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.