefits at hire? Do you have a handbook or other materials that state you will receive them? If so then go and see your H.R. rep. to see if/when you can sign up.
Reply:The employer is under no obligation to provide any benefits, including health and dental, to its employees. Most employers provide some level of benefits in order to compete for workers in the labor market, but some industries are notorious for offering poor or no benefits. In addition, most companies do not offer health benefits to part-time workers.
Check with your HR person to see what the company offers and when it is effective (next time, ask this question during the interview process.)
Good luck.
Dental and Health?
I have been to 8 dentist,and my problem is i have this mass growing under my jaw bone.I have took 4 times Clindamycin 300 mg and it does take and heal because the swelling starts to go away,and when i take all my pills the swelling comes back.I feel the pills do work to a point but there is a bactria the medication cant reach.My Question is, what kind of DR. do i need to see.I have been to a oral surgeon,no help there. This matter is urgent.
Dental and Health?
Do you live near a large university??
You definately need to go to the top oral surgeon you can find. It seems as though you're aware that the antibiotics are a temporary fix. Don't give up. Get a second opinion and a third and so on until someone agrees to help you.
You didn't say what the oral surgeon who examined you diagnosed, so I don't know anyone else to go to but an oral surgeon.
Best wishes!
private myspace
Dental and Health?
Do you live near a large university??
You definately need to go to the top oral surgeon you can find. It seems as though you're aware that the antibiotics are a temporary fix. Don't give up. Get a second opinion and a third and so on until someone agrees to help you.
You didn't say what the oral surgeon who examined you diagnosed, so I don't know anyone else to go to but an oral surgeon.
Best wishes!
private myspace
Does Clinton's or Obama's health card system cover dental? and if so, to what extent?
Does Clinton's or Obama's health card system cover dental? and if so, to what extent?
Does McCain support a different system other than what we have now?
Does Clinton's or Obama's health card system cover dental? and if so, to what extent?
As long as they're pandering with other people's money, sure let's throw in dental, optical, health club memberships, and self-esteem.
McCain supports a tax credit of $2500 per person, and allowing insurers to cross state lines.
Reply:Rude answer, very right answer. Report It
Reply:Either democrats system gives you whatever you want at someone else's expense.
Reply:Neither covers dental. Even medicare does not cover dental.
Does McCain support a different system other than what we have now?
Does Clinton's or Obama's health card system cover dental? and if so, to what extent?
As long as they're pandering with other people's money, sure let's throw in dental, optical, health club memberships, and self-esteem.
McCain supports a tax credit of $2500 per person, and allowing insurers to cross state lines.
Reply:Rude answer, very right answer. Report It
Reply:Either democrats system gives you whatever you want at someone else's expense.
Reply:Neither covers dental. Even medicare does not cover dental.
Does Anyone Know If The AllKids Health Insurance Pays For Dental Braces???
It Says On There WebSite, That It Covers All The Health That A Kid Could Have Includeing Dental And Eye Exams. But It Doesnt Say If It Covers Braces Or Not. So If Anyone Who Has Allkids Health Insurance Knows Please Let Me Know.
- Thanks
Does Anyone Know If The AllKids Health Insurance Pays For Dental Braces???
Per their website http://www.allkids.com/customers/find_de...
Orthodontic Services:
Orthodontia (Coverage limited to children meeting or exceeding a score of 42 from the Modified Salzmann Index)
Reply:You should contact them to be sure, but most insurance companies do not cover braces. Even dental insurance usually only covers a portion (like 50%).
Reply:well the nhs does and if it does then you have to wait on a really long waitng list which takes bouyt 3 years sorry but beta to go private i did and getting my last braces 1 year later
- Thanks
Does Anyone Know If The AllKids Health Insurance Pays For Dental Braces???
Per their website http://www.allkids.com/customers/find_de...
Orthodontic Services:
Orthodontia (Coverage limited to children meeting or exceeding a score of 42 from the Modified Salzmann Index)
Reply:You should contact them to be sure, but most insurance companies do not cover braces. Even dental insurance usually only covers a portion (like 50%).
Reply:well the nhs does and if it does then you have to wait on a really long waitng list which takes bouyt 3 years sorry but beta to go private i did and getting my last braces 1 year later
Which are the best health insurance companies in Australia for dental claims?
Is it worth joining a health insurance scheme for dental work and is there a company that will allow dental coverage only without paying for hospital or medical benefits?
Which are the best health insurance companies in Australia for dental claims?
According to my receptionist who handles the HICAPS, the best dental plans are R %26amp; T (transport union), or Teachers' Federation. For either of these you need to have a family member who is in that industry.
Next best is NRMA for anyone to join.
Worst at present is NIB.
Whether it's worth joining is a tricky question - it depends on what your current needs are, and what might happen in the future.
If you have good teeth with no holes, then you would only need cover for perhaps braces and wisdom teeth. Might be better just saving up the money after you consider the amount you would have to pay in (12 months qualifying period), and the amount of rebate you would get back. Or take out a loan if either of these treatments are necessary.
If you've had lots of cavities, then you'll probably benefit from cover because you'll always have something that needs maintenance/repair. Similarly if you're a parent with kids and they might need treatment.
The health funds only bundle dental with hospital because they make most of their profits from the hospital cover. The dental/chiropractic/sports/ ... cover is an add-on.
Consider going to a dentist for a check-up and standard diagnostic Xrays (bitewings) plus an OPG Xray for wisdom teeth before you make a decision. Ask him/her their opinion.
Reply:Hey good question buddy, thats something i'd love to know!
Which are the best health insurance companies in Australia for dental claims?
According to my receptionist who handles the HICAPS, the best dental plans are R %26amp; T (transport union), or Teachers' Federation. For either of these you need to have a family member who is in that industry.
Next best is NRMA for anyone to join.
Worst at present is NIB.
Whether it's worth joining is a tricky question - it depends on what your current needs are, and what might happen in the future.
If you have good teeth with no holes, then you would only need cover for perhaps braces and wisdom teeth. Might be better just saving up the money after you consider the amount you would have to pay in (12 months qualifying period), and the amount of rebate you would get back. Or take out a loan if either of these treatments are necessary.
If you've had lots of cavities, then you'll probably benefit from cover because you'll always have something that needs maintenance/repair. Similarly if you're a parent with kids and they might need treatment.
The health funds only bundle dental with hospital because they make most of their profits from the hospital cover. The dental/chiropractic/sports/ ... cover is an add-on.
Consider going to a dentist for a check-up and standard diagnostic Xrays (bitewings) plus an OPG Xray for wisdom teeth before you make a decision. Ask him/her their opinion.
Reply:Hey good question buddy, thats something i'd love to know!
If someone puts you as their power of attorney(my grandfather) can i add them to my health/dental insurace?
He's 80 years old and only had Medicare. I have insurance through my job and I was told this could happen, does anyhow know if this is true and if so how do you go about doing it?
If someone puts you as their power of attorney(my grandfather) can i add them to my health/dental insurace?
Power of atorney has nothing to do with it. I work in the medical field, did 2 years in records alone. POA is only active when your grandfather is incapable of making his own decisions and it expires when he expires. And it only gives you access to records and lets you make medical decisions.
I don't know what type of insurance you have at work but I have never heard of one letting you cover your grandparents, only spouses and children.
Sorry I wish I had better news for you.
Reply:it is my understanding that only your dependents can be covered by your insurance...
since he already has medicare and probably gets a monthly check, don't think it would happen
hiking boots
If someone puts you as their power of attorney(my grandfather) can i add them to my health/dental insurace?
Power of atorney has nothing to do with it. I work in the medical field, did 2 years in records alone. POA is only active when your grandfather is incapable of making his own decisions and it expires when he expires. And it only gives you access to records and lets you make medical decisions.
I don't know what type of insurance you have at work but I have never heard of one letting you cover your grandparents, only spouses and children.
Sorry I wish I had better news for you.
Reply:it is my understanding that only your dependents can be covered by your insurance...
since he already has medicare and probably gets a monthly check, don't think it would happen
hiking boots
Where can i find low cost health insurance that can include dental? I am in GA.?
I havebeen looking everywhere for health insurance that includes dental(because I want braces)but they are so much (like 290 for a adult and 2 children) I am 16 years old looking for health insurance for my dad,me,and my sister.
Where can i find low cost health insurance that can include dental? I am in GA.?
Most health insurance plans do not include dental. Some will have dental as a rider for an extra premium but the plans are generally not very good because of the waiting period and the maximum per year benefits. Some option dental plans won't cover braces at all so you need to check the benefits closely.
You have four options with dental.
1. Visit a local dental school. You can get many procedures done for a reduced price if you're willing to let them practice on you. Here is one in Georgia: http://www.mcg.edu/SOD/
2. Insurance - Depending upon the policy: cost $30-$60 per month. You pay a $50 deductible first, they have an annual maximum that they'll pay per year of $750 - $1500, they have a waiting period up to 18 months for major work and then you're paying 50% of the charges. Example - average cost for a root canal in my area is $919. With insurance you pay $460 after paying 18 months of premium (around $800 or $900). Advantage - you can use any dentist with most plans.
3. Discount plans - Cost - $5-$12 per month. No deductible, no annual maximum and no waiting periods. Also, hardly any dentists will accept the plan and when they do you MIGHT get a 10% discount, which is about the same discount you can get by paying cash. Example - average cost for a root canal in my area is $919. With discount plans you pay around $827. Be very wary of these plans because most are scams. The people that sell these plans have little or no knowledge about health %26amp; dental insurance and do not need a license to sell them. The plans are not regulated by the state so you have no recourse when you have problems. Some states are starting to ban these plans from being sold. Here is an informative link http://www.insurancejournal.com/news/wes... concerning these plans.
4. Fee for Service discount plans - Cost $7-$15 per month. No deductible, no annual maximum and no waiting periods. Many dentist will accept the plan (check providers first before signing up with any plan). When you use the plan there is a set fee that the dentist will charge you. Example - average cost for a root canal in my area is $919. With fee for service plans you pay as little as $404.
I'm an insurance agent and my personal plan is the fee for service plan. I got mine here http://www.dpbrokers.com/default.aspx?lo... specifically the Aetna Dental Access plan but which one you get depends upon your area and comparing the fee schedule to find the best for what you need covered.
Reply:your father can probably get it thru aarp pretty cheap good luck !
Reply:find at http://theclickinfo.com/dental_plan.2u or http://theclickinfo.com/insurance.go
Where can i find low cost health insurance that can include dental? I am in GA.?
