Question: I have been trying to help my boyfriend get dental insurance for his son. Since I got my boyfriend on my dental plan, he only needs something for his ten-year-old son. So far, my boyfriend has been paying out of pocket for all his son’s dental needs.

Now, however, his son is in the middle of braces and is being told he needs to have a few teeth pulled. The cost is just getting higher and higher, and he is still trying to figure out what to do. His current dentist does not take HMO, only PPO, which, from what I can tell, will have a waiting period for the dental service his son needs. Can anyone give us some helpful advice?

Reply: I’m sorry to hear about your boyfriend’s situation. Navigating the various dental insurance options available can be challenging, especially regarding specific services such as braces and tooth extractions. He might consider looking into dental discount plans, which can sometimes provide savings on procedures not covered by traditional insurance. The issue may be that with a dental discount plan, you have to go to a dentist who accepts the plan.  

NOTE: Dental insurance companies may exclude work in progress because they generally want to avoid covering pre-existing dental conditions. When you sign up for dental insurance, there may be a waiting period during which the insurance company will not cover the treatment for pre-existing conditions. This waiting period can vary between insurance policies and the specific dental service needed. Suppose you begin treatment for a dental issue before the waiting period ends or before your insurance policy begins. In that case, the insurance company may consider it a work in progress and may not cover the cost of that treatment.

Exclusions can be frustrating for individuals who need immediate dental treatment but must wait until the waiting period ends to receive coverage. However, it is essential to note that insurance companies include waiting periods to protect themselves from individuals who sign up for insurance only when they require immediate treatment for pre-existing conditions. 

Therefore, it is essential to carefully read and understand your dental insurance policy before signing up for it. If you have an existing dental issue, check if there is a waiting period for that particular service, and if so, how long the waiting period is. Additionally, consider contacting the insurance company directly to discuss any exceptions to the waiting period for the dental service your dentist recommends.

It’s important to understand that the exclusions related to pre-existing dental conditions can significantly impact your search for dental insurance for your boyfriend’s son, mainly if he is in braces treatment and requires tooth extraction. As mentioned, dental insurance companies typically exclude work in progress or pre-existing dental conditions and may enforce a waiting period before covering such treatments. This can result in a frustrating situation where your boyfriend’s son may need immediate dental treatment. Still, the insurance company may not cover the cost of that treatment due to pre-existing exclusion. 

It’s crucial to carefully read and understand the dental insurance policy before signing up, especially if you have an existing dental issue. Since your boyfriend’s son is in the middle of braces treatment and requires tooth extraction, it is best to check if there is work in progress or pre-existing exclusions. 

Tips to Save Money on Dental Treatment for Pre-Existing Needs Not Covered by Insurance

If you have pre-existing dental needs that dental insurance does not cover, here are some tips to save money:

1. Shop Around: Dental providers charge different amounts for the same treatment. It’s worth getting quotes from other dentists to see if you can find a more affordable option.

2. Look for Discounts: Some dental providers offer discounts for cash payments or patients without insurance. Check with your dentist to see if they offer any discounts.

3. Consider Dental Financing Options: Some dental providers offer financing options to help you pay for expensive treatments over time. These can be a good option if you need immediate treatment but can’t afford to pay for it all at once.

4. Ask About Payment Plans: Some dentists may be willing to work out a payment plan with you to help you pay for your treatment over time. It never hurts to ask!

5. Take Advantage of Free or Low-cost Dental Clinics: Many communities have free or low-cost dental clinics that provide primary dental care. While they may not be able to provide more complex treatments like braces or extractions, they can help you maintain good oral health and catch problems early.

Remember, taking care of your dental health is essential even if you don’t have insurance coverage for all your needs. By shopping around, looking for discounts, and exploring financing options, you may be able to save money while still getting the care you need.

Despite excluding current dental needs, there are still reasons to consider dental insurance.

While it can be frustrating to discover that your insurance policy does not cover your current dental need, it is still essential to consider purchasing dental insurance. Dental insurance can cover routine check-ups, cleanings, and other preventive care to help you maintain good oral health and prevent future dental problems. 

Additionally, dental insurance can provide coverage for unexpected dental issues that may arise in the future. Dental emergencies, such as a cracked tooth or severe toothache, can be costly without insurance coverage. Having dental insurance can offset these costs and provide peace of mind in case of an unexpected dental issue.

Moreover, having dental insurance can also help you establish a relationship with a dentist who accepts your insurance plan. This can be especially beneficial if you are new to an area or need to find a new dentist. Choosing a dentist who accepts your insurance plan can ensure you receive quality dental care from a trusted provider while maximizing your insurance benefits.

In summary, while dental insurance may not cover your current dental needs, it is still worth considering purchasing it for its many benefits, including coverage for routine check-ups, preventive care, unexpected dental issues, and access to quality dental care from a trusted provider.

