Monday, April 27, 2009

Dental plans?

i'm trying to get braces? i'm look for a dental insurance or plan, that will save me money. anyone have ideas i prefer advice frome people who've actually had to get a a plan for dental cost. any of them cover those invisialign braces. thank you.

Dental plans?
Sorry, Spongebob, but dental insurance DOES cover Invisalign the same way they would traditional braces. If the policy has an orthodontic benefit, Invisaling will be covered subject to the same provisions.





Unfortunately, you are asking for an individual plan and you won't find one. So called "dental discount plans" such as Ameriplan and others will not help you. No orthodontist will be willing to write off 25% to 50% of their fees when there are plenty of patients willing to pay full fee. The costs alone will run the dentist over 70% of what they charge - so there is no way to deliver the product for a 50% reduction.





You can look into financing through Care Credit or Dental Fee Plan. Both of those are usually offered through the dental office.





You might save substantial $$$ by seeking Invisalign from a well qualified general dentist, rather than an orthodontist.
Reply:Most companies don't fully pay for braces. Most plans offer a certain amount for orthodontic work. Unfortunately, it's not usually that much that's offered. Ours covers $1,000 per person for life, which isn't much if braces are needed, but better than nothing. (That's with an Aetna Dental Plan.) We used to have Delta Dental, which we liked. I don't remember how much they offered to pay towards orthodontic work.





You'll have to investigate plans. If you are working, you may not have a choice of which dental plan may be offered (if they even offer it.) You can possibly (again, if your work offers it) put money aside (pre-tax) to be used for medical costs not paid by insurance. It's a spending plan that some companies offer. Again, you can look into that.





Hope that helps a little.


Good luck.
Reply:Most are not going to cover invisalign ( I haven't seen any that do.) Some insurances have waiting periods, you will end up paying them what you will have to pay to get the braces most of the time. See about some of the payment plans most ortho offices offer. Many times there is 1-2 years no interest. Pay it off in that time and save yourself some money. Dental insurance is almost a joke right now. Dental supplies have gotten more expensive, thus dental prices have gotten more expensive, but insurances have not raised coverage or maximums.
Reply:well the company i work for offers excellent affordable discount dental plans and they even include vision,prescription and chiropractic for only $11.95 a month. its not an insurance but you can save up to 80% on dental and orthodontic (braces etc) are part of the plan. if you'd like info on this email me





carson5021@yahoo.com





I'd leave you the link but i cant solicit on here





its a great company that has been around for 15 years and is in good standing with the BBB! its definitely worth you looking into!

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