I don’t have dental insurance and I will have to go for a root canal. Can somebody suggest options?
I аm іn Pasadena, California. Arе thеrе аnу doctors whο give discounts? Unfortunately, due tο company policies, I саn enroll myself іn thе company provided dental insurance policy οnlу next year .
Healthsavings.ourperfectcard.com I signed up online this year and the savings are substantial. With no deductibles and no limits.
try your local dental school. they are way cheaper and while the work will be done by a student, it will be overseen by a very qualified dentist.
After several root canals, i dont have any of those teeth anymore. most people i know eventually lost the tooth they got a root canal on. my advice, have the tooth pulled. its cheaper, less painful and will be less hassle in the long run. before dental work make sure there is no infection of the tooth getting worked on. novacaine dont take to infected areas and the infection could spread make you very sick. i learned this after a week in the hospital. good luck
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. You can find one here: http://www.yourhealthplanadvisor.com/Dentalschools.html
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 $919. With insurance you pay $460 after paying 18 months of premium (around $800 or $900). Advantage – you can use any dentist with most plans.
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 $919. With discount plans you pay around $827. Be very wary of these plans because most are scams. The people that sell these plans have little or no knowledge about health & 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/west/2006/11/22/74554.htm 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 $919. 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?locationid=20349 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.
Please check out asihealthcare.com
They have the best medical/dental insurance coverage for really cheap and covers the whole family and starts immediately and no restrictions on pre-existing conditions!!!
You can also contact them at 800-929-8344 ref# 268817 when calling. Good Luck.
Try this one – http://healthplans.my-age.net – I personally have their health insurance. As I know they can provide dental coverage with preexisting condition – much cheaper than pay out of pocket to clinic.