Understanding HMO Dental Insurance Plans: A Guide for Those with Pre-existing Dental Conditions and Fixed Incomes

Dental insurance policies can be complex and may include exclusions related to pre-existing dental conditions, which can be a major concern for those who need immediate dental care. However, HMO insurance plans can be an excellent option for those with a fixed income and current dental needs. HMOs typically have fewer exclusions on pre-existing dental conditions than other insurance plans, which can relieve those worried about being refused coverage.

Moreover, HMOs provide a more predictable cost structure, which can help budget dental care expenses. Unlike other insurance plans, HMOs typically have lower premiums and out-of-pocket costs, making them an affordable option for many people.

However, it’s important to note that HMOs require patients to stay within their network of providers, which can be limiting if you have a preferred dentist outside of the network. This means that you may not be able to continue seeing your current dentist if they are not part of the HMO network.

Ultimately, weighing the pros and cons and considering your dental needs and budget is crucial before selecting a dental insurance plan. You should also carefully review the plan’s terms and conditions to understand the coverage and applicable limitations. By doing so, you can make an informed decision that will help you maintain good oral health without breaking the bank.

Navigating Dental Insurance and Saving Money on Treatment for Pre-Existing Needs

In conclusion, navigating dental insurance can be daunting, but with the proper knowledge and preparation, you can save money on treatment for pre-existing needs. Carefully review your insurance policy and understand any exclusions or limitations. Consider shopping for an insurance provider that suits your needs and budget better. Additionally, seeking alternative treatment options, such as dental schools or discount programs, can also help save you money. Remember to prioritize your oral health and not let financial concerns prevent you from getting the care you need. By taking these steps, you can make the most of your dental insurance coverage and ensure you receive the treatment you need at a price you can afford.

Find the Right Dental Insurance Plan for You and Your Family with DentalInsurancePlus.com

At DentalInsurancePlus.com, we understand that navigating dental insurance options can be daunting. We offer different dental insurance plan types and options to fit your unique needs and budget. Our team of experts is dedicated to helping you find the right plan for you and your loved ones.

Whether you’re looking for individual or family coverage, we have a plan that can work for you. We offer plans with different coverage levels, deductibles, and copays to fit a range of budgets and needs. We also provide options for both HMO and PPO plans, depending on your preferred level of flexibility and access to providers.

If you need help determining which plan is right for you, don’t worry. Our friendly and knowledgeable staff can answer any questions and help you find the best plan for your unique situation. We know that everyone’s dental needs differ, so we offer personalized service to help you make an informed decision.

Call our office at 310-534-3444 Monday through Friday, 8 am to 4 pm, for a free quote on dental insurance or if you have questions about dental insurance and what plan may work for you. We’re here to help you find the coverage you need to keep your teeth and gums healthy and your smile looking great.

My wife just had our son so will be taking time off from work. We also have a  daughter who is four and see the dentist twice a year. In the past we pay cash for our family dental needs.

However my wife teeth and gums started giving her some issues beyond just having twice a year cleaning, she really needs more dental work then we can afford to pay by cash for.  Looking for a low income or affordable dental plan I can get that will help us with the cost.

Reply: On our website we offer lower cost HMO insurance plans in most states as well as dental discount plans.  These two type of dental insurance and plan options help to reduce the cost of your family dental care at very affordable cost to you.  In order to review the plans we have available to you in your state just enter your zip code in the quote box provided.  If you have any questions about the available plans please call our customer services line at 310-534-3444 as they will be happy to assist you with finding the best dental plan for your family dental care needs.

Amalgam fillings are the most thoroughly researched and tested restorative material among all those in use today. Amalgam fillings are durable, highly resistant to wear and they are the lower cost filling option.    Amalgam filling are made by combining elemental mercury, silver, tin, copper and possibly other metallic elements.  Although amalgam filling are still considered to be safe the concerns that was  raised were about the mercury content in amalgams.

However the mercury when combined with the other metals is renders stable and safe for use in fillings.    Since amalgam filling are able to withstand high pressure they become useful for filling in molars where chewing load is higher. Amalgam filling are well tolerated by most people with only rare occurrences of allergic response.  Some people may have short term sensitivity to hot and cold after an amalgam filling as been done.  Course amalgam filling are silver in color which may be okay for back teeth not easily seen but might not be want you would want to have towards the front of your mouth.
Amalgam fillings are useful in baby teeth.  If a child still has baby teeth but needs a filling you may not want to spend the cost for white color fillings, on teeth that will soon come out when your child start to get their adult teeth in.

In the end amalgam filling still have their place and it should be something to consider when having filling done. Talk to your dentist and find out all your filling options then decide what you may feel is best for you and your family  And remember all dental services are less expensive when you have a dental insurance or dental discount plan in place.  So keep us in mind for your dental plans needs.

On DentalInsurancePlus.com we offer a broad range of dental insurance and plans for you to choose from. So you can choose the dental insurance and or plan that best fits your family dental care needs and your budget.