Most health insurance plans do not include dental. Some will have dental as a rider for an extra premium but the plans are generally not very good because of the waiting period and the maximum per year benefits. Some option dental plans won't cover braces at all so you need to check the benefits closely.
You have four options with dental.
1. Visit a local dental school. You can get many procedures done for a reduced price if you're willing to let them practice on you. Here is one in Georgia: http://www.mcg.edu/SOD/
2. Insurance - Depending upon the policy: cost $30-$60 per month. You pay a $50 deductible first, they have an annual maximum that they'll pay per year of $750 - $1500, they have a waiting period up to 18 months for major work and then you're paying 50% of the charges. Example - average cost for a root canal in my area is $919. With insurance you pay $460 after paying 18 months of premium (around $800 or $900). Advantage - you can use any dentist with most plans.
3. Discount plans - Cost - $5-$12 per month. No deductible, no annual maximum and no waiting periods. Also, hardly any dentists will accept the plan and when they do you MIGHT get a 10% discount, which is about the same discount you can get by paying cash. Example - average cost for a root canal in my area is $919. With discount plans you pay around $827. Be very wary of these plans because most are scams. The people that sell these plans have little or no knowledge about health %26amp; dental insurance and do not need a license to sell them. The plans are not regulated by the state so you have no recourse when you have problems. Some states are starting to ban these plans from being sold. Here is an informative link http://www.insurancejournal.com/news/wes... concerning these plans.
4. Fee for Service discount plans - Cost $7-$15 per month. No deductible, no annual maximum and no waiting periods. Many dentist will accept the plan (check providers first before signing up with any plan). When you use the plan there is a set fee that the dentist will charge you. Example - average cost for a root canal in my area is $919. With fee for service plans you pay as little as $404.
I'm an insurance agent and my personal plan is the fee for service plan. I got mine here http://www.dpbrokers.com/default.aspx?lo... specifically the Aetna Dental Access plan but which one you get depends upon your area and comparing the fee schedule to find the best for what you need covered.
Reply:your father can probably get it thru aarp pretty cheap good luck !
Reply:find at http://theclickinfo.com/dental_plan.2u or http://theclickinfo.com/insurance.go
I am wondering what kind of benefits DisneyLand offers their employees.Especially in the way of health/dental
This should give you all the info you'll need:
http://jobsearch.about.com/od/companypro...
Good luck. I hear it's a great company to work for.
I am wondering what kind of benefits DisneyLand offers their employees.Especially in the way of health/dental
My pleasure. Hope your rearch is fruitful, no matter what company you choose. Report It
Reply:from what I have heard and read, not very good
Reply:Probably very good benefit. Please let me know when you really find out.
http://jobsearch.about.com/od/companypro...
Good luck. I hear it's a great company to work for.
I am wondering what kind of benefits DisneyLand offers their employees.Especially in the way of health/dental
My pleasure. Hope your rearch is fruitful, no matter what company you choose. Report It
Reply:from what I have heard and read, not very good
Reply:Probably very good benefit. Please let me know when you really find out.
My cousin is a independant contractor and wants to know what the best health/dental insurance he can get.?
He has a wife and 3 kids.
My cousin is a independant contractor and wants to know what the best health/dental insurance he can get.?
http://www.MyBenefitsPlus.com/JRussell2
Being self employed for the last 6 years I know how difficult it is to get a good and affordable plan. I now work with a company that provides health care discount plans. Our plans are great for the self employed because it is very affordable, covers up to four people, we work with pre-existing conditions and have no deductibles.
Our dental is awesome! It is only $20/mo. and can be used for most things including cosmetic. It can pay up to 86% of the service. This also includes chiropractic, vision and prescription. We also have a plan that includes dental and health.
He can contact me through the above site.
Reply:It depends on where he lives. In California where I work/live Blue Cross offers a dental plan that individuals or families can purchase. And they pay pretty well to the dental offices, but I do not know what the monthly premium is.
Reply:If he doesn't have any employees to join a plan with him, he should look for an HMO plan for both dental and medical if your region of the country is open to that type of plan. Otherwise, he should find a trust or an association plan to join that also gives him access to insurance i.e. independent contractors association.
Try to avoid buying individual insurance because it's very restrictive initially and expensive.
My cousin is a independant contractor and wants to know what the best health/dental insurance he can get.?
http://www.MyBenefitsPlus.com/JRussell2
Being self employed for the last 6 years I know how difficult it is to get a good and affordable plan. I now work with a company that provides health care discount plans. Our plans are great for the self employed because it is very affordable, covers up to four people, we work with pre-existing conditions and have no deductibles.
Our dental is awesome! It is only $20/mo. and can be used for most things including cosmetic. It can pay up to 86% of the service. This also includes chiropractic, vision and prescription. We also have a plan that includes dental and health.
He can contact me through the above site.
Reply:It depends on where he lives. In California where I work/live Blue Cross offers a dental plan that individuals or families can purchase. And they pay pretty well to the dental offices, but I do not know what the monthly premium is.
Reply:If he doesn't have any employees to join a plan with him, he should look for an HMO plan for both dental and medical if your region of the country is open to that type of plan. Otherwise, he should find a trust or an association plan to join that also gives him access to insurance i.e. independent contractors association.
Try to avoid buying individual insurance because it's very restrictive initially and expensive.
What happens if my employer has an ineligible person on our group health/dental insurance?
What if this is revealed? I don't want to loose my coverage because of their poor decisions.
What happens if my employer has an ineligible person on our group health/dental insurance?
how do you know they are ineligible?
Reply:Your coverage shouldnt be affected, however your employer should be made aware of this employees ineligibility
Reply:Stop trying to be a snitch. Mind your own business. You now know it doesn't affect you. So let it go.
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What happens if my employer has an ineligible person on our group health/dental insurance?
how do you know they are ineligible?
Reply:Your coverage shouldnt be affected, however your employer should be made aware of this employees ineligibility
Reply:Stop trying to be a snitch. Mind your own business. You now know it doesn't affect you. So let it go.
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Do you have false teeth or is this for the health(dental) section?
I am in a mood......I do not want to know if you have false teeth......just wondering if this the kind of question we put on the senior section, rather then a joke?
Yeah I know, I will be in HOT water by some....couldn't resist.......
Do you have false teeth or is this for the health(dental) section?
The question is in the right place, if you're are truly interested in the number of 'seniors' who have their own teeth, if it is idle curiosity,, GOOD, it shows your mind is active .. if you are wanting to be mischievous then perhaps you could have re-phrased the question .. as for being in hot water .. I doubt whether any of us, 'serious seniors', would belittle or deride the questioning of younger minds .. and in answer to your question at 66 I am proud to say I have all my own teeth and only one filling
Reply:I have my own teeth and it will burn if you get in hot water. Be very careful!! tee hee
Reply:All my teeth are my own, thanks.
Reply:No but I have a boil on my foot, wanna hear about it? heeee ;0)
Reply:I own them all.
Reply:hahahahahaha, How do you pay a compliment to a woman from Arkansas?
Drum roll please...............
I know I'm gonna get in so much trouble.......................
.........................................
Reply:To the divil wit' dem trolls. My teeth are falling out. Missing two lower, no molars on the left upper, only one lower left. Right molars are still there with one where the filling fell out two years ago. Upper left beaver tooth as a hole in it. And upper right fang has a cavity forming. Can't get Medicare until February. But I still kiss good!!!!
Reply:Hey! Put your question whereever you want it...I ain't mad! lol
and no ...don't have them yet! Trying to hang on to the real ones I have :-)
Reply:Well, lets just put it this way, when I go to bed at night, I'm always guaranteed that I'll see a smile to put me off to sleep!
Reply:Now, now, we must talk about Senior things here, constipation? High blood pressure, dementia, erectile dysfunction, sagging boobage or would you rather have fun and boogie?
Reply:Lilabner, Cheryl %26amp; Wally,, TTTTTTOOOOOO FUNNY.
I still want to know about the toenail fungus, sounds like it's spreading.
Reply:Honey false or not they ae our own as we will have paid for them. This is the place to find more people with experience so you are right on. Many young people and vistims of wrecks and accidents also have them.
So what was it you want to know about false teeth. I heard yo Momma has 'em and hates 'em. Better listen to her before you make any drastic changes sometimes Mother knows best.
Reply:CHERYL...........Soooooooo funny!!!!
I have toofies. My Aunt (my guardian) got drunk and knocked out the front ones when I was 16. (oh so dysfunctional) I left home and bought a partial after getting a cleaning job and later on in life, the wires ate through my other teeth.
Reply:Let's see...at the rate I am having bridges installed, I will qualify within another 6 months! I cannot believe the cost of bridges! By the time you have extraction, then root canals, then temps, then the final bridge...gees! And I only need two more of them before I am finished ...this round! And I am usually asked, "are those your own teeth?" To which I reply, for what I paid for them, they damned well better be! Trust me, I did not lease them! "
Peace and love, Goldwing
Reply:No, I don't have false teeth. Yes, you're in the right section here with your friendly neighborhood group of 'seniors'. Tell those party poopers to take that hot water and make some tea and to get over it. lol
Reply:Have my own thank-you for asking. Let's not get into hairdos though cause I can't afford store bought.
Reply:Wondered that myself.......just figure not many "others" would face this problem if they weren't seniors....barring accidents and sports.
Half mine...half paid for that are mine.
Reply:Actually, I don't think you will be in hot water. I do have a false tooth on top in front. When I was in middle school I was at State in softball and the first night we got there, I was wearing my cheerleading shoes and the laces were long and I tripped on them and knocked my tooth out. I was also wearing braces at the time, so those also were bent up into my gums. I know the hospital kept harrassing my parents for payments. So the next day my mom came to get me and I missed out on going to State. But then someone else got hurt two days later.
At the hospital, they tried to shove my tooth back in my mouth but it wouldn't stay. It fell out later that night. And it really hurt when the dr. did it.
So that's my story.
Reply:Should imagine it'll be the British respondents who don't have all their own teeth as we are renowned for having terrible problems with our dental service.....and to prove my point....Tc is currently struggling to cope with a top partial denture and I've got a full denture at the top and a partial denture at the bottom. I've only got 6 of my own original teeth left, good grief! As for whether this is the sort of question that should go on Seniors is entirely up to you....if you want to ask it...and that goes for any other question. We're all getting nervous about what we can and can't ask or answer these days but we'll all keep this section going coz it's a blooming good section to come into.
