Insurance Question - TriStateTuners.com :: Home of Tristate Auto Enthusiast

Willdue · 01-15-2008, 03:27 PM

Where does everyone get there dental insurance? I can get mine threw work, but it barley covers anything, and Im gunna need some work on a tooth this summer, and I wanna get as much coverage as possible. Where does everyone get theres? i know alot of you prolly go threw your work, but I figured I'd give this a shot.

NJGOAT · 01-15-2008, 03:40 PM

Most dental insurances don't cover everything. Also, they may seem limited, but they really aren't. I have Met through work and the way it works is this:

Say you need a root canal, that is considered a tier 2 operation under my plan. They will cover 50% of the cost. HOWEVER, they will only cover what they feel the operation is worth. Say the root canal is going to be $1,000 retail. Your insurance may believe that the proceedure should only cost $600 and they will cover 50% of it. So, you go in network and your cost will be $300 (50% of the negotiated cost), if you go out of network, it will cost you $700 (your insurance will only pay 50% of what they think it should cost).

Every dental plan I've ever had works this way. There are always out of pocket costs with dental. The key is to go to an in network dentist and minimize your costs. Most dentists will also do payment plans if you can't pay it all up front. Also, your insurance through work should be significantly better/cheaper than what you can buy on your own. Another thing to think about is that most privately purchased insurance has a minimum term that you need to agree to and most will not cover pre-existing conditions. So, you may end up having to carry extra insurance for a year or more, just to get a small break now.

importpower99 · 01-15-2008, 03:46 PM

I heard if you drive an eclipse you get free dental work done!!

Willdue · 01-15-2008, 03:48 PM

I know im gunna have to pay some, but mine work would cover about 25% and I know Im gunna need a root canal, if not 2. So im lookin for a lil better then that.

Willdue · 01-15-2008, 03:48 PM

Quote:

Originally Posted by importpower99

I heard if you drive an eclipse you get free dental work done!!

Your never gunna let up are you lol.

Kevin · 01-15-2008, 03:49 PM

Quote:

Originally Posted by importpower99

I heard if you drive an eclipse you get free dental work done!!

I drive an eclipse and I get free dental work. No joke.

Personal Choice woooo!!

Jeffros Spec V · 01-15-2008, 04:04 PM

Like stated above me.....

All medical operations have a price for which they are allowed to cost. It's like retail price. Doctors, hospitals etc.... charge whatever they want. If it goes through insurance, the insurance company will cut their bill down to whatever the retail price is. I work for an insurance company, we have programs that reprice medical bills all day every day. We save millions a year by only paying retail.

97eclipse · 01-15-2008, 04:24 PM

yea when they see that u drive an eclipse they think o he has to put alot of money out for his car so he wouldnt beable to afford it so he can have it for free even if u can afford it! haha jk

Kevin · 01-15-2008, 04:28 PM

2 years with mine. 0 problems woot woot.

Willdue · 01-15-2008, 04:36 PM

^Freeposters.

Yea, I know Im gunna have to pay, im juss seeing if anyone has experiance with a good legit plan outside of there work.

importpower99 · 01-15-2008, 04:57 PM

Quote:

Originally Posted by Willdue

Your never gunna let up are you lol.

NOPE! LOL

Willdue · 01-15-2008, 05:47 PM

Shame you wanna sell yours to

importpower99 · 01-15-2008, 06:09 PM

Probably around spring time I will become a sellout, like you!

matthenny · 01-15-2008, 06:12 PM

i had 1 root canal and 4 teeth pulled
insurance diddnt wanna pay so they kept holding it off till i wasnt insured
cost me 2k....

97eclipse · 01-15-2008, 06:17 PM

Quote:

Originally Posted by Kevin

2 years with mine. 0 problems woot woot.

dd? if so lucky!

ITSTOCK · 01-15-2008, 06:20 PM

I have Aetna medical and dental. I had a $2800 root canal and paid $35, and like $15 for the pain killers (I also think that i had to pay another $50 or something because it was a big operation, but total, it was $100 or less). It really depends on what plan you go with, but I have been extremely happy with Aetna for everything (over a 4 year period come march).

