Posted by Steve on February 1, 2011, 7:34 pm
I need to get my Wisdom tooth extracted which would cost about 300$
without insurance in Florida(where I reside). I have basic dental
insurance, but that would cover only 30 out of the 300.
I am a male in late twenties, non-tobacco user
I am thinking of getting Prepaid Dental Plan C550 in Florida by Humana
http://www.humanaonedental.com/florida-dental-insurance/dental-plan-C550.aspx
which is about11$/month and a one time fee of 35$. They have no
deductibles or waiting period, but require a lock in period of 1 year.
But, the total expense still would be around 160$ for the year which is
lot less than 270$(which I have to pay with my current insurance) and I
get cleanings free(twice a year) with this plan.
Some details about them are at
http://www.ehealthinsurance.com/ehi/dt/plan-details?planKey2113600:1
1. Is the Prepaid Dental Plan C550 in Florida by Humana a proper choice
or are there better options?
2. Would there be any caveats with this that I need to be aware of?
3. Any other factors I need to be aware of?
Posted by DA on February 1, 2011, 11:28 pm
responding to
http://www.spendwize.com/groups/frugal/Choosing-a-dental-insurance-plan-61907-.htm
DA wrote:
Steve wrote:
> I need to get my Wisdom tooth extracted which would cost about 300$
> without insurance in Florida(where I reside). I have basic dental
> insurance, but that would cover only 30 out of the 300.
> I am a male in late twenties, non-tobacco user
> I am thinking of getting Prepaid Dental Plan C550 in Florida by Humana
> http://www.humanaonedental.com/florida-dental-insurance/dental-plan-C550.aspx
> which is about11$/month and a one time fee of 35$. They have no
> deductibles or waiting period, but require a lock in period of 1 year.
> But, the total expense still would be around 160$ for the year which is
> lot less than 270$(which I have to pay with my current insurance) and I
> get cleanings free(twice a year) with this plan.
> Some details about them are at
> http://www.ehealthinsurance.com/ehi/dt/plan-details?planKey2113600:1
> 1. Is the Prepaid Dental Plan C550 in Florida by Humana a proper choice
> or are there better options?
> 2. Would there be any caveats with this that I need to be aware of?
> 3. Any other factors I need to be aware of?
Choosing dental insurance is a tricky business indeed. I actually don't
have one for the last few months myself and already out more than $1K (for
a family of 4) between moving to another practice, having a couple of
fillings done etc. I've not had anything needed for years (other than
wisdom teeth removal, which I'll talk about later) and thought that I can
pay for cleaning twice a year myself. So far the experiment is not working
out too good.
But getting back to wisdom teeth: have you visited the oral surgeon that
will be removing the teeth (tooth) yet? These guys actually break the
charges down to three different categories - ones paid by dental
insurance, ones paid by general health insurance and ones that you have to
pay out of pocket no matter the insurance.
This is some months in the past for me, so pardon if I get a few details
wrong but if the tooth has already erupted (hope I got the dental speak
right on this) i.e. already visible above your gum, its removal goes on
dental. But if it has not, it goes on general insurance. Also, if it's
impacted (rotten) then its removal goes on both (what was the share - I
can't remember).
They can (or have to - don't know) put anesthesia on general insurance if
I'm not mistaken. But if you want to, like my surgeon said, "take some
edge off" with laughing gas, then you'll have to pay for it yourself
despite the insurance. I have, by the way, and did not regret the $95
spent on it. Needed two teeth removed at the same time and there
definitely was some "edge" to be "taken off".
If you were removing all four at the same time and were put asleep for the
surgery, it is a whole different ball game as far as I know.
So, yeah, definitely visit the surgeon and you'll sit down with some
all-knowing assistant in his office that'll take you though the extent of
the financial damage they're planning to do. But it's definitely *not*
just your dental insurance that's at play here.
Good luck!
-------------------------------------
(__)
(oo)
/-------/ EAT
/ | || MOR
* ||----|| CHIKIN!
~~ ~~
Posted by Steve on February 2, 2011, 9:37 am
On 2/1/2011 11:28 PM, DA wrote:
> responding to
>
http://www.spendwize.com/groups/frugal/Choosing-a-dental-insurance-plan-61907-.htm
> DA wrote:
> Steve wrote:
>> I need to get my Wisdom tooth extracted which would cost about 300$
>> without insurance in Florida(where I reside). I have basic dental
>> insurance, but that would cover only 30 out of the 300.
