My husband has had dental insurance through his work for the past 2 years. It's very expensive and we want to go with a different plan on our own. Of course my gum hurts now! If I go to the dentist this week, how soon can we get rid of what we have now?
It depends on the plan and the procedure. Most often, plans will cover preventative and exams at 100% immediately, basic procedures such as a filling at 80% after a 6 month wait, and major procedures such as a root canal or crown at 50% after a 12 month wait. There will also be a maximum amount they'll cover, usually around $1500 per year and a deductible you'll have to pay. Other plans may not have a waiting period but instead will only cover 10% the first year, 30% the second and 50% the third.
You may want to investigate a dental school, where you can get good service by students who are supervised by a dentist as they're working on you. You can find the nearest school here: http://www.yourhealthplanadvisor.com/Dentalschools... Schools often charge about half of what your local dentist charges.
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It depends on the plan and the procedure. Most often, plans will cover preventative and exams at 100% immediately, basic procedures such as a filling at 80% after a 6 month wait, and major procedures such as a root canal or crown at 50% after a 12 month wait. There will also be a maximum amount they'll cover, usually around $1500 per year and a deductible you'll have to pay. Other plans may not have a waiting period but instead will only cover 10% the first year, 30% the second and 50% the third.
You may want to investigate a dental school, where you can get good service by students who are supervised by a dentist as they're working on you. You can find the nearest school here: http://www.yourhealthplanadvisor.com/Dentalschools... Schools often charge about half of what your local dentist charges.