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Dental insurance help?

Will dental insurance help fixing my bad smile or a discount plan?

  • my job dont have insurance but they pay us what they would pay for it..i make good money now and want to fix my teeth and dont know what the best plan of action to take.and does insurance cover veneers?

  • Answer:

    most insurance have limits on coverage. Mine, blue cross, for example, limits orthodontia (braces) to $1500 per family member, for life. Stuff that is considered cosmetic, like veneers, are GENERALLY not covered. That doesn't mean ALL policies don't cover them. Each one is different and the monthly premium is based on the amount of coverage and the deductible, just like car insurance. Dental and medical Insurance makes sense if you're illness prone, have kids, are old. the generally exclude pre-existing conditions. If you're single, go with the discount plan. If you have kids go with the PPO. HMO's suck and don't mind letting you suffer. As a single guy/gal it's easy to do, but to watch your kids suffer sucks. Good luck. Insurance is a ripoff, but like women, can't live with it, can't live without it.

joe u at Yahoo! Answers Visit the source

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Other answers

Some dental carriers will allow a rider for cosmetic work but I always discourage my clients from purchasing these or the orthodontic riders. They generally double the premium, at least, have a long waiting period (24 months +) and don't really help that much with your actual bill. My advice, stick $50 a month in a savings account and pay cash for your veneers after 24 months.

James E

If you're looking for a good discount plan at an affordable price, you can find one here: http://www.everyonebenefits.com/LMota

talisman

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