>> I am a male in late twenties, non-tobacco user
>> I am thinking of getting Prepaid Dental Plan C550 in Florida by Humana
>> http://www.humanaonedental.com/florida-dental-insurance/dental-plan-C550.aspx
>> which is about11$/month and a one time fee of 35$. They have no
>> deductibles or waiting period, but require a lock in period of 1 year.
>> But, the total expense still would be around 160$ for the year which is
>> lot less than 270$(which I have to pay with my current insurance) and I
>> get cleanings free(twice a year) with this plan.
>> Some details about them are at
>> http://www.ehealthinsurance.com/ehi/dt/plan-details?planKey2113600:1
>> 1. Is the Prepaid Dental Plan C550 in Florida by Humana a proper choice
>> or are there better options?
>> 2. Would there be any caveats with this that I need to be aware of?
>> 3. Any other factors I need to be aware of?
> Choosing dental insurance is a tricky business indeed. I actually don't
> have one for the last few months myself and already out more than $1K (for
> a family of 4) between moving to another practice, having a couple of
> fillings done etc. I've not had anything needed for years (other than
> wisdom teeth removal, which I'll talk about later) and thought that I can
> pay for cleaning twice a year myself. So far the experiment is not working
> out too good.
> But getting back to wisdom teeth: have you visited the oral surgeon that
> will be removing the teeth (tooth) yet? These guys actually break the
> charges down to three different categories - ones paid by dental
> insurance, ones paid by general health insurance and ones that you have to
> pay out of pocket no matter the insurance.
I visited a dentist first to see what was the cause of the pain, they
showed me that only one wisdom tooth is pointed sideways and has erupted
from the gums. Since it is slanting, it cannot grow fully.
> This is some months in the past for me, so pardon if I get a few details
> wrong but if the tooth has already erupted (hope I got the dental speak
> right on this) i.e. already visible above your gum, its removal goes on
> dental. But if it has not, it goes on general insurance. Also, if it's
> impacted (rotten) then its removal goes on both (what was the share - I
> can't remember).
> They can (or have to - don't know) put anesthesia on general insurance if
> I'm not mistaken. But if you want to, like my surgeon said, "take some
> edge off" with laughing gas, then you'll have to pay for it yourself
> despite the insurance. I have, by the way, and did not regret the $95
> spent on it. Needed two teeth removed at the same time and there
> definitely was some "edge" to be "taken off".
Who makes the decision what goes on general insurance and what on
dental? I have Capital Health Plan for general and the rep I spoke to
told all would be dental.
> If you were removing all four at the same time and were put asleep for the
> surgery, it is a whole different ball game as far as I know.
> So, yeah, definitely visit the surgeon and you'll sit down with some
> all-knowing assistant in his office that'll take you though the extent of
> the financial damage they're planning to do. But it's definitely *not*
> just your dental insurance that's at play here.
I was out of 92$ visiting the dentist for a consulation. My very limited
dental
insurance would reimburse just 22. Surgeon would take X-rays, do a
consultation which
would run in 200+, then cost of removal + anesthesia.
> Good luck!
Thanks for your suggestions, wishes and time.
Posted by The Real Bev on February 2, 2011, 1:21 pm
On 02/02/11 06:37, Steve wrote:
> On 2/1/2011 11:28 PM, DA wrote:
>> responding to
>>
http://www.spendwize.com/groups/frugal/Choosing-a-dental-insurance-plan-61907-.htm
>> DA wrote:
>> Steve wrote:
>>
>>> I need to get my Wisdom tooth extracted which would cost about 300$
>>> without insurance in Florida(where I reside). I have basic dental
>>> insurance, but that would cover only 30 out of the 300.
>>> I am a male in late twenties, non-tobacco user
>>> I am thinking of getting Prepaid Dental Plan C550 in Florida by Humana
>>>
http://www.humanaonedental.com/florida-dental-insurance/dental-plan-C550.aspx
>>> which is about11$/month and a one time fee of 35$. They have no
>>> deductibles or waiting period, but require a lock in period of 1 year.
>>> But, the total expense still would be around 160$ for the year which is
>>> lot less than 270$(which I have to pay with my current insurance) and I
>>> get cleanings free(twice a year) with this plan.
