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I understand Ameritas (which I have) and Denali have the best policies.
Their premiums I cannot speak to
They vary by zip code, you can find the rates on the links I provided without entering personal information. Unfortunately my zipcode is the highest priced in the US for dental insurance so I pay more than most people for the coverage, but it's been worth it. After I have the rest of my work done in January I will drop one of the plans. So far both companies have been great. The lady who does the billing in my dentist's office said both companies are very easy to work with.
Regarding Ameritas Versus Spirit Dental, seems Spirit Dental offers more coverage for less costs. except there are only two dentists in our area accepting it.
My employer must be covering the majority of costs for BOTH my husband and I for the Ameritas Advantage Plus. The price difference is UNBELIEVABLE For the Plan, see below. $26.24 per pay period (About $53 a mo) versus $167 a month for the same exact plan!!
I see this as advantageous if a person is trying to "spend down" to a Medicaid Level of eligibility and/or have really severe dental issues.
Regarding Ameritas Versus Spirit Dental, seems Spirit Dental offers more coverage for less costs. except there are only two dentists in our area accepting it.
My employer must be covering the majority of costs for BOTH my husband and I for the Ameritas Advantage Plus. The price difference is UNBELIEVABLE For the Plan, see below. $26.24 per pay period (About $53 a mo) versus $167 a month for the same exact plan!!
I see this as advantageous if a person is trying to "spend down" to a Medicaid Level of eligibility and/or have really severe dental issues.
Wow! I have no idea why Ameritas is so much higher, that's crazy. If your dentist doesn't participate in Spirit or Denali they can call and sign up, my neighbor enrolled in Spirit and her dentist signed up rather than lose her as a patient.
Wow! I have no idea why Ameritas is so much higher, that's crazy. If your dentist doesn't participate in Spirit or Denali they can call and sign up, my neighbor enrolled in Spirit and her dentist signed up rather than lose her as a patient.
Yes if I was paying the price, I wouldn't choose Ameritas
I might suggest to our company to contact our benefits co-ordinator. PJR insurance handles all of our insurance so it's interesting they didn't offer it.
ok thanks. So you're saying at either some point in life, the bones do not grow anymore to accomodate holding these fake teeth?
Just curious because as stated, we both get 2k per year in dental. An additional reason to work as long as I can which realistically, is 70+ yrs old
Thanks again
I am 73 and have avoided having dental work done for the past several years. Finally I decided that I should take advantage of the dental insurance my husband has as a retiree with his plan. They allow 2500 a year and I felt I needed an upper bridge to cover the gap on the sides which show when I smile. I'm not particularly vain, but vain enough. I decided to go to a dental college and, while I like my dentist well enough, I wonder if I made the right choice because they are not experienced, although the cost is less than a regular dentist. And I got more work than I would have anticipated since the school insisted on fixing everything they saw that was wrong before they made an upper partial. In the meantime, it's costing me quite a bit, even with the reduced pricing. But I believe I did the best I could as far as making a decision.
I am 73 and have avoided having dental work done for the past several years. Finally I decided that I should take advantage of the dental insurance my husband has as a retiree with his plan. They allow 2500 a year and I felt I needed an upper bridge to cover the gap on the sides which show when I smile. I'm not particularly vain, but vain enough. I decided to go to a dental college and, while I like my dentist well enough, I wonder if I made the right choice because they are not experienced, although the cost is less than a regular dentist. And I got more work than I would have anticipated since the school insisted on fixing everything they saw that was wrong before they made an upper partial. In the meantime, it's costing me quite a bit, even with the reduced pricing. But I believe I did the best I could as far as making a decision.
I don't know what dental school you're going to, but you can look up their rankings on-line. I went to University of Pennsylvania dental school, rated #10 in the country. It was slow going for sure, but they do have experienced, top-notch professors checking and approving all the work along the way. One time I had to get a certain procedure done three times before the professor approved it, and actually I think he might have actually done it in the end.
And it's probably a good thing that you've had the other work done as well.
For some yrs I had Smilesaver dental plan and it worked good for me for some yrs...then it changed hands and I dropped it. Then I looked at Carrington 500 but never joined as I take care of my own dental health pretty much with what I do NOW. I've had my share of dental work in my 79 yrs and now don't go to dentists.
I know here some go to UCLA dental school for work.
I've majorally cut back on sugars and carbs that I indulged in for most of my life. Very damaging to the teeth.
I don't know what dental school you're going to, but you can look up their rankings on-line. I went to University of Pennsylvania dental school, rated #10 in the country. It was slow going for sure, but they do have experienced, top-notch professors checking and approving all the work along the way. One time I had to get a certain procedure done three times before the professor approved it, and actually I think he might have actually done it in the end.
And it's probably a good thing that you've had the other work done as well.
I actually did not look up any ratings, didn't think there were any. I had to choose between Univ. or Pittsburgh and Morgantown WV because we live closer to WV and I do not like Pittsburgh traffic. After a few calls, I must say that Pittsburgh was much clearer in their explanations to me. HOWEVER, I chose Morgantown (Ruby dental school) because the ride was much easier. I have not been dissatisfied, however there are some things that I was not entirely pleased with. I am glad there were teachers there that checked the work. And offered suggestions to the student. Time will tell, as my off-the-wall brother in law says.
For some yrs I had Smilesaver dental plan and it worked good for me for some yrs...then it changed hands and I dropped it. Then I looked at Carrington 500 but never joined as I take care of my own dental health pretty much with what I do NOW. I've had my share of dental work in my 79 yrs and now don't go to dentists.
I know here some go to UCLA dental school for work.
I've majorally cut back on sugars and carbs that I indulged in for most of my life. Very damaging to the teeth.
I've had my share of dental work. I try to keep my mouth clean. OTOH, I guess I could do better such as rinse after every time I eat. And I was not experiencing problems, although missing some teeth. I was happy that I was not having any shaky teeth of the ones I have left, or pain. But I decided I wanted a partial. So I visited a dentist in my plan. The total was about 10,000 for all the work they said was necessary. Plus they rushed me. That is when I decided to look into the dental schools. Can't say the school was that much cheaper but every bit helps. And yes, they were slow about scheduling, which didn't bother me. In other words, weeks would pass between appts. BUT you remind me of something. I need to make sure the dollar amount will move into next year when the 2500 starts again. I think. So I may refuse the denture until after Jan. :-)
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