Reply:bad teeth here, so I've had 'falsies' since I was thirty.... now, I have teeth that are almost THAT old!.... I'm trying to get new ones, but I gotta tell ya, it's not easy to get GOOD ones these days!.... if you find a good dentist to do them you've got a winner!...
Reply:I am proud to say I have my own teeth, a full set , must remember to put them soaking later.
Yeah I know, I will be in HOT water by some....couldn't resist.......
Do you have false teeth or is this for the health(dental) section?
The question is in the right place, if you're are truly interested in the number of 'seniors' who have their own teeth, if it is idle curiosity,, GOOD, it shows your mind is active .. if you are wanting to be mischievous then perhaps you could have re-phrased the question .. as for being in hot water .. I doubt whether any of us, 'serious seniors', would belittle or deride the questioning of younger minds .. and in answer to your question at 66 I am proud to say I have all my own teeth and only one filling
Reply:I have my own teeth and it will burn if you get in hot water. Be very careful!! tee hee
Reply:All my teeth are my own, thanks.
Reply:No but I have a boil on my foot, wanna hear about it? heeee ;0)
Reply:I own them all.
Reply:hahahahahaha, How do you pay a compliment to a woman from Arkansas?
Drum roll please...............
I know I'm gonna get in so much trouble.......................
.........................................
Reply:To the divil wit' dem trolls. My teeth are falling out. Missing two lower, no molars on the left upper, only one lower left. Right molars are still there with one where the filling fell out two years ago. Upper left beaver tooth as a hole in it. And upper right fang has a cavity forming. Can't get Medicare until February. But I still kiss good!!!!
Reply:Hey! Put your question whereever you want it...I ain't mad! lol
and no ...don't have them yet! Trying to hang on to the real ones I have :-)
Reply:Well, lets just put it this way, when I go to bed at night, I'm always guaranteed that I'll see a smile to put me off to sleep!
Reply:Now, now, we must talk about Senior things here, constipation? High blood pressure, dementia, erectile dysfunction, sagging boobage or would you rather have fun and boogie?
Reply:Lilabner, Cheryl %26amp; Wally,, TTTTTTOOOOOO FUNNY.
I still want to know about the toenail fungus, sounds like it's spreading.
Reply:Honey false or not they ae our own as we will have paid for them. This is the place to find more people with experience so you are right on. Many young people and vistims of wrecks and accidents also have them.
So what was it you want to know about false teeth. I heard yo Momma has 'em and hates 'em. Better listen to her before you make any drastic changes sometimes Mother knows best.
Reply:CHERYL...........Soooooooo funny!!!!
I have toofies. My Aunt (my guardian) got drunk and knocked out the front ones when I was 16. (oh so dysfunctional) I left home and bought a partial after getting a cleaning job and later on in life, the wires ate through my other teeth.
Reply:Let's see...at the rate I am having bridges installed, I will qualify within another 6 months! I cannot believe the cost of bridges! By the time you have extraction, then root canals, then temps, then the final bridge...gees! And I only need two more of them before I am finished ...this round! And I am usually asked, "are those your own teeth?" To which I reply, for what I paid for them, they damned well better be! Trust me, I did not lease them! "
Peace and love, Goldwing
Reply:No, I don't have false teeth. Yes, you're in the right section here with your friendly neighborhood group of 'seniors'. Tell those party poopers to take that hot water and make some tea and to get over it. lol
Reply:Have my own thank-you for asking. Let's not get into hairdos though cause I can't afford store bought.
Reply:Wondered that myself.......just figure not many "others" would face this problem if they weren't seniors....barring accidents and sports.
Half mine...half paid for that are mine.
Reply:Actually, I don't think you will be in hot water. I do have a false tooth on top in front. When I was in middle school I was at State in softball and the first night we got there, I was wearing my cheerleading shoes and the laces were long and I tripped on them and knocked my tooth out. I was also wearing braces at the time, so those also were bent up into my gums. I know the hospital kept harrassing my parents for payments. So the next day my mom came to get me and I missed out on going to State. But then someone else got hurt two days later.
At the hospital, they tried to shove my tooth back in my mouth but it wouldn't stay. It fell out later that night. And it really hurt when the dr. did it.
So that's my story.
Reply:Should imagine it'll be the British respondents who don't have all their own teeth as we are renowned for having terrible problems with our dental service.....and to prove my point....Tc is currently struggling to cope with a top partial denture and I've got a full denture at the top and a partial denture at the bottom. I've only got 6 of my own original teeth left, good grief! As for whether this is the sort of question that should go on Seniors is entirely up to you....if you want to ask it...and that goes for any other question. We're all getting nervous about what we can and can't ask or answer these days but we'll all keep this section going coz it's a blooming good section to come into.
Reply:bad teeth here, so I've had 'falsies' since I was thirty.... now, I have teeth that are almost THAT old!.... I'm trying to get new ones, but I gotta tell ya, it's not easy to get GOOD ones these days!.... if you find a good dentist to do them you've got a winner!...
Reply:I am proud to say I have my own teeth, a full set , must remember to put them soaking later.
If I itemize my tax return, can I claim my health/dental insurance premiums?
Yes as long as they were not deducted from your paycheck on a pre-tax basis. But only medical expenses exceeding 7.5% of your adjusted gross income get deducted on Schedule A.
Can my employer drop my family from our primary health / dental insurance while i'm on workers comp.?
I have been on comp since october 04 and we just got dropped from our primary insurance through the company i worked for. I am still empolyed there although i am unable to work anymore. I live in PA.
Can my employer drop my family from our primary health / dental insurance while i'm on workers comp.?
I suggest that you post this question again in a different section.
Try Business %26amp; Finance %26gt; Insurance and you may get an informed answer.
I will hazard a guess, although I am a dentist and not a lawyer.
Although you are on Worker's Comp, I am not sure that this means you are still employed. You will have to check into this.
If you are still employed, there may still be a clause that states you can have COBRA coverage for up to a certain length of time. This length of time would depend on the conditions surrounding your end of employment and possibly your end of active employment.
If you were fired with good cause, for instance, (which you were NOT) COBRA would not be available to you at all.
If you were laid off for company reasons (workforce reduction, seasonal, etc.) you might be eligible for some length of coverage, such as 12-18 months.
If you were disabled, which is a circumstance that is beyond anyone's control, you might be eligible for up to 36 months.
I have never seen COBRA benefits allowed for more than 36 months.
I am suggesting that you have run out of COBRA benefits because you are no longer int he active workforce. This would be something to include as part of your question on the Insurance section of Yahoo! Answers.
Can my employer drop my family from our primary health / dental insurance while i'm on workers comp.?
I suggest that you post this question again in a different section.
Try Business %26amp; Finance %26gt; Insurance and you may get an informed answer.
I will hazard a guess, although I am a dentist and not a lawyer.
Although you are on Worker's Comp, I am not sure that this means you are still employed. You will have to check into this.
If you are still employed, there may still be a clause that states you can have COBRA coverage for up to a certain length of time. This length of time would depend on the conditions surrounding your end of employment and possibly your end of active employment.
If you were fired with good cause, for instance, (which you were NOT) COBRA would not be available to you at all.
If you were laid off for company reasons (workforce reduction, seasonal, etc.) you might be eligible for some length of coverage, such as 12-18 months.
If you were disabled, which is a circumstance that is beyond anyone's control, you might be eligible for up to 36 months.
I have never seen COBRA benefits allowed for more than 36 months.
I am suggesting that you have run out of COBRA benefits because you are no longer int he active workforce. This would be something to include as part of your question on the Insurance section of Yahoo! Answers.
What's the best way to find competitive health/dental insurance for my family?
My employer offered coverage is terrible so I am looking for ways to make sure I have been offered the best coverage.
What's the best way to find competitive health/dental insurance for my family?
you can find out about various insurance companies from your friends... once you have the information about the insurance companies.. then you can call their customer service and get all the information about the insurance and coverage.
If you are from USA i can give you few insurance companies names which i know to be good.
1. Aetna Insurance
2. Kaiser Permenente
3. Blue cross
You can also google..
Reply:I don't know if this will be the most affordable way, but I have gone to ehealthinsurance.com to compare rates. Granted, not every carrier is on there, so you may wish to shop at some of the larger insurance companies, like Blue Cross/Blue Shield if they're in your area.
Reply:If your employer is offering group dental, that will be a much better deal than individual insurance.
Individual dental insurance is rarely a good value. Since your family IS the risk factor, and not a large pool of people, you will ALWAYS pay out more than you pay in.
Have you looked into dental schools in your area? Our family receives their dental care at the UT Dental School in Houston. For basic care, the costs are significantly cheaper - about 1/4 to 1/3 of what is charged by a doctor in private practice. If we have complications and require specialized care, the cost is still 1/2 of what is charged in private practice. Same for orthodontia.
If you still want to look into private individual plans, I provide links to providers here: http://www.health-insurance-low-cost.net...
What's the best way to find competitive health/dental insurance for my family?
you can find out about various insurance companies from your friends... once you have the information about the insurance companies.. then you can call their customer service and get all the information about the insurance and coverage.
If you are from USA i can give you few insurance companies names which i know to be good.
1. Aetna Insurance
2. Kaiser Permenente
3. Blue cross
You can also google..
Reply:I don't know if this will be the most affordable way, but I have gone to ehealthinsurance.com to compare rates. Granted, not every carrier is on there, so you may wish to shop at some of the larger insurance companies, like Blue Cross/Blue Shield if they're in your area.
Reply:If your employer is offering group dental, that will be a much better deal than individual insurance.
Individual dental insurance is rarely a good value. Since your family IS the risk factor, and not a large pool of people, you will ALWAYS pay out more than you pay in.
Have you looked into dental schools in your area? Our family receives their dental care at the UT Dental School in Houston. For basic care, the costs are significantly cheaper - about 1/4 to 1/3 of what is charged by a doctor in private practice. If we have complications and require specialized care, the cost is still 1/2 of what is charged in private practice. Same for orthodontia.
If you still want to look into private individual plans, I provide links to providers here: http://www.health-insurance-low-cost.net...
What is a good and affordable selection of health/dental insurance?
I suggest speaking with an independent health insurance broker. A broker works with several health insurance companies and can find the best plan, company, rates and coverage for you. To find a qualified health insurance broker, log on to a website like http://www.healthinsurancewiz.com and fill out a form requesting a free quote. Your information will be sent to a broker in your area who will contact you. There is no obligation, so give it a try!
