How does dental insurance work?

ok, here I go again, my insurance says : Type I dental expenses 100% no deductible


Type II 90% after deductible *only one deductible applies if Type II and Type II expenses are incurred, Type III 60 % after deductible. It says I have 1500 dlls max.





Now 10 points to whoever answers these questions: What the hell does this mean? I am new at this so please be gentle, what happens when the 1500 dlls are spent, what if I need more dental work and I don't have more insurance money?. Thanks.

How does dental insurance work?
Well, this is worth more than 10 points because it is more complicated than Chinese arithmetic.





Type 1 expenses usually include: cleanings, exams, x-rays, and other diagnostic and preventative services.





Type 2 usually includes: fillings, root canals, extractions, periodontal treatments..





Type 3 usually includes: crowns, bridges, dentures.





So, you visit the dentist twice per year and have cleaning, exam, and x-rays each time. If your dentist's fees fall within the insurance company's "usual and customary (UCR)" rates, you have no out of pocket. The deductible is waived.





Also, in the same year, you need some fillings, a root canal and a crown. Your insurance will pay 90% of their UCR on the fillings and root canal and 60% of the crown AFTER the deductible. But once your insurace pays $1500 for the year, no more will be paid out for ANY service, including cleanings.





If you need more work done, you are paying for it out-of-pocket. Your maximum is individual - that is, if you have others in your family covered, they each have their own $1500 and deductible to pay.





That's a basic explanation, but there are all kinds of clauses and limits in your plan which I don't know about. Dental insurance is complicated stuff and after years of working with it, I still get surprised every now and then.
Reply:I've been a dental assistant for 20 years and I still ask my self the same question all the time. But let me try and answer what I do know.


Most people have like a $25 - 100 deductible which needs to be payed once a year if treatment is done in that year. Most insurances will pay 80 - 90 % on minor work like fillings and extractions, 100% on preventative like exams and cleanings, about 80 % on root canal treatments and about 50 % on mayor like crowns and partl's and dentures. A max of $1500 is pretty good. And it means they will pay up to $1500 a year on their share. If you need more work it will be out of pocket. If you need less work the money will not roll over into the next year.


You could also take your money and put it in a savings account. Calculate. I don't know how much your monthly premium is.


And stay away from candy, sweet drinks especially mountain dew and sports drinks. Brush at least twice a day, floss once and don't eat or drink after your last brushing of the day.

Do all dental assistants also work as a receptionist at the dental office?

I'm about to start school to become a dental assistant and I would really appreciate some advice about the job! How much is the pay , What all do you do,and do you like it? Do the assistants always have to work the desk ? Thanks! You know you're cool!!

Do all dental assistants also work as a receptionist at the dental office?
I went to school for dental assisting, also. In my class, the teacher touched on a bit of everything from front desk and insurance to impressions and sterilization.


Some offices have assistants who only do sterilization. Some have just a few assistants in the office and they all share everything.


In my small office, we all have a specific titile, but can also help where needed. It's always nice to know a little about everything. It helps when patients ask questions and it makes life easier when a co-worker needs a hand or day off.


I LOVE my job. I worked in the back a while and now I'm the receptionist. I love them both and I hope you will too!


Best wishes!





P.S. Pay depends on area and experience.
Reply:I was a nurse in a busy oral surgery office and we ALL wore the hats of others.


I would often be dealing with insurance just after caring for a patient.


Not all offices are the same but if busy they want you to step up..


But the best part is the receptionist may not jump in the seat to assist.





I think it depends if you are certified but you should make $12-$18 an hour.





I liked it, some days were nuts, long hours but over all it was a good job that lead to others.





Good Luck
Reply:idk.
Reply:No, not necessarily. It really depends on the individual dental offices. Smaller offices may require it, where larger ones normally have a full time receptionist to handle appointment scheduling and take payments.
Reply:that depends on the office. My dentist answers her own phone, takes payments and schedules appointments. She has a dental assistant, and they both work the front desk. My dentist even called me earlier today to reschedule an appointment. Maybe it's because she comes from Russia and they do things that way, or maybe because it just saves her money. The point is, when you interview for a position, ask what the job entails. Not only does it show that you have interest in working there (which really helps when job hunting), but it also helps you decide whether or not you want to really work there.
Reply:Answering in order:





*Pay is rubbish


*You do everything and anything mostly assisting the dentist and mixing materials.


*No i dont like it


*you do need to work the desk aswell





P.s I only trained as a dental nurse so i could be a hygienist.

Online dental plans........ do they work?

I want to purchase a dental plan online for my family. We already do have dental insurance through my husbands work but it doesn't cover anything "major". How do these plans work? I've done research but want to know from some of you that have used it. Do you pay the full price of a procedure and then get reimbursed? Thank you for a detailed answers.

Online dental plans........ do they work?
If you have been shopping for dental or medical coverage for you and your family you may have come across a variety of different and sometimes confusing programs. Whether you are searching for medical or dental coverage there are basically two options to choose from including traditional insurance plans and discount health programs.





Medical or dental discount programs are not actually insurance. Discount dental and medical benefits provide their members with discounts on dental and medical treatment through participating network providers. Members pay a fee to participate in exchange for discounts that can range from 10-80% off regular prices. The leading discount dental provider is Ameriplan USA®. The medical and dental providers contract with the program to only charge members based on these discounts. The members benefit from reduced fees and the providers benefit from the exposure to the membership pool. Because this is not an insurance contract program there are no exclusions for pre-existing conditions or limitations on treatment. Ameriplan® offers a low monthly membership fee for discount dental services, no forms to fill out, and a wide network of quality dentists for you to choose from.


