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Unfortunately most plans cover nothing but cleaning in the first 3-6 months and all plans have a max they'll pay for the entire year (cleaning, fillings, major work). Look very carefully at the policy conditions. Other "plans" are really discounted fees by dentists within a network. That can work if you find a good one- maybe someone just starting out and trying to build up a base of patients.
You'll need to decide whether your money is better spent on insurance or on saving up for the work.
I'm on my own and I don't intend to spend a lot on dental service. Recently I lost a tooth, now I cannot open my mouth and smile in public.
Any cheap dental insurance out there? A cheap filling or the like would do, nothing fancy... Thanks.
How does a filling work on a tooth that you lost? Just curious.
I have insurance that covers 2 yearly cleanings, and each year I keep it, it covers a higher percentage of crowns/fillings*, etc. I can look up to see which company it is, if you'd like. It's about $50 a month.
* so in 20 years when I have no teeth left, it should cover 100%.
About "filing" and lost a tooth. Sorry I wasn't precise enough. Half of a tooth was lost as a part of a previous filling done years ago, thus, I would guess it's going to be re-filling something.
Dental insurance really doesn't cover much and isn't worth it IMO - plus, if you have a pre-existing condition, it won't be covered. Try to work w/your dentist and see if they will cut you a break on the cost, let you pay it over time, etc.
Most dental insurance is priced around $33 a month (BCBS), and it has a $1500 max. yearly coverage. And there's a deductible yearly. It's paid off for my wife and me, however.
Sounds like you need an implant on that tooth. The oral surgeons doing implants are terribly expensive.
I got an implant put in reasonably, and it was just a simple 6 minute procedure that was easier than getting a filling. But then I had to get a crown ($850).
Generally, I've never considered dental insurance worth the cost, and have not had dental insurance for the nine years I've been retired - until last July when I enrolled with Physicians Mutual. Because of my age, their best plan is $47/mo. which I chose. Just had a feeling there might be issues going forward. So far, because of tooth extraction and a few other things, I've broken even.
I chose PM because one can see any dentist (no networks) and there is NO dollar limit on what they will pay in a year. I'll also be a doing two implants later this year after the anniversary in July. Insurance will pay $501 for each crown, but nothing for implant and abutment.
If you're under 50, your rates will range between $25-$37/mo.
PM will pay for preventive services immediately, repair of that problem tooth you have after three months of coverage, and major work after you've had the policy a year. As a rule, their payment is about 25-40% of the cost of the work. Benefit schedule, here:
Generally, I've never considered dental insurance worth the cost, and have not had dental insurance for the nine years I've been retired - until last July when I enrolled with Physicians Mutual. Because of my age, their best plan is $47/mo. which I chose. Just had a feeling there might be issues going forward. So far, because of tooth extraction and a few other things, I've broken even.
I chose PM because one can see any dentist (no networks) and there is NO dollar limit on what they will pay in a year. I'll also be a doing two implants later this year after the anniversary in July. Insurance will pay $501 for each crown, but nothing for implant and abutment.
If you're under 50, your rates will range between $25-$37/mo.
PM will pay for basic services immediately, repair of that problem tooth you have after three months of coverage, and major work after you've had the policy a year. As a rule, their payment is about 25-40% of the cost of the work. Benefit schedule, here:
Physician's Mutual is a very good company. My experience with them has been excellent - they pay the dentist within days of claim submission.
All that said, if your only real issue is that one tooth, chances are dental insurance won't be worth the money for you at this time.
A question: Are you saying that PM will pay something for your tooth implants? Most dental insurance pays zero for anything involving dental implants. Thanks.
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