Your family oral health care is very important to maintain as your oral health has direct links to your overall health wellness. Therefore a few ways to maintain you and your family oral health is by having good at home oral health care habits and seeing your dentist regularly.

Studies also show that families that have dental insurance in place are more likely to see their family dentist regularly. In addition dental insurance helps keep your family dental care cost lower and more affordable.

A Periodontist dentist who specializes in diseases of the gums and other structure surrounding the teeth.  If your family dentist thinks you have a disease that could seriously damage your gums, bone or other tissues that support your teeth, she’ll send you to a periodontist for diagnosis and treatment.

Pennsylvania Family PPO Dental Plans:  I am looking for a family dental insurance PPO plan that I can get for my family.  My husband job does not offer dental benefits and with two kid under the age of five I know we are going to have dental care cost.   Can you suggest a good dental insurance plan for us to get.

Family dental discount plans in Florida: Right now money is tight and I am working two jobs neither which offers dental benefits.  I have a family of four and I would like to get some dental benefits for my family.  Off hand getting a dental discount plans seems like a good low cost option.   Is there anything I should know about a dental discount plan first.

Dental discount plans and moving to Texas:   Right now my family and I are living in Washington but we will be moving to Texas in two more months.  My daughter needs to see a dentist before the move since she has a tooth that has been bothering her.  

What I would like to know is can I use your dental plan in Washington and then continue to use it when we move to Texas or do we have cancel the plan and and get a different plan after the move?

Dental Discount plans in Virgina:  Can you tell me more about the different dental discount plan you offer and what would make one plan like the Careington dental plan better then DentaChoice or the others you have listed.  I am not sure how to choose which is the better plan to get.  My first time trying to get dental help.

Right now my parents are on a very fixed income. They do not have dental insurance and can not afford to get a family dental plan that is going to be more then $50.00 a month. My dad is always working to pay the bills so I do not see him much.  Even though he works hard he can not afford $120 or more a month for dental insurance.

I am 17 and do work a part time I can help pay for a low cost dental plan.  My parent may still not go to the dentist but I would like to so I hoping to find a plan that will work for all of us and be very affordable.

My sister does not have dental insurance and her husband job does not offer dental insurance either. So I am trying to help her out a little since she does not have Internet access.  What is the cheapest dental insurance that they could get for the two of them and one child?

They would need dental insurance where their son can start seeing a dentist for his normal dental care.  A course something they could also use too.  Advise please.

Hello, I live in Westchester NY and I have a family of four with no current dental insurance.  I have seen many dental discount plan but I am not sure if you get what you pay for with them since they are so cheap are you really get much of any saving?

I have not seen any affordable dental insurance plans that I will even go beyond cost to review plan details.   What the point if I can not afford it.  Looking for low cost dental insurance plans  that will help me save money in dental services.

I do not know what to do.  I have two small children and live on very little money.  I use to get dental care though the state even though it was not much it did help me with make sure my kids teeth were taken care of.

I have been without dental insurance now for over eight months.  I am worried about my children teeth going bad without dental care but can not afford to go to a general dentist without some help.  Even the dental clinic are getting to be too over crowed and getting in can take forever if you are lucky.  Please can you give me some advise.

Buy NowBuy Dental Insurance from DentalInsuranceKids.com
Get Dental Insurance Quotes Online — Find the Best Dental Plan Now!

My eight year old daughter is looking like she may need to have braces in the future.  My current dental plan will only pay out 200.00 a year for four years.  I guess that is better then nothing but not much better.

Is there any way I can get another dental plan for her so that if we do get her braces I can have better coverages  or I will be able to combine both plans to get better savings off the cost of my daughter braces?

Buy NowBuy Dental Insurance from DentalBenefit.com
Get Dental Insurance Quotes Online — Find the Best Dental Plan Now!

Hello,  I just recently turned 21 years old.  I go to school part time and work full time but my job does not offer dental only medical.  I was on my mother plan but once I turned 21 they are dropping me.

Before I turned 21 I did go to the dentist were I was told I should have a root canal and a crown done on one of my back molars.   So I was looking at your Careington dental discount plan.  However before I sign up for the Careington dental discount plan is there any kind of  bad stuff i should know about it.  I mean do the dentist really give you the discounts as quoted?  I like this plan since it shows my dentist listed but just confirming that it really works.  Thanks.

Buy NowBuy Dental Insurance from OnlineDentalInsurance.com
Get Dental Insurance Quotes Online — Find the Best Dental Plan Now!

My parents are on a fixed income.  We do not have dental insurance right now.  My dad is always working to pay the bills so I do not see him much.  Even though he works hard he can not afford $120 or more a month for dental insurance.

I am seventeen and work a part time job so I think I would be able to pay for my own dental services if my parents could get a low cost full coverage dental insurance plan for our family.   My mom does not use a computer and she does not want to bother my dad over this unless I can find something that sounds workable.  Could use some good advise.