AmeriPlan has a Dental Plan for only 19.95 a month and includes up to 20 people in one household - related or not. All you do is pay the discounted price that AmeriPlan has set and you can save up to 80% off. You


You can look at our plans we offer at: www.mybenefitsplus.com/dare2dream


Hope this helps!


dentalplus4u@gmail.com
Reply:I have Careington and it is pretty reasonable. The dentists in the network charge you discounted prices. If a procedure normally costs $100, they may give it you for $25. You must pay for the procedures at the dentist's office upfront. It is not insurance, so you are not reimbursed for the procedure. You are receiving discounts on the dental procedures and must pay the entire discounted price. Careington has a full price list on their website so that you can see upfront the costs of the procedures.
Reply:Yes, I have it.


I would encourage you to visit


http://healthsavings.ourperfectcard.com


I signed up on-line about 3 years ago now and they have saved me thousands of dollars over the years with a very affordable plan. From Root canals, extractions, exams, xrays...etc. All services are included. They had my benefits active in 2 hours and was able to use it the same day. Hope this helps ease the blow of cost. Good Luck.

Credit Card ? I'm needing to get dental work done fast.,I've wayed out all other options ..dental schools,etc.

The only dental school I can go to in Louisiana is booked for two months and then they tell me after the 2 months your 2nd visit could be 3 months after that,so that's not even an option at this point.Next,I have a decent dental plan that will help with the high cost a little bit. But!! I'm still looking at paying at least 2,500-3,000$ with the dental plan.I'm in school not very much moo-lah at all.My dad is willing to cosign for me for whatever.So I looked into care credit but the dentist that accepts the plan they don't accept care credit or vice versa.I need the work done bad and fast.So I'm willing to just pay for it .I need a decent regular loan or credit card maybe to pay for this.Either one will help.Do you guys have any suggestions or know of any loans or particular cards I may be eligible for and if so I'd prefer not to involve my dad,but he's willing to co sign.Sorry so long and remember...I KNOW ABOUT DENTAL SCHOOLS,NOT AN OPTION AND I know about Care credit.Thanks

Credit Card ? I'm needing to get dental work done fast.,I've wayed out all other options ..dental schools,etc.
First off you need to know how much you can afford on a monthly basis. If you have 200 a month to put toward paying this off than that is one thing, a credit card could work fine. Can you upgrade your dental coverage at work? Have you searched for dentists that have in house financing options? Aside from traditional credit cards check the peer to peer lending sights like Prosper.com. Whatever you end up doing it is a good idea to start up a savings account with automatic saving so when unexpected expense occur you are ready for them. Good luck
Reply:If possible go to a non-prophet clinic because they get grants for low income people who cannot afford dental care. If you are eligible then you would only have to pay a flat rate of about $45 a visit (regardless of the procedure). You may have to wait awhile like the school you were talking about but if you cannot afford dental care, then the lower rates will outweigh the wait. But if you are impatient then you will have to pay for it...a simple alloy filling cost anywhere from $75-$175.
Reply:Based upon others judgement will not get the wise decision.However,other's suggestion might be helpful.Here is a good resource for the question.http://creditcard.expertips.info/card-co...

soft baby shoes

Dental work?

how does anyone out there afford dental work?i have no ins, and can not afford insurance

Dental work?
I have AmeriPlan and it's a good program. You can save up to 80 per cent on any kind of dental work. It's a discount program, so it's better than insurance in a sense that you can use it as soon as you receive it. I wish I would have waited and joined this month, because they are doing a special where you can get it for like $3 a month for 3 months.
Reply:Thanks for making me best answer!





Sorry, this web site didnt come out all the way http://www.mybenefitsplus.com/... Report It

Reply:Even WITH insurance it's expensive. I just used all my savings on what I had done. All you can do is ask the dentist if he has financing so you can make payments. Sucks I know.
Reply:IDK. I have upcoming work to be done and I'll be freakin' stretched thin. My insurance covers almost zip.
Reply:i had all my teeth done and have two braces. It cost me a fortune and I'm still bankrupt because of it and I will have to pay for it for the next two years.
Reply:make payments you will probably have to have some money up front
Reply:Barter if you have a service the dentist needs like lawn care
Reply:Dental Schools are a great way to go if you can't afford it

Dental Work?

Is there a way to get dental work done for free or very low cost for someone with limit cash flow and no insurance in NY?

Dental Work?
You might want to check with a college of medicine that has dentistry section. Your worked on by interns who are tops in their class and are supervised. Normally the students are in the top 1 - 3% and are using this experience to get just a better grip on the real world of dentistry.





Check your yellow pages for the name and number under colleges, medical schools etc. I know that in Houston it is UTMB I do not however know what the schools name would be for your area.





Good luck.
Reply:Locate the nearest dental school in your area. They do good work at the lowest price.
Reply:dental school's are always looking for victims, errr....patients.





;D
Reply:A DENTAL SCHOOL IS YOUR LEAST EXPENSIVE OPTION. BY THE WAY, THERE IS NO SUCH THING AS FREE DENTAL WORK.
Reply:If you have a green card, it costs almost nothing but it takes a long time. I have an excellent dental plan, and using it my bill was slashed by 45%, but I got the work done in two weeks and got extractions done and dentures too! Feel free to call me on 832 632 4332 and discuss it. Wesley.

Dental work?

I need dental work because of bad mistakes in the past. But I don't have the money to pay for $3,000 work on my mouth. Where can I go to have this work done for practically free? It makes my self esteem so low.

Dental work?
Chances are that it will be cheaper if you go to a dental college instead of to a regular dentist's office.

discount childrens shoes