mermaid

Like most insurance plans, you have to prove you don't need it before you can get it!

KyKaren1949

We carry Delta Dental Insurance and although it doesn't pay all that much--anything is better than paying all of it myself. As much dental work as I seem to require in the past 6-8 years, it's been a blessing to have it. We get it through a local insurance agency. It does cover two checks up per year including X-rays, two cleanings, and pays some toward crowns, bridges, etc. Even though it doesn't pay it all, it pays enough to make a nice dent. I don't know if it's available in every state, but I live in KY and it is offered here. This is their website--> http://www.deltadental.com/Public/Pl...outPlanLocator

Kitsie

Yes, I used them too. Now its called GECapitol/Care Credit. (I needed dentures and my ex was going to pay, didn't, so I found out about Care.) Mine was $2000 and I'm paying very slowly!

Mousie

I would heed this suggestion.
I DO have some dental insurance.
I was not aware of a limit, don't know if I have one, but I sure as heck hope not, bc I am in for some major work in a week or two
Also, mine doesn't pay a dime to any kind of a specialist
I have a dental credit card called Care Credit and each "purchase" has a time limit or it automatically takes the beginning purchase total and adds 30% to it.
Nothing you can do then but pay it.
It's pretty scary how fast "puchases" can add up with a card like that, and how soon the expiration dates roll around.
I had a crown that had to be replaced in the front, then a root canal, bc the first infection got into the tooth beside it, then a month later, dh had to have a root canal, then I found out, my root canal "didn't take" ...hence either an implant or a denture coming up.
We have paid and paid on what we have been able, but still have a balance of 1,710.00 to pay by mid May or guess what...30% on all of it.
I will pay off the first purchase if I can manage it, and try to find a way to scoot the other two purchases left, to some other card or a loan to avoid that 30%.
I'm yust goin' nuts here.
So, bottom line...if you get an offer in the mail or find something online, talk to someone knowledgeable about it all before you pick up that phone and bite a hunk off.
I have a feeling, NOW, that the discounts I didn't know about, offered at my dentist's office, would save more than this insurance, but I am locked in to pay premiums for one year.
Each person's situation is different, so I am not saying insurance is all bad, but in hindsight some kind of loan might have been better for me and dh.
The problem is, you don't see all that other emergency dental work coming around the corner.
It's tough...I feel for you. Good luck.

ladydukes

I have several friends who go to Mexico for dental work. They save thounds by doing it.

tenngal

After my husband retired and lost his group dental, we went with Aetna Dental PLAN. It's not insurance, but a plan that dentists sign up with. Our dentist happened to be on it. We pay $175 for 15 months for both of us. It amounts to you paying 1/2 of the charges. Of course, you can always ask to speak to the Office Manager about a 1/2 discount for paying with cash. That is the normal amount the dentist would receive from an insurance plan after the write-off.

caspharm

I used to have dental insurance through my husband's job. It helped cover my implant. However, since we retired and looked at dental insurance, especially since I am no longer covered by his insurance - it is cheaper to pay cash and save for any major issues, mainly because we have healthy teeth. When we had calculated out the costs for premiums vs. what we paid for 2 cleanings each per year, it was cheaper to just pay cash.

DOTTYMO

Talking about dentists. Have you been told you are not to drive after having an injection at the dentists as it may affect your driving? This is a question which was flying round here the other day.

Needles

Dental insurance is a joke. We had it once, till you pay for the premium, say $80 mo. (960 a year) and their maximum payout is $1500, why bother. They paid a big $540 and made $420. You could have paid the $960 to the dentist and he may have given you a credit for not dealing with insurance. If you have a couple teeth that need root canals, those will eat up your max payment for the year and you will be paying full amount for the crowns and any other work you need.

They way it's been explained to me is, dental work is about 90% cosmetic work, and plastic surgery is cosmetic work, insurance pays for none of it.

cathyvv

My daughter used something similar to what you have. The CC company 'changed horses in mid-stream', that is, they changed the terms of her CC. There was nothing she could do about it, because they send you the notice with an effective date and if the cc is not paid off by then, well, too bad for you.

She found a way to pay it off.