Does anyone know where I can find a discount dental plan??

My employer does not offer dental insurance, and I have a horrible cavity that needs to be folled, and I dont think I can afford to pay for it all, I need some kind of discount plan or card. Can anyone help????

Does anyone know where I can find a discount dental plan??
You have four options with dental.





1. Visit a local dental school. You can get many procedures done for a reduced price if you're willing to let them practice on you and actually they do a very good job.





2. Insurance - Depending upon the policy: cost $30-$60 per month. You pay a $50 deductible first, they have an annual maximum that they'll pay per year of $750 - $1500, they have a waiting period up to 18 months for major work and then you're paying 50% of the charges. Example - average cost for a root canal in my area is $829. With insurance you pay $414 after paying 18 months of premium (around $800 or $900). Advantage - you can use any dentist with most plans. Visit a local independent agent for help finding a plan.





3. Discount plans - Cost - $5-$12 per month. No deductible, no annual maximum and no waiting periods. Also, hardly any dentists will accept the plan and when they do you MIGHT get a 10% discount, which is about the same discount you can get by paying cash. Example - average cost for a root canal in my area is $829. With discount plans you pay around $746. Be very wary of these plans because most are scams. The people that sell these plans have little or no knowledge about health %26amp; dental insurance and do not need a license to sell them. The plans are not regulated by the state so you have no recourse when you have problems. Some states are starting to ban these plans from being sold. Here is an informative link http://www.insurancejournal.com/news/wes... concerning these plans.





4. Fee for Service discount plans - Cost $7-$15 per month. No deductible, no annual maximum and no waiting periods. Many dentist will accept the plan (check providers first before signing up with any plan). When you use the plan there is a set fee that the dentist will charge you. Example - average cost for a root canal in my area is $829. With fee for service plans you pay as little as $404.





I'm an insurance agent and my personal plan is the fee for service plan. I got mine here http://www.dpbrokers.com/default.aspx?lo... specifically the Aetna Dental Access plan but which one you get depends upon your area and comparing the fee schedule to find the best for what you need covered.
Reply:I am don't know about all or majority of dentists, HOWEVER I get one of those plans and my dentist has eccepted ALL the disounts. I've saved over 1000$ on root canals alone [something like almost 50%] on ALL my dental procedures so far. I don't sell it this is from personal ex. Report It

Reply:so to say a dentis who participates 'may give one a 10 percent discount if that' is BS!! Report It

Reply:Sure I can help you.. My family uses Ameriplan. You can save ALOT of money with them and it is on a monthly basis. So if your not happy you can cancel.... Please look at http://www.mybenefitsplus.com/salpino


Your plan starts as soon as you sign up so you can get that tooth taken care of


Have anymore questions just email me


sandya1967@aol.com
Reply:You can compare the costs and benefits of numerous dental discount plans by going to http://www.lowpriceddentalplans.com I have the GE plan, but I don't know which plans are available for your zip code.
Reply:The best place to look for this type of plan is SearchAllDeals. Just start with a search term like "discount dental plan". Here is a direct link to the search result:





http://searchalldeals.com/results.html?c...
Reply:You can get your discount dental plans online here - http://www.a1-dental-insurance.com. You can check out the benefits, discounts.





Choose a dental discount plan that is local to your area, that has a dentist near you who is willing to accept it and that offers substantial discounts on the treatment you are seeking.





Apart from this you have following options.





2. For really cheap treatment but reasonable quality care find a dental school near you, register with them if they will take you as patient and get the work done.





3. If that doesn't work out get yourself to your local county hospital. Most have a dentist attached and you will get good quality care for almost free or for a nominal fee.





4.Option 4 is talking it out with your dentist, ask him what is the basic minimum that he will charge. Tell him you don't have dental insurance and will he take you up with out one. Many dentists prefer treating patients this way as they don't have to deal with dental insurance companies and getting paid after a lot of paper work. You can also plan out treatment over the course of year so you can pay the money over a longer period.





5. Option 5: It is something I discovered recently. Border towns in Mexico are offering dental treatment at less than one fourth what it costs in the States. You can travel to these towns and get treated. I can't give you





6. Option 6: Explore whether you can get treated in another country like India, Romania, Eastern European countries. They have good quality medical centers that treat you at less than 1/10 th of what it costs here. But you have to figure travelling and accomodation charges and also food and distruption at work and home. But you get a free holiday thrown in!





But of course if you need just a cavity to filled than the last 2 options are not cost effective. But you can try them out if you need a large amount of dental care.