>>
>>> Some details about them are at
>>> http://www.ehealthinsurance.com/ehi/dt/plan-details?planKey2113600:1
>>
>>> 1. Is the Prepaid Dental Plan C550 in Florida by Humana a proper choice
>>> or are there better options?
>>> 2. Would there be any caveats with this that I need to be aware of?
>>> 3. Any other factors I need to be aware of?
>>
>> Choosing dental insurance is a tricky business indeed. I actually don't
>> have one for the last few months myself and already out more than $1K (for
>> a family of 4) between moving to another practice, having a couple of
>> fillings done etc. I've not had anything needed for years (other than
>> wisdom teeth removal, which I'll talk about later) and thought that I can
>> pay for cleaning twice a year myself. So far the experiment is not working
>> out too good.
>>
>> But getting back to wisdom teeth: have you visited the oral surgeon that
>> will be removing the teeth (tooth) yet? These guys actually break the
>> charges down to three different categories - ones paid by dental
>> insurance, ones paid by general health insurance and ones that you have to
>> pay out of pocket no matter the insurance.
> I visited a dentist first to see what was the cause of the pain, they
> showed me that only one wisdom tooth is pointed sideways and has erupted
> from the gums. Since it is slanting, it cannot grow fully.
>> This is some months in the past for me, so pardon if I get a few details
>> wrong but if the tooth has already erupted (hope I got the dental speak
>> right on this) i.e. already visible above your gum, its removal goes on
>> dental. But if it has not, it goes on general insurance. Also, if it's
>> impacted (rotten) then its removal goes on both (what was the share - I
>> can't remember).
>>
>> They can (or have to - don't know) put anesthesia on general insurance if
>> I'm not mistaken. But if you want to, like my surgeon said, "take some
>> edge off" with laughing gas, then you'll have to pay for it yourself
>> despite the insurance. I have, by the way, and did not regret the $95
>> spent on it. Needed two teeth removed at the same time and there
>> definitely was some "edge" to be "taken off".
> Who makes the decision what goes on general insurance and what on
> dental? I have Capital Health Plan for general and the rep I spoke to
> told all would be dental.
>> If you were removing all four at the same time and were put asleep for the
>> surgery, it is a whole different ball game as far as I know.
>>
>> So, yeah, definitely visit the surgeon and you'll sit down with some
>> all-knowing assistant in his office that'll take you though the extent of
>> the financial damage they're planning to do. But it's definitely *not*
>> just your dental insurance that's at play here.
> I was out of 92$ visiting the dentist for a consulation. My very limited
> dental
> insurance would reimburse just 22. Surgeon would take X-rays, do a
> consultation which
> would run in 200+, then cost of removal + anesthesia.
>> Good luck!
>>
> Thanks for your suggestions, wishes and time.
Are you anywhere near Yuma? Go across the border into Algodones and
you'll find an entire town full of dentists eager to supply you with
bargain dental work at between 10% and 25% of what you'd pay in the US.
I speak for four happy customers who had a LOT of dental work done there.
--
Cheers, Bev
++++++++++++++++++++++++++++++++++++++++++++++
666øF -- the oven temperature for roast beast.
Posted by Steve on February 3, 2011, 8:47 am
On 2/2/2011 1:21 PM, The Real Bev wrote:
> On 02/02/11 06:37, Steve wrote:
>> On 2/1/2011 11:28 PM, DA wrote:
>>> responding to
>>>
http://www.spendwize.com/groups/frugal/Choosing-a-dental-insurance-plan-61907-.htm
>>>
>>> DA wrote:
>>> Steve wrote:
>>>
>>>> I need to get my Wisdom tooth extracted which would cost about 300$
>>>> without insurance in Florida(where I reside). I have basic dental
>>>> insurance, but that would cover only 30 out of the 300.
>>>> I am a male in late twenties, non-tobacco user
>>>> I am thinking of getting Prepaid Dental Plan C550 in Florida by Humana
>>>>
http://www.humanaonedental.com/florida-dental-insurance/dental-plan-C550.aspx
>>>>
>>>> which is about11$/month and a one time fee of 35$. They have no
>>>> deductibles or waiting period, but require a lock in period of 1 year.
>>>> But, the total expense still would be around 160$ for the year which is
>>>> lot less than 270$(which I have to pay with my current insurance) and I
>>>> get cleanings free(twice a year) with this plan.