What is a good and affordable selection of health/dental insurance?
None, they are all rip-offs!!!
Reply:Do you work? Check your HR department's benefits program and see what services you offer. Depending on what you need to get done (if you need it for routine services, or if you need major work done), there are affordable options to do. I know I had to get a lot of work done so I chose that plan (100% routine appointments and procedures, 85% basic services and 60% major services). Talk it out with your HR department. Otherwise, I have no idea how plans outside of work insurance operate.
Reply:Check out Ameriplan.Up to 80% coverage
on all dentistry
only $19.95 for dental,vision,chiropractic,and prescription
You can call or sign up on the site
Reply:The monthly premiums may be affordable, but there are out of the pocket costs too. So, i say Delta dental is the best dental plan, but for health it is a lot more expensive.
What is a good and affordable selection of health/dental insurance?
None, they are all rip-offs!!!
Reply:Do you work? Check your HR department's benefits program and see what services you offer. Depending on what you need to get done (if you need it for routine services, or if you need major work done), there are affordable options to do. I know I had to get a lot of work done so I chose that plan (100% routine appointments and procedures, 85% basic services and 60% major services). Talk it out with your HR department. Otherwise, I have no idea how plans outside of work insurance operate.
Reply:Check out Ameriplan.Up to 80% coverage
on all dentistry
only $19.95 for dental,vision,chiropractic,and prescription
You can call or sign up on the site
Reply:The monthly premiums may be affordable, but there are out of the pocket costs too. So, i say Delta dental is the best dental plan, but for health it is a lot more expensive.
At what age should a person purchase Health/Dental Insurance?
I am a college educated professional who works within my very own corporation. As fabulous as that sounds It is pretty much ran by myself and one other member. I am young. In my early twenties and am trying to manage my life properly. I own real estate so I even have a will set up.....I do try to cut back on extra expenses whenver possible.....although I do have a passion for fashion.........now with all this un-needed information............what do you think a proper age would be to set up insurance for myself? I am unmarried....with no children. Do not plan on having any either. I do have minor problems such as problems in my lower back, knee, occassional cavities etc. Should I sign up? is this a waste of my money??????
ALSO:
If I did have any medical problems..........that were costly......IE: 100,000.00----------IF i HHHHHHHHHHHAD TO...I could have it covered..........................
I believe they say an ounce of prevention is worth a pound of cure... Please Help :)
At what age should a person purchase Health/Dental Insurance?
the best time for one to obtain health insurance is when you are young and have good health. it will be easy to get approved, the bills for the insurance is low... i would keep the insurance and maintain it.. once a person gets older and less healthy, the cost goes sky high and has limitations. i would also get life insurance when the bill is low. you will be glad to have it when you are older 50 plus.
Reply:My advice to you would be to open a group health insurance at this point. Since you are young, it would allow you to build good experience within the group prior to hiring some unhealthy individuals that would be bound to drive up your rate.
Group insurance would also be more comprehensive then the Individual market and probably more cost-effective in the long run. Also, will be another business write off.
Reply:You need the health now. Hey, you needed it when you were born. It's a GOOD idea to keep health your whole life.
Regarding the dental, I have yet to see a private plan that's worth the money - ie, where you can get out more than you pay in. There are too many deductibles, copays and limitations to make it worthwhile.
ALSO:
If I did have any medical problems..........that were costly......IE: 100,000.00----------IF i HHHHHHHHHHHAD TO...I could have it covered..........................
I believe they say an ounce of prevention is worth a pound of cure... Please Help :)
At what age should a person purchase Health/Dental Insurance?
the best time for one to obtain health insurance is when you are young and have good health. it will be easy to get approved, the bills for the insurance is low... i would keep the insurance and maintain it.. once a person gets older and less healthy, the cost goes sky high and has limitations. i would also get life insurance when the bill is low. you will be glad to have it when you are older 50 plus.
Reply:My advice to you would be to open a group health insurance at this point. Since you are young, it would allow you to build good experience within the group prior to hiring some unhealthy individuals that would be bound to drive up your rate.
Group insurance would also be more comprehensive then the Individual market and probably more cost-effective in the long run. Also, will be another business write off.
Reply:You need the health now. Hey, you needed it when you were born. It's a GOOD idea to keep health your whole life.
Regarding the dental, I have yet to see a private plan that's worth the money - ie, where you can get out more than you pay in. There are too many deductibles, copays and limitations to make it worthwhile.
What is the best, low cost health/dental insurance for a college student?
low cost won't be the best it seems, but check yourself
What is the best, low cost health/dental insurance for a college student?
The insurance through your parents or through your school. Even if you have to pay for it, it would still be cheaper than going out on your own to get it.
Reply:Delta Dental... Go to www.deltadental.com and check out the site... call to get more information or call 1800-448-3815 651-406-5900 thast minnesota delta dental but they can tranfer you to wher eyou live k
Reply:Often your college will offer health plans have you checked with them? Also a lot of times your parents health plans will be able to cover you while you are still in college as long as you are in college. You could also look into getting a job with benefits....
Other than that I personally recommend blue cross/blue shield
Reply:brush and floss, don't eat too much sugar
get checked once or twice a year
get fillings if you need em
Reply:You can get a great plan here: http://www.everyonebenefits.com/LMota
Reply:In Illinois (and other states where available) I recommend Unicare Sound (available at www.thepolicyconnection - click on the Sound icon to run quotes, examine plan benefits and apply on-line).
Plan rates cost between $60 and $114 per month. So for as little as $720 per year, you have stability and coverage.
Here's my take on insurance for college students. University insurance - you walk off campus and you no longer qualify for college or your parent's insurance. If you are tested, diagnosed or treated with a condition while on school or parent's insurance, you now have a pre-existing condition. That could categorize you for a rate-up, exclusion rider, or worse uninsurable after graduation when you try to apply on your own, and you could be stuck paying out of pocket for your medical bills.
If you land a job and get on company insurance after college you're fine. But these days it seems landing the dream job comes after much job hunting and some transitioning.
I think it's best to cover yourself independently while attending college so you have continued coverage and won't get kicked off when you graduate. After all, graduates have worked hard. We should celebrate and treat them nice!
Reply:If you can stay on your parent's policy, that is the best.
If not, go to your school - almost every school offers a decent joint plan for full time students.
What is the best, low cost health/dental insurance for a college student?
The insurance through your parents or through your school. Even if you have to pay for it, it would still be cheaper than going out on your own to get it.
Reply:Delta Dental... Go to www.deltadental.com and check out the site... call to get more information or call 1800-448-3815 651-406-5900 thast minnesota delta dental but they can tranfer you to wher eyou live k
Reply:Often your college will offer health plans have you checked with them? Also a lot of times your parents health plans will be able to cover you while you are still in college as long as you are in college. You could also look into getting a job with benefits....
Other than that I personally recommend blue cross/blue shield
Reply:brush and floss, don't eat too much sugar
get checked once or twice a year
get fillings if you need em
Reply:You can get a great plan here: http://www.everyonebenefits.com/LMota
Reply:In Illinois (and other states where available) I recommend Unicare Sound (available at www.thepolicyconnection - click on the Sound icon to run quotes, examine plan benefits and apply on-line).
Plan rates cost between $60 and $114 per month. So for as little as $720 per year, you have stability and coverage.
Here's my take on insurance for college students. University insurance - you walk off campus and you no longer qualify for college or your parent's insurance. If you are tested, diagnosed or treated with a condition while on school or parent's insurance, you now have a pre-existing condition. That could categorize you for a rate-up, exclusion rider, or worse uninsurable after graduation when you try to apply on your own, and you could be stuck paying out of pocket for your medical bills.
If you land a job and get on company insurance after college you're fine. But these days it seems landing the dream job comes after much job hunting and some transitioning.
I think it's best to cover yourself independently while attending college so you have continued coverage and won't get kicked off when you graduate. After all, graduates have worked hard. We should celebrate and treat them nice!
Reply:If you can stay on your parent's policy, that is the best.
If not, go to your school - almost every school offers a decent joint plan for full time students.
Is there any kind of health/dental insurance for low income people in CA?
I am employed full time, but have no benefits offered at my job. I am having some issues with a couple teeth, and have not been able to go to the doc. for regular check ups and such. I'm in my 20s, so I'm not sure if I qualify for anything. Thanks for any advice.
Is there any kind of health/dental insurance for low income people in CA?
http://www.dss.cahwnet.gov/cdssweb/FindS...
Reply:I'm in the same situation as you. I don't have insurance, I can't go to any doctors. But with the dentist, my mom just ask the dentist if he could give us discounts or let us pay in installments. Maybe you could ask your dentist for any help.
Reply:Sounds like you need an individual plan that is affordable
and has no waiting periods so you can visit a dentist right away.
The best kept secret in California for dental is
the eHealthPlus membership. Don't worry, you will qualify.
Search for dentists near you by zip code.
Reply:You may qualify for Medi-Cal. If not, then an individual policy is definitely the way to go.
Is there any kind of health/dental insurance for low income people in CA?
http://www.dss.cahwnet.gov/cdssweb/FindS...
Reply:I'm in the same situation as you. I don't have insurance, I can't go to any doctors. But with the dentist, my mom just ask the dentist if he could give us discounts or let us pay in installments. Maybe you could ask your dentist for any help.
Reply:Sounds like you need an individual plan that is affordable
and has no waiting periods so you can visit a dentist right away.
The best kept secret in California for dental is
the eHealthPlus membership. Don't worry, you will qualify.
Search for dentists near you by zip code.
Reply:You may qualify for Medi-Cal. If not, then an individual policy is definitely the way to go.
What's the best individual health/dental insurance that i can purchase?
well if insurance doesnt work out for you my company offers affordable medical and dental plans. they save people up to 80%!!!!!the dental plan includes orthodontics, teeth whitening and cleanings, caps %26amp; crowns, x-rays, etc and vision (lasik suregery eyeglasses etc, prescription and chiropractic at only $11.95 a month and $19.95 a month for an entire household up to 20 people!! the medical includes EVERYTHING dental vision prescription and chiropractic!! if you want more info email me and ill send you the link, we offer a 30 day money back guarantee AND this month the first month is free you jsut have to pay the membership fee and thats also VERY cheap! i could just at least send you information, but i cant solicit so you would have to email me
carson5021@yahoo.com
What's the best individual health/dental insurance that i can purchase?
