Question
I am a college student, and currently covered under my parents' dental plan. I need to get all of my wisdom teeth extracted, and I found out that I possibly also need 3 root canals. My insurance only covers $1500 per year. I don't want to put off this work, but I don't think I can afford this. Would getting my own individual dental insurance plan help? What plans are good, and what is a decent price/yr for an individual plan?
I am a college student, and currently covered under my parents' dental plan. I need to get all of my wisdom teeth extracted, and I found out that I possibly also need 3 root canals. My insurance only covers $1500 per year. I don't want to put off this work, but I don't think I can afford this. Would getting my own individual dental insurance plan help? What plans are good, and what is a decent price/yr for an individual plan?
Answer
You said you don't want to put off the dental work. Most individual plans will either have a waiting period of 12 months before you can get full benefits and then only pay at 50%, or will cover a smaller percentage until you've had the plan for 24 months (for example 10% the first year, 20% the second, and 40% the third). Premiums will run $30 - $50 depending upon your location. You may want to check out dental schools where you can get good service at a reasonable cost. You can find the nearest school here: http://www.yourhealthplanadvisor.com/Dentalschools.html You can also try Care Credit. You'll borrow the money but can pay it back interest free if you pay within the timeframe.
You said you don't want to put off the dental work. Most individual plans will either have a waiting period of 12 months before you can get full benefits and then only pay at 50%, or will cover a smaller percentage until you've had the plan for 24 months (for example 10% the first year, 20% the second, and 40% the third). Premiums will run $30 - $50 depending upon your location. You may want to check out dental schools where you can get good service at a reasonable cost. You can find the nearest school here: http://www.yourhealthplanadvisor.com/Dentalschools.html You can also try Care Credit. You'll borrow the money but can pay it back interest free if you pay within the timeframe.
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