>>>
>>>> Some details about them are at
>>>> http://www.ehealthinsurance.com/ehi/dt/plan-details?planKey2113600:1
>>>
>>>> 1. Is the Prepaid Dental Plan C550 in Florida by Humana a proper choice
>>>> or are there better options?
>>>> 2. Would there be any caveats with this that I need to be aware of?
>>>> 3. Any other factors I need to be aware of?
>>>
>>> Choosing dental insurance is a tricky business indeed. I actually don't
>>> have one for the last few months myself and already out more than $1K
>>> (for
>>> a family of 4) between moving to another practice, having a couple of
>>> fillings done etc. I've not had anything needed for years (other than
>>> wisdom teeth removal, which I'll talk about later) and thought that I
>>> can
>>> pay for cleaning twice a year myself. So far the experiment is not
>>> working
>>> out too good.
>>>
>>> But getting back to wisdom teeth: have you visited the oral surgeon that
>>> will be removing the teeth (tooth) yet? These guys actually break the
>>> charges down to three different categories - ones paid by dental
>>> insurance, ones paid by general health insurance and ones that you
>>> have to
>>> pay out of pocket no matter the insurance.
>> I visited a dentist first to see what was the cause of the pain, they
>> showed me that only one wisdom tooth is pointed sideways and has erupted
>> from the gums. Since it is slanting, it cannot grow fully.
>>
>>> This is some months in the past for me, so pardon if I get a few details
>>> wrong but if the tooth has already erupted (hope I got the dental speak
>>> right on this) i.e. already visible above your gum, its removal goes on
>>> dental. But if it has not, it goes on general insurance. Also, if it's
>>> impacted (rotten) then its removal goes on both (what was the share - I
>>> can't remember).
>>>
>>> They can (or have to - don't know) put anesthesia on general
>>> insurance if
>>> I'm not mistaken. But if you want to, like my surgeon said, "take some
>>> edge off" with laughing gas, then you'll have to pay for it yourself
>>> despite the insurance. I have, by the way, and did not regret the $95
>>> spent on it. Needed two teeth removed at the same time and there
>>> definitely was some "edge" to be "taken off".
>> Who makes the decision what goes on general insurance and what on
>> dental? I have Capital Health Plan for general and the rep I spoke to
>> told all would be dental.
>>
>>> If you were removing all four at the same time and were put asleep
>>> for the
>>> surgery, it is a whole different ball game as far as I know.
>>>
>>> So, yeah, definitely visit the surgeon and you'll sit down with some
>>> all-knowing assistant in his office that'll take you though the
>>> extent of
>>> the financial damage they're planning to do. But it's definitely *not*
>>> just your dental insurance that's at play here.
>>
>>
>> I was out of 92$ visiting the dentist for a consulation. My very limited
>> dental
>> insurance would reimburse just 22. Surgeon would take X-rays, do a
>> consultation which
>> would run in 200+, then cost of removal + anesthesia.
>>
>>> Good luck!
>>>
>>
>> Thanks for your suggestions, wishes and time.
> Are you anywhere near Yuma? Go across the border into Algodones and
> you'll find an entire town full of dentists eager to supply you with
> bargain dental work at between 10% and 25% of what you'd pay in the US.
> I speak for four happy customers who had a LOT of dental work done there.
No, I am not. I reside in Florida(north Florida actually), but thanks
for the tip.
XML site map
> without insurance in Florida(where I reside). I have basic dental
> insurance, but that would cover only 30 out of the 300.
> I am a male in late twenties, non-tobacco user
> I am thinking of getting Prepaid Dental Plan C550 in Florida by Humana
> http://www.humanaonedental.com/florida-dental-insurance/dental-plan-C550.aspx
> which is about11$/month and a one time fee of 35$. They have no
> deductibles or waiting period, but require a lock in period of 1 year.
> But, the total expense still would be around 160$ for the year which is
> lot less than 270$(which I have to pay with my current insurance) and I
> get cleanings free(twice a year) with this plan.
> Some details about them are at
> http://www.ehealthinsurance.com/ehi/dt/plan-details?planKey2113600:1
> 1. Is the Prepaid Dental Plan C550 in Florida by Humana a proper choice
> or are there better options?
> 2. Would there be any caveats with this that I need to be aware of?
> 3. Any other factors I need to be aware of?