Dental Plans?

[vfem]

All I know is a friend of mine has double insurance, one picks up one half and one another... through her husband's employment and then through her own. Well she got a root canal and a crown... AFTER 2 insurances coverage, her $40 co-pay... she still paid out $540.

Then again, I haven't had insurance since I was pregnant with my daughter, and all I had was medicaid. I haven't had private insurance since I was 12ish?! I don't know!

I hope you find something good... I know I'll be staying away from those strips!

 

[Sonoran Silkies]

I've only read the first page, but what is covered, co-pays, etc. can vary a lot. Most that I have seen cover cleaning a regular exams. Some cover braces and some don't. The plans we've been eligible divide services into routine (cleaning, x-rays, exam and flouride treatment for kids), and I cannot remember the descriptins, but one is something like normal, but not routine services: fillings and similar level of common procedures and the more in-depth one that includes things like root canals and more extensive, less common procedures. Orthodontics are usually addressed separately from any of these.

If you can get group insurance, you will get better options than if you purchase an individual plan. Credit unions, some organizations and other membership groups can offer group plans--it is not just employers. Some medical plans also include dental coverage as an option.

However, if the white strips caused the bonding issues, and there is no warning on the product (and possibly even if there is), the manufacturer should be liable for the damage. Have you seen a dentist who has stated that they are the problem? If so, have you contacted the manufacturer? (Or at least looked at their website or googled the topic). Chances are that if they caused damage to your bonding, they did to others' as well.

Be nice when you raise the issue with the manufacturer--you are not trying to get rich, you merely want your teeth restored to the condition they were in prior to the damage caused by their product.

 

[Sonoran Silkies]

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All dental plans have a co-pay requirement for braces, if covered at all. My insurance co-pay is $1500. Hardly worth it.

If the braces cost $3200, I would certainly consider it worth it. I think ours covers half the cost up to a set limit.

 

[Sonoran Silkies]

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Bonding is not cosmetic if the purppose is dental heealth as compared with changing your teeth surfaces to make them "pretty." You may need a letter from your dentist about this. Some dental procedures can be cosmetic, but not always.

 

[Sonoran Silkies]

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Are you sure it is not your copay that is maxed out? (As in you don't have to pay for anything additional)

 

[Sonoran Silkies]

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When you have two insurance plans, they coordinate insurance coverage. One plan is always primary, others are secondary. Iif you work and your spouse both work and are covered through plans offered at work, the primary plan is from your own employer, the secondary from your spouse's. Some secondary plans do indeed cover what the others would not pay; others are written so that they will not cover you receiving more than the total that they would have paid (in my personal opinion, this is plain WRONG); if your primary coverage pays as much or more than your secondary would have, you are out of luck with the secondary plan. Only if the secondary plan provides MORE coverage than the primary will they pick up some of the costs.

 

[rodriguezpoultry]

I did contact the manufacturer and they are making a "case number" for me as well as sending something for me in the mail. I'm not sure what it is. They said that they may send out a safety recall if it's worthy.

I was very kind when I called two days ago...the product worked great on my real teeth, but on the bonding...not so much.

 

[NateinFL]

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Are you sure it is not your copay that is maxed out? (As in you don't have to pay for anything additional)

Yes, I'm sure. My plan, that I get through Walgreens, pays a maximum of $1,200/yr. I went to an endodontist to have the root canal, it cost more but I just preferred seeing a specialist since it was my first. I also had a few other things done that leaves little for another root canal. OK, so then he and the dentist both agree that my other top back one needs the procedure. For now I'm just waitin, hopefully it can wait till next year!