Find The Best Dental Plan

Archive for June, 2009

I'm in need of braces and other ortho/protho work, but need help with paying. Besides office payment plans, what options might I have ?

There are affordable dental discount plans. To compare various plans, go to http://www.lowpriceddentalplans.com

My father's company insurance plan will no longer cover me as a dependent. I need to find some sort of dental/health insurance of my own. My status is as follows:

I live in NY
My parents live in NJ
I am self-employed out of MD
My father claims me as a dependent on his taxes
I am presently a part-time student…and will be a full-time student in Fall 2008.

What can I do with this…to make something happen? LORD Z: Your cost benefit analysis is correct, but my mother wants to insure for the 'what ifs…'

Check with your University. They probably have an affordable healthcare plan or if you want to gamble set up your own medical savings account and pay for your bills cash. Most doctors will give you a discount of like 25% for not having to do any paperwork. Actuarialists will tell you that insurance is a joke until you hit 42 when the incidents of claims begin to rise. Up until then they are making money off of you for nothing. Calculate what you spend for drugs and doctor's appointments without insurance versus what you pay for insurance plus co pay and what you learn is that you pay more for insurance than you do for drugs and doctors visits. But then again, if you find out that I am wrong in your case, check out the University or get another job solely for the insurance. Personal insurance is a ripoff. Group insurance is the way to go. The University qualifies as a group.

I am presently on a COBRA plan with my health insurance, which is still ongoing, but my COBRA dental insurance runs out at the end of this month. The company (Blue Cross Blue Shiled) told me that they don't offer dental in itself. I'm presently a student and don't have options through a company. Is it possible to get dental insurance on its own from a provider? I imagine that this is the case, but I was hoping that people could lead me in the right direction!

if you are going to get insurance for yourself (only) you could put the money you would spend on premiums in a savings account and call it dental insurance about 80.00 a month (40.00 on the 1st and 40.00 on the 15th) that is about what you pay to have insurance (unless your job pays for some ) do this for one year ( usually waiting period anyway) then go to the dentist next year and you will have your own insurance and spend it how you want to in the dentist office. and if you don't need work done you can keep building it up for the next year!