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Message
Reccomendations on dental insurance?
Posted on 7/9/14 at 10:33 am
Posted on 7/9/14 at 10:33 am
looks like our current carrier is not gonna cover pediatric dentistry so we are currently looking for a new Dental insurance carrier. Anyone?
9
Posted on 7/9/14 at 10:34 am to gsvar2004
I'm looking for the same thing. I just asked for an application from BCBSLA, but I'd like to hear if anyone else has any opinions.
Posted on 7/9/14 at 10:37 am to gsvar2004
I have Cigna and don't hardly pay for anything. Don't know details as far as children's coverage goes but I would start there.
Just had a $2500 crown and root canal done. Cost me $285
Just had a $2500 crown and root canal done. Cost me $285
Posted on 7/9/14 at 10:40 am to pwejr88
quote:
Just had a $2500 crown and root canal done. Cost me $285
bullshite
Posted on 7/9/14 at 10:41 am to gsvar2004
I would seriously consider not getting it at all.
Posted on 7/9/14 at 10:45 am to LSUsmartass
quote:
bullshite
Wish I had the receipt to show you. Maybe it's the coverage, maybe it's my employer or a combination of the two, I don't know that much about it, but I assure you that is the case.
I also pay around $3 to get a prescription filled at CVS. Free checkups and cleanings etc.
I have to go back for some fillings, anterior ones are free and posterior ones are $25
This post was edited on 7/9/14 at 10:47 am
Posted on 7/9/14 at 10:45 am to gsvar2004
I have Starmount Always Care. It is based in Baton Rouge. Covers pediatric. I pay about $600 per year for a family of 4. It covers 2 cleanings a year per person and 80% up to $1500 per person for procedures.
Posted on 7/9/14 at 10:46 am to gsvar2004
I have BCBSLA supplemental dental. I pay $21 a month . I have a cap of $1000 services coverage and 2 cleanings per year. I think its 80% up to $2000 on major stuff though.
12 month waiting period on major
6 months on minor like fillings etc
12 month waiting period on major
6 months on minor like fillings etc
This post was edited on 7/9/14 at 10:47 am
Posted on 7/9/14 at 10:48 am to Geauxld Finger
Yea, that's what I just applied for. Unfortunately for me, it's going to be too late.
ETA: But, I learned my lesson. Hence, signing up for it now.
ETA: But, I learned my lesson. Hence, signing up for it now.
This post was edited on 7/9/14 at 10:48 am
Posted on 7/9/14 at 10:48 am to LSUsmartass
quote:
bullshite
Thats what I was thinking. I have pretty good insurance and the same thing just cost me $1000 out of pocket
Posted on 7/9/14 at 10:50 am to gsvar2004
We previously had Delta Dental and they were great. Wife just switched jobs and I think we're with Assurant now. Not sure yet how good their insurance is yet 
Posted on 7/9/14 at 10:55 am to gsvar2004
Unless you (or a family member) has a busted up grill or doesn't brush...just save the premium every year and pay cash for the services.
Posted on 7/9/14 at 10:57 am to ForeverLSU02
delta doesnt do individual policies in louisiana. looking into always care. thanks for the replys
Posted on 7/9/14 at 11:10 am to pwejr88
quote:
I have to go back for some fillings, anterior ones are free and posterior ones are $25
I bet you are in a DMO capitation plan. Did insurance company assign you a dentist to go to, or do you have a list of dentists.
Posted on 7/9/14 at 11:11 am to iknowmorethanyou
quote:
Unless you (or a family member) has a busted up grill or doesn't brush...just save the premium every year and pay cash for the services.
This is the correct answer to the question.
Posted on 7/9/14 at 11:11 am to gsvar2004
I'm looking as well. For my daughter just cleanings alone cost between $200 and $300 out of pocket. We know she's going to need some work (teeth pulled, braces, etc.) I'm looking for something that will also cover some portion of ortho.
Posted on 7/9/14 at 11:12 am to lsugrldej8
quote:
I'm looking as well. For my daughter just cleanings alone cost between $200 and $300 out of pocket.
That sounds high. Is this for two cleanings a year or just once per year?
Posted on 7/9/14 at 11:23 am to ruzil
Two cleanings a year. It's a ped dentist. I just took her and this cleaning had the xrays and it was $275
Posted on 7/9/14 at 11:25 am to iknowmorethanyou
quote:
Unless you (or a family member) has a busted up grill or doesn't brush...just save the premium every year and pay cash for the services.
Exactly. Save a little money for emergency needs and don't insure anything that isn't hugely expensive. You'll come out way ahead in the long run.
Posted on 7/9/14 at 11:27 am to lsugrldej8
quote:
Two cleanings a year. It's a ped dentist. I just took her and this cleaning had the xrays and it was $275
Wow, I just checked my fees for kids ($120 for xrays, exam, prophy and exam) and realize I am due for a fee adjustment. Did that $275 include a lubricant?
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