My husband and I purchased a plan through Midwest Life of Tennessee for his daughter who is now 18. We pay about $91.00 a month and it's really good coverage. They always pay claims quickly and well. It was cheaper than getting group family coverage through his employer, too. Highly recommend them.
Reply:please try this http://www.anrdoezrs.net/click-1748196-1...
Reply:I can offer you 2 different plans that are very affordable.
1. Dental package with Three other benefits given to you complementary, at no additional cost to you.
2. Complete Medical package that includes everything that you need in a Medical plan.(includes the dental package)
Satisfaction guaranteed.
Please go to this web site and check who the dentists and doctors are in your area. You can do that by going to 'Provider Search". Then type in your zip code to get the names, addresses and the phone numbers of the dentists in your area. You can also get the information about the doctors and other providers.
You do not need to give out any information about yourself or pay anything to check the details.
http://mybenefitsplus.com/wpaul
You may Email me for any clarification
carson5021@yahoo.com
What's the best individual health/dental insurance that i can purchase?
My husband and I purchased a plan through Midwest Life of Tennessee for his daughter who is now 18. We pay about $91.00 a month and it's really good coverage. They always pay claims quickly and well. It was cheaper than getting group family coverage through his employer, too. Highly recommend them.
Reply:please try this http://www.anrdoezrs.net/click-1748196-1...
Reply:I can offer you 2 different plans that are very affordable.
1. Dental package with Three other benefits given to you complementary, at no additional cost to you.
2. Complete Medical package that includes everything that you need in a Medical plan.(includes the dental package)
Satisfaction guaranteed.
Please go to this web site and check who the dentists and doctors are in your area. You can do that by going to 'Provider Search". Then type in your zip code to get the names, addresses and the phone numbers of the dentists in your area. You can also get the information about the doctors and other providers.
You do not need to give out any information about yourself or pay anything to check the details.
http://mybenefitsplus.com/wpaul
You may Email me for any clarification
Anyone who doesn't have health/dental insurance?
What do you do?
Anyone who doesn't have health/dental insurance?
You do it the good old fashioned way. You pay cash.
Reply:There is a clinic here where I live that takes patients based on your income but the minimum payment is $40.00
Reply:Pay cash for regular office visits and pray to God that there's nothing ever seriously wrong with me!!!
Reply:my boss has never offered it, so I pay cash when I am sick
Reply:Get health insurance before you feed yourself.
Dont ever be without it,,,,,,ever....
Dental insurance can be costly and too expensive..pay as you go or go to a dental school and be a guinea pig for free...it works...
Reply:I don't go to the dentist and I only go to the doctor if I really need to.
Reply:Seek help through a community dental program or university, a lot of times through the university, you may just have to pay for the supplies and the will do the work free.
Reply:I have discount benefits through Ameriplan - it did just save me 20 bucks on my prescription
good luck!
Reply:first off it depends on what type of income you have...do you work or are you on ssi...if you have a very low income you can get medicaid...if you make to much money to get help, you can ask the urgent care clinic for the rate for the uninsured..some states have this....but you can go the the social services department in your county and they can also advice you...most places will let you make payments if you talk to them about your problem.....
Reply:If you are in a gap in health insurance, I would recommend that you purchase a temporary or supplemental major medical policy from your local insurance agent. That way you will be covered for anything major that may happen to you (i.e. car accident, accidentally severed hand).
All jokes aside, one should really always have some medical coverage. I realize it can be expensive to purchase a policy even just to cover major expenses, but unexpected medical bills (for the uninsured) are one of the leading causes of bankruptcy.
While it is not as important as feeding yourself, it will be important if you plan to continue to do so if something terrible were to happen.
If your current employer does not offer these benefits, and you have a family, consider another employer. Post Haste.
Just came off of a gap in insurance. I purchased a supplemental policy from my insurance agent (the same one who carries my car insurance). The reason I purchased it is this: Sure, it costs $700 now for six months, but if my wife were to get into a car accident during that time, I'll be glad I have insurance that will pay the other $50,000 in medical bills so I don't have to.
In the meantime, you can pay for regular doctor visits and prescription drugs out-of-pocket. It is expensive, but will be better in the long run to continue getting healthcare.
If you do need to see a doctor about a pressing issue, you may try a teaching hospital or perhaps a free clinic. Some charity providers (like United Way) may offer such services at low or no cost if you qualify.
Reply:I am retired on Medicare but I have no dental insurance. I cannot afford to go to a dentist. I have one molar broken off to the gum and a cavity in another tooth but I'll have to live with it. After having worked hard my whole life, it's not a good feeling. It's hard to not feel some bitterness when people who are in the states illegally get government benefits.
Reply:yes the middle class peoples did not have the proper insurance
Reply:I have a great plan for $11.95 a month that covers up to 80% off of your bill. A visit is only $14. www.mybenefitsplus.com/ewarner
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Anyone who doesn't have health/dental insurance?
You do it the good old fashioned way. You pay cash.
Reply:There is a clinic here where I live that takes patients based on your income but the minimum payment is $40.00
Reply:Pay cash for regular office visits and pray to God that there's nothing ever seriously wrong with me!!!
Reply:my boss has never offered it, so I pay cash when I am sick
Reply:Get health insurance before you feed yourself.
Dont ever be without it,,,,,,ever....
Dental insurance can be costly and too expensive..pay as you go or go to a dental school and be a guinea pig for free...it works...
Reply:I don't go to the dentist and I only go to the doctor if I really need to.
Reply:Seek help through a community dental program or university, a lot of times through the university, you may just have to pay for the supplies and the will do the work free.
Reply:I have discount benefits through Ameriplan - it did just save me 20 bucks on my prescription
good luck!
Reply:first off it depends on what type of income you have...do you work or are you on ssi...if you have a very low income you can get medicaid...if you make to much money to get help, you can ask the urgent care clinic for the rate for the uninsured..some states have this....but you can go the the social services department in your county and they can also advice you...most places will let you make payments if you talk to them about your problem.....
Reply:If you are in a gap in health insurance, I would recommend that you purchase a temporary or supplemental major medical policy from your local insurance agent. That way you will be covered for anything major that may happen to you (i.e. car accident, accidentally severed hand).
All jokes aside, one should really always have some medical coverage. I realize it can be expensive to purchase a policy even just to cover major expenses, but unexpected medical bills (for the uninsured) are one of the leading causes of bankruptcy.
While it is not as important as feeding yourself, it will be important if you plan to continue to do so if something terrible were to happen.
If your current employer does not offer these benefits, and you have a family, consider another employer. Post Haste.
Just came off of a gap in insurance. I purchased a supplemental policy from my insurance agent (the same one who carries my car insurance). The reason I purchased it is this: Sure, it costs $700 now for six months, but if my wife were to get into a car accident during that time, I'll be glad I have insurance that will pay the other $50,000 in medical bills so I don't have to.
In the meantime, you can pay for regular doctor visits and prescription drugs out-of-pocket. It is expensive, but will be better in the long run to continue getting healthcare.
If you do need to see a doctor about a pressing issue, you may try a teaching hospital or perhaps a free clinic. Some charity providers (like United Way) may offer such services at low or no cost if you qualify.
Reply:I am retired on Medicare but I have no dental insurance. I cannot afford to go to a dentist. I have one molar broken off to the gum and a cavity in another tooth but I'll have to live with it. After having worked hard my whole life, it's not a good feeling. It's hard to not feel some bitterness when people who are in the states illegally get government benefits.
Reply:yes the middle class peoples did not have the proper insurance
Reply:I have a great plan for $11.95 a month that covers up to 80% off of your bill. A visit is only $14. www.mybenefitsplus.com/ewarner
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Do legit work from home jobs offer health, dental, and/or vision benfits?
Well most work from home jobs bring you on as an independent contractor, therefore they don't have to offer you benefits, but they may have partnered with a company that can get you those benefits, for a very high price usually. I work with a great company marketing affordable alternatives to traditional healthcare plans. The great thing is I get the benefits for free since I partnered with the company. I'm pretty sure you're aware that there are many that have nothing, and for programs as low as $20/month that cover the entire household, you can see how they earned their 80+% retention rate! If you think this is something you can see yourself doing, get more info at www.dailychecksathome.com. After watching the video or listening to the orientation, you can reach me through Answers.
Hope this helps,
Trhonda
Do legit work from home jobs offer health, dental, and/or vision benfits?
If you are working from home from a real company...it's possible. I can't imagine any job you might find online will offer benefits
Reply:I have a home based business with Latasia jewelry and they offer a health insurance program.
Hope this helps,
Trhonda
Do legit work from home jobs offer health, dental, and/or vision benfits?
If you are working from home from a real company...it's possible. I can't imagine any job you might find online will offer benefits
Reply:I have a home based business with Latasia jewelry and they offer a health insurance program.
I need advice on health/dental/vision benefits for self employment.?
I need websites to view for family benefit packages I don't have a clue where to start. Thanks in advance.
I need advice on health/dental/vision benefits for self employment.?
You will get many responses from sellers of on-line based Ameriplan, a discount plan that depends on health care providers who agree to discount their fees in return for a list of patients.
Be very careful before signing up for any such plan. In order to make overhead, the provider must make up for the discounts some other way - either by raising their fees or adding treatment not covered under the discount.
Speaking from experience in dental practice management, overhead runs 60% to 70% in most offices. To discount 25% means no profit and thus no reason to take on Ameriplan patients. Something has got to give.
There are some organizations which can give you the buying power of a group. Try AARP, or a local association of self-employed people.
Reply:ehealthinsurance.com lets you compare prices.
Reply:JOIN NOW and found out what makes AmeriPLan different...and Better
with AmeriPlan Health $49.95/mo %26amp; Dental Plus $11.95/mo you save up to 80% on medical care, vision, prescription, chiropractic, dental includes all on-going conditions go to my profile for the website
Reply:http://www.google.com/search?q=insurance...
This search yielded several options for you to consider.
Good luck.
I need advice on health/dental/vision benefits for self employment.?
You will get many responses from sellers of on-line based Ameriplan, a discount plan that depends on health care providers who agree to discount their fees in return for a list of patients.
Be very careful before signing up for any such plan. In order to make overhead, the provider must make up for the discounts some other way - either by raising their fees or adding treatment not covered under the discount.
Speaking from experience in dental practice management, overhead runs 60% to 70% in most offices. To discount 25% means no profit and thus no reason to take on Ameriplan patients. Something has got to give.
There are some organizations which can give you the buying power of a group. Try AARP, or a local association of self-employed people.
