...The most common types of dental insurance plans are Preferred provider organizations (PPO) or dental health maintenance organizations (DHMO). Both types are considered managed care. Read full entry
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Dental insurance?
I am getting dental insurance
through work soon, and I have
never had to pay for insurance
til now. So what is considered
Preventive treatment? And what
things would fall into basic
treatments? Also what would be
considered major treatments?
My plan pays for a percantage
of all of these. Also what is
the deductible? I have a $225
deductible and am trying to
figure out what that is.
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Back to the basics -- you need to check with the company the dental insurance is through - that's step #1. Preventative treatments include cleanings, x-rays - things to prevent major problems down the road. Major treatments would also have to be defined by the insurance company - an example would be a root canal, crown, bridge, etc (most of which I'm sure you don't need if you're young and have taken good care of your teeth). A $225 deductible means that the first $225 of any/all treatments (new patient exams, x-rays, cleanings) would have to be paid by YOU -- after you've paid out $225 out of your own pocket then the insurance will kick in a certain percentage! Good luck!! Read carefully between the lines and if it sounds too good to be true - it usually is! |
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Why is the co-pay for dental I compared the co pays on
several reputable dental
insurance companies and it is
very expensive. Many things
are not covered, even with the
best dental insurance. Health
insurance is usually a 10
dollar co pay for primary
physicians and a 35-50 dollar
co pay for specialty
physicians. Is there any
reason why dental insurance co
pay is as expensive as it is?
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Actually, the only time the copays are so low for health insurance is when you're dealing with those high-dollar plans provided by a lot of employers. (At least those are the types of plans that were provided be employers in the past; that's changing significantly because of the cost involved.) Trust me, these are FAR from the "norm." As for dental insurance, the fact is that there are nearly as many organized networks for dental providers as there are for medical providers (where belonging to as many networks as possible is the best way to ensure you keep new clients coming in to your practice.) Dental insurance, by comparison to what you pay for medical coverage (particularly of the variety you mention) is also CHEAP. And I don't know very many people who would pay triple the price for dental insurance so they could get the $10 copay. In the end, it's really that simple. |
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How do I get my dental I have dental insurance
through WellPoint Dental
Services. I needed a dental
procedure and my dentist filed
it and I received an
approval/precertification from
WellPoint in the mail. It said
the insurance would pay $204
of the procedure. I had the
procedure 4/25/2007. I paid my
dentist in full (that's how he
does it) and have been trying
to collect the $204 ever
since. I have called the
insurance co and am always
told it is in process. I have
written 2 letters with a copy
of the precertification to the
address on my card and have
had no response. On 7/18/2997,
a rep said that it had been
misfiled, but it would be sent
to claims immediately and that
all the necessary info was
there. I have received no
response to my letters, no
check. What should I do now??
That procedure was $1000 and I
could really use the $204.
Thanks for any help!
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Write a polite letter of complaint to the Commissioner of Insurance for your state - at your state capital. Copy to your insurance company's Vice President of Health Insurance Claims - or some similar person. The insurance company is required to respond to the commissioner within 30 days. Every day after 30 that they are late, costs them $. You should get a prompt response. But, remember to be polite. You will still have the same insurance company. Most claim adjusters are over worked but real people. |
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