Reply:ehealthinsurance.com lets you compare prices.
Reply:JOIN NOW and found out what makes AmeriPLan different...and Better
with AmeriPlan Health $49.95/mo %26amp; Dental Plus $11.95/mo you save up to 80% on medical care, vision, prescription, chiropractic, dental includes all on-going conditions go to my profile for the website
Reply:http://www.google.com/search?q=insurance...
This search yielded several options for you to consider.
Good luck.
Does retailer IKEA offer health/dental benefits to its Sale Associates and other retail store personnel?
No, They don't mention anything on their US web site
job openings section.
job openings section.
How do i find health/dental/vision insurance for my children?
i have m.s. and covered.
but my children aren't. they live with my sister in tx. I am unable to take care of them.
How do i find health/dental/vision insurance for my children?
Blue Cross and Blue Shield offers individual policies that you can purchase for the children.
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but my children aren't. they live with my sister in tx. I am unable to take care of them.
How do i find health/dental/vision insurance for my children?
Blue Cross and Blue Shield offers individual policies that you can purchase for the children.
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Are there any health/dental benefits of a 65 year old permanent resident?
try medicare and if in calif...also medi-cal
Are there any health/dental benefits of a 65 year old permanent resident?
Medicare
Reply:Call or go into your local Social Services offices and see if you can apply for Medicare.
Are there any health/dental benefits of a 65 year old permanent resident?
Medicare
Reply:Call or go into your local Social Services offices and see if you can apply for Medicare.
Most economical health,dental,vision insurance for 32 year old female in Pennsylvania?
Marry someone with group insurance from the government or from a Fortune 500 company.
Most economical health,dental,vision insurance for 32 year old female in Pennsylvania?
For $29 a month:
Average of 30 - 40% savings and more on hospital stays %26amp; doctors visits at participating hospitals %26amp; physicians; all pre-existing conditions and elective or cosmetic procedures qualify immediately with no waiting periods.
The Premier Plan will pay up to $2000 for any accidents with only a $100 deductible-no limit to the number of accidents.
Includes a $5000 accidental death %26amp; dismemberment benefit.
Prescription Drug Savings of up to 40% on each prescription.
Savings of up to 60% on all dental procedures at participating dentists.
Savings of up to 65% on eye care needs including, eye exams, glasses and contacts.
Chiropractic coverage at a savings of 30 - 40% at participating chiropractic facilities.
40% savings using our Points of Care program which includes savings on diabetic supplies, hearing aids and durable goods
A FREE CELL PHONE when plan has been active for 90 days.
250 FREE CELL PHONE MINUTES per month.
FREE UNLIMITED LONG DISTANCE at home.
Send me your phone number at for1centonly@yahoo.com %26amp; I'll call you. Make sure you tell me the best time to call!!!
Reply:ehealthisurance.com to shop...... unicare.
Reply:How are you? Here is some info that may help you. It's an affordable dental discount plan for your entire household with savings up to 80% for only $19.95/ month. The package includes dental, vision, prescription, and chiropractic services.
Here is the website. Check it out. http://www.Deliveringonthepromise.com/JR...
All the best.
~Juanita~
Most economical health,dental,vision insurance for 32 year old female in Pennsylvania?
For $29 a month:
Average of 30 - 40% savings and more on hospital stays %26amp; doctors visits at participating hospitals %26amp; physicians; all pre-existing conditions and elective or cosmetic procedures qualify immediately with no waiting periods.
The Premier Plan will pay up to $2000 for any accidents with only a $100 deductible-no limit to the number of accidents.
Includes a $5000 accidental death %26amp; dismemberment benefit.
Prescription Drug Savings of up to 40% on each prescription.
Savings of up to 60% on all dental procedures at participating dentists.
Savings of up to 65% on eye care needs including, eye exams, glasses and contacts.
Chiropractic coverage at a savings of 30 - 40% at participating chiropractic facilities.
40% savings using our Points of Care program which includes savings on diabetic supplies, hearing aids and durable goods
A FREE CELL PHONE when plan has been active for 90 days.
250 FREE CELL PHONE MINUTES per month.
FREE UNLIMITED LONG DISTANCE at home.
Send me your phone number at for1centonly@yahoo.com %26amp; I'll call you. Make sure you tell me the best time to call!!!
Reply:ehealthisurance.com to shop...... unicare.
Reply:How are you? Here is some info that may help you. It's an affordable dental discount plan for your entire household with savings up to 80% for only $19.95/ month. The package includes dental, vision, prescription, and chiropractic services.
Here is the website. Check it out. http://www.Deliveringonthepromise.com/JR...
All the best.
~Juanita~
Why doesn't dental insurance act or be part of health ins? Both health dental and phys is important!?
Medical and dental are separate things. Your employer may provide medical and or dental, but not all do.
There is no law which says there should be dental insurance.
Sometimes by the time you crunch the numbers, you end up paying more $ for some procedures even with dental insurance.
Why doesn't dental insurance act or be part of health ins? Both health dental and phys is important!?
What's wrong with paying for dental care? Insurance is supposed to protect people from catastrophic loss, not pay for ordinary maintenance and cosmetic work.
Reply:We gave up on the health care system!! We use a medical benefits discount plan. Doesn't matter about previous conditions, and it covers dental. It is inexpensive to.
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There is no law which says there should be dental insurance.
Sometimes by the time you crunch the numbers, you end up paying more $ for some procedures even with dental insurance.
Why doesn't dental insurance act or be part of health ins? Both health dental and phys is important!?
What's wrong with paying for dental care? Insurance is supposed to protect people from catastrophic loss, not pay for ordinary maintenance and cosmetic work.
Reply:We gave up on the health care system!! We use a medical benefits discount plan. Doesn't matter about previous conditions, and it covers dental. It is inexpensive to.
fitness shoes
Does health/dental insurance ever cover gum grafting?
I feel a continual discomfort on my teeth and gums due to past gum recession. It hurts -- how could it be considered cosmetic??
Does health/dental insurance ever cover gum grafting?
Also have your dentist research your insurance and have them give the ins. people the specific dental code for the procedure. Once the insurance has that they can tell you exactly what they cover. Also most of the time health insurance covers only dental surgery if it pertains to an accident.
But have the dentist look it up on your dental insurance and they will tell him.
Reply:There may be something of use here.
Reply:YES THIS IS COSMETIC BECAUSE IT IS ENHANCING THE APPEARANCE OF YOUR TEETH. SO YES IT IS NOT COVERED BY INSURANCE.
Does health/dental insurance ever cover gum grafting?
Also have your dentist research your insurance and have them give the ins. people the specific dental code for the procedure. Once the insurance has that they can tell you exactly what they cover. Also most of the time health insurance covers only dental surgery if it pertains to an accident.
But have the dentist look it up on your dental insurance and they will tell him.
Reply:There may be something of use here.
Reply:YES THIS IS COSMETIC BECAUSE IT IS ENHANCING THE APPEARANCE OF YOUR TEETH. SO YES IT IS NOT COVERED BY INSURANCE.
Health/Dental Tax Writeoff question.?
I am over my 7.5% for the year, my question is if I prepay at the dentist and get some of the work done after the year is over, can I write all of it off, or only what I got done in 07'?
Health/Dental Tax Writeoff question.?
Individuals only report on a cash basis. So you can only report the amounts paid in 2007. As far as the pre-payments, you will be fine to include them on the 07 return.
The following is an excerpt from irs.gov at the below link.
You can include only the medical and dental expenses you paid this year, regardless of when the services were provided. (But see Decedent under Whose Medical Expenses Can You Include, later, for an exception.) If you pay medical expenses by check, the day you mail or deliver the check generally is the date of payment. If you use a “pay-by-phone” or “online” account to pay your medical expenses, the date reported on the statement of the financial institution showing when payment was made is the date of payment. If you use a credit card, include medical expenses you charge to your credit card in the year the charge is made, not when you actually pay the amount charged.
Health/Dental Tax Writeoff question.?
Individuals only report on a cash basis. So you can only report the amounts paid in 2007. As far as the pre-payments, you will be fine to include them on the 07 return.
The following is an excerpt from irs.gov at the below link.
You can include only the medical and dental expenses you paid this year, regardless of when the services were provided. (But see Decedent under Whose Medical Expenses Can You Include, later, for an exception.) If you pay medical expenses by check, the day you mail or deliver the check generally is the date of payment. If you use a “pay-by-phone” or “online” account to pay your medical expenses, the date reported on the statement of the financial institution showing when payment was made is the date of payment. If you use a credit card, include medical expenses you charge to your credit card in the year the charge is made, not when you actually pay the amount charged.
Can i claim money back from my brititish european health card for dental treatment i had in the netherlands?
i have the standard european health insurance card, that replaced the E111. and while working in the netherlands i had dental treatment, can i claim anything back on the bill?
Can i claim money back from my brititish european health card for dental treatment i had in the netherlands?
To answer your question... I need to read the small print.
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Can i claim money back from my brititish european health card for dental treatment i had in the netherlands?
To answer your question... I need to read the small print.
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Saturday, November 14, 2009
How does my Canadian health insurance and dental cards work?
I live in Ontario and I got the first permanent job in my life, so I finally have benefits for once, but I don't know how to use my health insurance and dental insurance. Do I have to pay up front then get compensated later, or will the insurance be able to immediately take care of the cost of trips to the dentist or doctor? I'm hoping the cost can be taken care of right away because I can't afford to pay for expensive visits to the dentis up front, even if I will get the money back later. How much does the average dental check up cost in Canada because I haven't been to one since I was a teenager? I need new glasses, so would this be covered under my insurance too? Thanks for any info, preferably from fellow Canadians.
How does my Canadian health insurance and dental cards work?
Its going to depend. My employer and my wife's employer both use the same company. However the policies both companies have are different with regards to payouts.
Trips to the doctor should be covered by OHIP. Most plans will not cover optometrist visits.
For the dentist give your card to their admin, they can figure it out. My policy pays for their portiion of the coverage right away and I only have to pay for the remainder on the spot. My wife's plan she has to pay 100% at the dentist, but the covered amount is direct deposited to her bank in 1-2 business days. Most dentists take credit cards now.
Check your plan formulary for eyeglass coverage. My plan has $0 coverage and my wife's is $200 every two years. (You'd think a tech company would have eyeglass coverage since 80% of the staffing complement is nerds)
The dentist is going to try and get you to do a full set of xrays and possibly two cleanings if you don't regularly floss (there might be a lot of build up). You might be looking at $300 in the Toronto area.
How does my Canadian health insurance and dental cards work?
Its going to depend. My employer and my wife's employer both use the same company. However the policies both companies have are different with regards to payouts.
Trips to the doctor should be covered by OHIP. Most plans will not cover optometrist visits.
For the dentist give your card to their admin, they can figure it out. My policy pays for their portiion of the coverage right away and I only have to pay for the remainder on the spot. My wife's plan she has to pay 100% at the dentist, but the covered amount is direct deposited to her bank in 1-2 business days. Most dentists take credit cards now.
Check your plan formulary for eyeglass coverage. My plan has $0 coverage and my wife's is $200 every two years. (You'd think a tech company would have eyeglass coverage since 80% of the staffing complement is nerds)
The dentist is going to try and get you to do a full set of xrays and possibly two cleanings if you don't regularly floss (there might be a lot of build up). You might be looking at $300 in the Toronto area.
Is it safe to go without health/dental/Rx insurance from now until early Oct? Or is it too much of a gamble?
I just graduated college and my insurance ran out. I am taking a job that starts in September and will give me full health coverage 1 month after I start. I am a young and fairly healthy female, although I do have IBS and some other problems, mostly relating to the digestive system, reproductive system, and my skin. I eat a balanced diet and try to exercise regularly. I have only needed to visit the emergency room 3 times in my entire life.
When responding, please give me an informed answer, not just yes or no. Please also explain your reasoning.
Also, other than Aetna or Cobra, is there any other short-term insurance I can purchase?
Doctor's answers especially welcome.
Thank you!
Is it safe to go without health/dental/Rx insurance from now until early Oct? Or is it too much of a gamble?
If you have car insurance see if you can add coverage for accident-related injury. That way at least you are covered for car accidents which would probably be the most likely thing that would land you in an ER. It is a gamble, but it's one most of us have had to take at some time in our lives.
Also check into coverage offered by your state. Usually there is some kind of public program you can participate in... it may not be the best coverage but it might give you a little peace of mind for the next few months without the usually large premiums associated with COBRA coverage.
Reply:no its not safe you could get in an accident tomorrow and need it my advise, get it as early as possible
Reply:I as well have IBS But I do not seek treatment for it I just deal with it. Also for reproductive issues you can go to planned parenthood or your local health dept for good but inexp. treatment. I am without insurance too. I only go to the doctor for my annual gyn visit. You should be fine with out it for a few months. Have your doctor write you a script for 90 days if you are taking anything currently or ask for samples cuz of no insurance most doctors will give you them cuz of no insurance. You could also look into auto owners companies and buy your own policy they are pretty inexp but that is only if you require treatment for the next few months otherwise I would say dont worry about it you will be fine without it. Hope this was informative enough for you
Reply:It is always a gamble to go without insurance. But I've done it for a longer period of time than you are planning. You might want to price out a short-term policy and see how much it costs. Compare that cost to the cost of an emergency room visit. Evaluate whether you would be able to afford the emergency room visit should you need it or whether you could better afford the short term policy and be covered in an emergency.
When responding, please give me an informed answer, not just yes or no. Please also explain your reasoning.
Also, other than Aetna or Cobra, is there any other short-term insurance I can purchase?
Doctor's answers especially welcome.
Thank you!
Is it safe to go without health/dental/Rx insurance from now until early Oct? Or is it too much of a gamble?
If you have car insurance see if you can add coverage for accident-related injury. That way at least you are covered for car accidents which would probably be the most likely thing that would land you in an ER. It is a gamble, but it's one most of us have had to take at some time in our lives.
Also check into coverage offered by your state. Usually there is some kind of public program you can participate in... it may not be the best coverage but it might give you a little peace of mind for the next few months without the usually large premiums associated with COBRA coverage.
Reply:no its not safe you could get in an accident tomorrow and need it my advise, get it as early as possible
Reply:I as well have IBS But I do not seek treatment for it I just deal with it. Also for reproductive issues you can go to planned parenthood or your local health dept for good but inexp. treatment. I am without insurance too. I only go to the doctor for my annual gyn visit. You should be fine with out it for a few months. Have your doctor write you a script for 90 days if you are taking anything currently or ask for samples cuz of no insurance most doctors will give you them cuz of no insurance. You could also look into auto owners companies and buy your own policy they are pretty inexp but that is only if you require treatment for the next few months otherwise I would say dont worry about it you will be fine without it. Hope this was informative enough for you
Reply:It is always a gamble to go without insurance. But I've done it for a longer period of time than you are planning. You might want to price out a short-term policy and see how much it costs. Compare that cost to the cost of an emergency room visit. Evaluate whether you would be able to afford the emergency room visit should you need it or whether you could better afford the short term policy and be covered in an emergency.
Can I be denied health/dental insurance from my employer because my wife is pregnant? I work in Costa Mesa, CA
I have been an employee for a year and could only enroll during open enrollment. My wife is only being put on my dental. They said after the baby is born then we are cover?
Can I be denied health/dental insurance from my employer because my wife is pregnant? I work in Costa Mesa, CA
I always thought that they could just deny pre existing conditions and whatever they listed as not covering. I never heard of anybody actually being told they couldn't get insurance because of being pregnant. They may be afraid of having to cover any complications because if they don't want to cover pregnant women it should be included in a list of things they don't cover.
See if there is a policy that you can look over stating what and who qualifies and who doesn't.
Reply:Would need a little more info on that one. If you were only able to enroll during open enrollment then no they can not. The reason they maybe saying after the baby she would be covered is because most dental procedures other then a cleaning are usually not preformed during pregnancy unless medically necessary.
Reply:I'm not sure what the law is in California. You should definitely contact your Department of Labor and ask them.
Reply:I'm pretty sure that's illegal. My wife was 2 months pregnant when I started my new job and she was covered right away. I think pregnancy cannot be considered a "pre-existing condition."
But then again, California is more liberal than Texas about those things. It may be different there.
Can I be denied health/dental insurance from my employer because my wife is pregnant? I work in Costa Mesa, CA
I always thought that they could just deny pre existing conditions and whatever they listed as not covering. I never heard of anybody actually being told they couldn't get insurance because of being pregnant. They may be afraid of having to cover any complications because if they don't want to cover pregnant women it should be included in a list of things they don't cover.
See if there is a policy that you can look over stating what and who qualifies and who doesn't.
Reply:Would need a little more info on that one. If you were only able to enroll during open enrollment then no they can not. The reason they maybe saying after the baby she would be covered is because most dental procedures other then a cleaning are usually not preformed during pregnancy unless medically necessary.
Reply:I'm not sure what the law is in California. You should definitely contact your Department of Labor and ask them.
Reply:I'm pretty sure that's illegal. My wife was 2 months pregnant when I started my new job and she was covered right away. I think pregnancy cannot be considered a "pre-existing condition."
But then again, California is more liberal than Texas about those things. It may be different there.
Searching for a legit health/dental discount card?
I'm concerned about not having any health insurance and I'm unable to afford one, I found way to many websites on health discount plans, but I'm not sure which ones are legit or how many health practices out there accept these discount cards. Is there any other alternative?
Searching for a legit health/dental discount card?
Shop around for an inexpensive health insurance, especially one with a medical savings account. With this account, only a little of the premium goes toward the insurance and the rest goes into an interest bearing checking account.
Avoid the ones you see on the internet. Some are not legitimate and can actuall be used to obtain personal information about you and steal your identity. It's happened.
Reply:you lose
Reply:try ameriplanusa.com
dance shoes
Searching for a legit health/dental discount card?
Shop around for an inexpensive health insurance, especially one with a medical savings account. With this account, only a little of the premium goes toward the insurance and the rest goes into an interest bearing checking account.
Avoid the ones you see on the internet. Some are not legitimate and can actuall be used to obtain personal information about you and steal your identity. It's happened.
Reply:you lose
Reply:try ameriplanusa.com
dance shoes
Searching for a legit health/dental discount card?
I'm concerned about not having any health insurance and I'm unable to afford one, I found way to many websites on health discount plans, but I'm not sure which ones are legit or how many health practices out there accept these discount cards. Is there any other alternative?
Searching for a legit health/dental discount card?
Shop around for an inexpensive health insurance, especially one with a medical savings account. With this account, only a little of the premium goes toward the insurance and the rest goes into an interest bearing checking account.
Avoid the ones you see on the internet. Some are not legitimate and can actuall be used to obtain personal information about you and steal your identity. It's happened.
Reply:call the card issuer if they are not willing to give you a list of who takes thier card then don't give them a second thought, they're crooks!
Searching for a legit health/dental discount card?
Shop around for an inexpensive health insurance, especially one with a medical savings account. With this account, only a little of the premium goes toward the insurance and the rest goes into an interest bearing checking account.
Avoid the ones you see on the internet. Some are not legitimate and can actuall be used to obtain personal information about you and steal your identity. It's happened.
Reply:call the card issuer if they are not willing to give you a list of who takes thier card then don't give them a second thought, they're crooks!
Searching for a legit health/dental discount card?
I'm concerned about not having any health insurance and I'm unable to afford one, I found way to many websites on health discount plans, but I'm not sure which ones are legit or how many health practices out there accept these discount cards. Is there any other alternative?
Searching for a legit health/dental discount card?
Shop around for an inexpensive health insurance, especially one with a medical savings account. With this account, only a little of the premium goes toward the insurance and the rest goes into an interest bearing checking account.
Avoid the ones you see on the internet. Some are not legitimate and can actuall be used to obtain personal information about you and steal your identity. It's happened.
Reply:Look into Denticare, American Dental Plan or Ameriplan.
Searching for a legit health/dental discount card?
Shop around for an inexpensive health insurance, especially one with a medical savings account. With this account, only a little of the premium goes toward the insurance and the rest goes into an interest bearing checking account.
Avoid the ones you see on the internet. Some are not legitimate and can actuall be used to obtain personal information about you and steal your identity. It's happened.
Reply:Look into Denticare, American Dental Plan or Ameriplan.
Do You have any ideas for talking to 3-4 year olds about Dental Health?
Take your child to the dentist when you go for a cleaning, have the dentist talk to your child and show him/her how important and not scary things are.
Do You have any ideas for talking to 3-4 year olds about Dental Health?
The Tooth Book! Dr. Seuss. It's fun and covers what they need to know at that age.
Do You have any ideas for talking to 3-4 year olds about Dental Health?
The Tooth Book! Dr. Seuss. It's fun and covers what they need to know at that age.
What is the six kinds of food which are good or bad for dental health?
Soda is the worst for your teeth! Not only is it loaded with sugar, but the carbonation helps the sugar attack your teeth and causes cavities along the gum line....totally awful and leads to loss of teeth. Think about it, if it can eat paint off a car what can it do the enamel on your teeth?
What is the six kinds of food which are good or bad for dental health?
Fruits and veggetables. Milk and other dairy products.
Make sure you eat a red or blue fruit or veggie, a yellow or orange, and a green fruit or veggie every day.
leather boots
What is the six kinds of food which are good or bad for dental health?
Fruits and veggetables. Milk and other dairy products.
Make sure you eat a red or blue fruit or veggie, a yellow or orange, and a green fruit or veggie every day.
leather boots
Is the level of fluoride in the water directly proportional to dental health in different regions?
This is a piece of research I am doing for college and am interested to find out what people know about the issue.
Is the level of fluoride in the water directly proportional to dental health in different regions?
Yes it does- areas with higher levels of fluoride in the water have better levels of dental than those with lower levels of flouride. Some towns add flouride to water for this reason. You should look into other health pro/cons for fluoride.
Also try the following webpages:
http://news.bbc.co.uk/1/hi/health/957372...
http://www.dentalhealth.org.uk/faqs/leaf...
http://www.wateraid.org.uk/documents/flu...
Reply:Heavens no. Flouride doesn't effect dental health, that's just the intellectual sugar coating to get us to accept it as an ingredient in toothpaste and an excluse to put it in our water supply.
Flouride is a drug that makes people more docile.
.
Reply:I doubt it, there are a lot more factors than fluoride to consider, mainly because the worst areas won't even drink tap water they'll have fizzy drinks and alcohol. Also some areas are having fluoride specifically added to the water supply to test its effects so its not a good time to be doing that sort of research, no-one will have collated much information on it, certainly not for public use and doing your own primary research will be impossible so i think you might need to rephrase your topic to something a bit easier.
In a simple answer though "No" fluride in water does not directly link with oral hygiene, you'd be better off looking at the type of restaurants/ pubs supermarkets etc. in a area compared to dental health
clogs
Is the level of fluoride in the water directly proportional to dental health in different regions?
Yes it does- areas with higher levels of fluoride in the water have better levels of dental than those with lower levels of flouride. Some towns add flouride to water for this reason. You should look into other health pro/cons for fluoride.
Also try the following webpages:
http://news.bbc.co.uk/1/hi/health/957372...
http://www.dentalhealth.org.uk/faqs/leaf...
http://www.wateraid.org.uk/documents/flu...
Reply:Heavens no. Flouride doesn't effect dental health, that's just the intellectual sugar coating to get us to accept it as an ingredient in toothpaste and an excluse to put it in our water supply.
Flouride is a drug that makes people more docile.
.
Reply:I doubt it, there are a lot more factors than fluoride to consider, mainly because the worst areas won't even drink tap water they'll have fizzy drinks and alcohol. Also some areas are having fluoride specifically added to the water supply to test its effects so its not a good time to be doing that sort of research, no-one will have collated much information on it, certainly not for public use and doing your own primary research will be impossible so i think you might need to rephrase your topic to something a bit easier.
In a simple answer though "No" fluride in water does not directly link with oral hygiene, you'd be better off looking at the type of restaurants/ pubs supermarkets etc. in a area compared to dental health
clogs
Does the amount of fluoride in our water supply affect our dental health?
This is a piece of research I am doing for college and am interested to find out what people know about the issue.
Does the amount of fluoride in our water supply affect our dental health?
absolutely. but not in a good way.
Fluoride is an essential trace mineral in the human body and is pervasive in about every aspect of our world:
No matter what type we ingest or absorb, it all leads to body burden and can be toxic. Eventhough fluoride is essential for bones and teeth to grow and remain healthy, only topical applications have been shown to fight tooth decay.
There are different kinds of fluoride. The kind in water is a waste product from fertilizer plants, hydrofluorosilic fluoride:
See below for info on the water fluoridation scam and what happens when we get too much fluoride. Here is an excerpt:
“Hydrofluorosilic acid does not occur in nature,” said Connett. “Naturally occurring fluoride has calcium that combines with the fluoride. It’s pure fluoride, not this waste. You wouldn’t use industrial grade to put fluoride into toothpaste. Why should you put it into water? The only answer you get is because it’s cheap,” Connett said.
http://curezone.com/forums/fm.asp?i=8583...
Reply:I think that's why they put flouride in the water.
Reply:there is no fluroride in our water! "yet"
Reply:Wow i was actually wondering this myself! Sorry cant help u out but be interesyed to see what people say!
Reply:some dentists think that people who drink tap water (with fluoride) have stronger teeth than those who drink only bottled water
Reply:Fluoride is definitely beneficial for our teeth and I believe there are now a couple of water companies doing experiments to introduce it into their systems. East Anglia was the first to try a couple of years back I believe. One bad thing about fluoride is that it's bad for fish so I don't know what levels exactly the water authorities are able to introduce.
Reply:Funny you should ask, I was at the dentist today with my 2 year old daughter and he told me because our water has fluoride in it to not use tooth past with fluoride in it because it will cause her adult teeth to come in with white spots all over them (fluorosis) This probably doesn't apply to adults because they don't swallow toothpaste but when I am brushing my daughters teeth she swallows a little, so too much fluoride as a child can cause your adult teeth to have problems.
Reply:Fluoride is a mineral that occurs naturally in many foods and water. Every day, minerals are added to and lost from a tooth's enamel layer through two processes, demineralization and remineralization. Minerals are lost (demineralization) from a tooth's enamel layer when acids - formed from plaque bacteria and sugars in the mouth - attack the enamel. Minerals such as fluoride, calcium and phosphate are redeposited (remineralization) to the enamel layer from the foods and waters consumed. Too much demineralization without enough remineralization to repair the enamel layer leads to tooth decay.
Fluoride helps prevent tooth decay by making the tooth more resistant to acid attacks from plaque bacteria and sugars in the mouth. It also reverses early decay. In children under six years of age, fluoride becomes incorporated into the development of permanent teeth, making it difficult for acids to demineralize the teeth. Fluoride also helps speed remineralization as well as disrupts acid production in already erupted teeth of both children and adults.
It is certainly important for infants and children between the ages of 6 months and 16 years to be exposed to fluoride. These are the timeframes during which the primary and permanent teeth come in. However, adults benefit from fluoride too. New research indicates that topical fluoride - from toothpastes, mouth rinses, and fluoride treatments - are as important in fighting tooth decay as in strengthening developing teeth.
In addition, people with certain conditions may be at increased risk of tooth decay and would therefore benefit from additional fluoride treatment. They include people with:
Reply:Yes, too much can cause flourosis and too little can cause your teeth to be weak. We have flouride added to our tap water, and our dentist still gives my son a flouride treatment at the office. We had to add it to our well water when he was small and the dentist has him brush with flouride toothpaste.
Does the amount of fluoride in our water supply affect our dental health?
absolutely. but not in a good way.
Fluoride is an essential trace mineral in the human body and is pervasive in about every aspect of our world:
No matter what type we ingest or absorb, it all leads to body burden and can be toxic. Eventhough fluoride is essential for bones and teeth to grow and remain healthy, only topical applications have been shown to fight tooth decay.
There are different kinds of fluoride. The kind in water is a waste product from fertilizer plants, hydrofluorosilic fluoride:
See below for info on the water fluoridation scam and what happens when we get too much fluoride. Here is an excerpt:
“Hydrofluorosilic acid does not occur in nature,” said Connett. “Naturally occurring fluoride has calcium that combines with the fluoride. It’s pure fluoride, not this waste. You wouldn’t use industrial grade to put fluoride into toothpaste. Why should you put it into water? The only answer you get is because it’s cheap,” Connett said.
http://curezone.com/forums/fm.asp?i=8583...
Reply:I think that's why they put flouride in the water.
Reply:there is no fluroride in our water! "yet"
Reply:Wow i was actually wondering this myself! Sorry cant help u out but be interesyed to see what people say!
Reply:some dentists think that people who drink tap water (with fluoride) have stronger teeth than those who drink only bottled water
Reply:Fluoride is definitely beneficial for our teeth and I believe there are now a couple of water companies doing experiments to introduce it into their systems. East Anglia was the first to try a couple of years back I believe. One bad thing about fluoride is that it's bad for fish so I don't know what levels exactly the water authorities are able to introduce.
Reply:Funny you should ask, I was at the dentist today with my 2 year old daughter and he told me because our water has fluoride in it to not use tooth past with fluoride in it because it will cause her adult teeth to come in with white spots all over them (fluorosis) This probably doesn't apply to adults because they don't swallow toothpaste but when I am brushing my daughters teeth she swallows a little, so too much fluoride as a child can cause your adult teeth to have problems.
Reply:Fluoride is a mineral that occurs naturally in many foods and water. Every day, minerals are added to and lost from a tooth's enamel layer through two processes, demineralization and remineralization. Minerals are lost (demineralization) from a tooth's enamel layer when acids - formed from plaque bacteria and sugars in the mouth - attack the enamel. Minerals such as fluoride, calcium and phosphate are redeposited (remineralization) to the enamel layer from the foods and waters consumed. Too much demineralization without enough remineralization to repair the enamel layer leads to tooth decay.
Fluoride helps prevent tooth decay by making the tooth more resistant to acid attacks from plaque bacteria and sugars in the mouth. It also reverses early decay. In children under six years of age, fluoride becomes incorporated into the development of permanent teeth, making it difficult for acids to demineralize the teeth. Fluoride also helps speed remineralization as well as disrupts acid production in already erupted teeth of both children and adults.
It is certainly important for infants and children between the ages of 6 months and 16 years to be exposed to fluoride. These are the timeframes during which the primary and permanent teeth come in. However, adults benefit from fluoride too. New research indicates that topical fluoride - from toothpastes, mouth rinses, and fluoride treatments - are as important in fighting tooth decay as in strengthening developing teeth.
In addition, people with certain conditions may be at increased risk of tooth decay and would therefore benefit from additional fluoride treatment. They include people with:
Reply:Yes, too much can cause flourosis and too little can cause your teeth to be weak. We have flouride added to our tap water, and our dentist still gives my son a flouride treatment at the office. We had to add it to our well water when he was small and the dentist has him brush with flouride toothpaste.
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