Under $50 for my emergency room trip to have my finger stitched back on
Under $50 for my emergency room trip to have my ankle x-rayed and cast
About $50 for my root canal ordeal
Under $50 for a couple of fillings
$25 (my general doctor/whatever) plus $15 (meds) for the last doctor visit
It's $25 dollar co-pay for most stuff, $35 for specialty co pay for other stuff, and I think the subscription plan is about $15 for meds. It's $106/month for full medical/dental.

Willdue · 01-15-2008, 06:22 PM

^ is that threw work? If not, where can i apply?

Willdue · 01-15-2008, 06:22 PM

Quote:

Originally Posted by matthenny

i had 1 root canal and 4 teeth pulled
insurance diddnt wanna pay so they kept holding it off till i wasnt insured
cost me 2k....

Thats exactly why I want this done right

ITSTOCK · 01-15-2008, 06:23 PM

It's a self-employed plan, but I'm pretty sure anyone can get it. I'll try to get the specific plan over the next day or two. For what it's worth, the way they price it is really odd. For me it's $106/month, but I know others who are pretty much the same health condition/don't smoke/no pre-existing problems, but 1 thing is out of whack and they paid over $300/month.

Willdue · 01-15-2008, 06:29 PM

well get me some info man, it would be greatly appreciated

01-15-2008, 03:27 PM	#1
Willdue Tri-State Post Whore Join Date: Jun 2006 Location: Catasaqua Member #2000 My Ride: To many VW's iTrader: (3)	Insurance Question Where does everyone get there dental insurance? I can get mine threw work, but it barley covers anything, and Im gunna need some work on a tooth this summer, and I wanna get as much coverage as possible. Where does everyone get theres? i know alot of you prolly go threw your work, but I figured I'd give this a shot.

01-15-2008, 03:40 PM	#2
NJGOAT Tri-State Addict Join Date: Mar 2006 Location: Moorestown, NJ Member #1583 iTrader: (0)	Most dental insurances don't cover everything. Also, they may seem limited, but they really aren't. I have Met through work and the way it works is this: Say you need a root canal, that is considered a tier 2 operation under my plan. They will cover 50% of the cost. HOWEVER, they will only cover what they feel the operation is worth. Say the root canal is going to be $1,000 retail. Your insurance may believe that the proceedure should only cost $600 and they will cover 50% of it. So, you go in network and your cost will be $300 (50% of the negotiated cost), if you go out of network, it will cost you $700 (your insurance will only pay 50% of what they think it should cost). Every dental plan I've ever had works this way. There are always out of pocket costs with dental. The key is to go to an in network dentist and minimize your costs. Most dentists will also do payment plans if you can't pay it all up front. Also, your insurance through work should be significantly better/cheaper than what you can buy on your own. Another thing to think about is that most privately purchased insurance has a minimum term that you need to agree to and most will not cover pre-existing conditions. So, you may end up having to carry extra insurance for a year or more, just to get a small break now. __________________ *Current Ride:* 2004 Audi A6 2.7T S-Line *Former Rides:* 2005 VW Jetta GLI, 2003 Chevy Avalanche, 2000 Audi A4, 2004 Pontiac GTO, 2003 VW Jetta GLI, 1998 Mustang GT, 1994 Jeep Wrangler To view links or images in signatures your post count must be 10 or greater. You currently have 0 signatures. To view links or images in signatures your post count must be 10 or greater. You currently have 0 signatures.

01-15-2008, 04:24 PM	#8
97eclipse Tri-State Addict Join Date: Jul 2007 Location: bristol Member #5281 My Ride: 1997 eclipse gst, 1998 eclipse gsx, 2005 Evo 8mr iTrader: (1)	yea when they see that u drive an eclipse they think o he has to put alot of money out for his car so he wouldnt beable to afford it so he can have it for free even if u can afford it! haha jk __________________ Evo 8mr exhast, intake, bov, Boost controler, meth injection and dsmlink. Shooting for 11's

01-15-2008, 06:20 PM	#16
ITSTOCK Tri-State Post Whore Join Date: Sep 2005 Member #844 iTrader: (0)	I have Aetna medical and dental. I had a $2800 root canal and paid $35, and like $15 for the pain killers (I also think that i had to pay another $50 or something because it was a big operation, but total, it was $100 or less). It really depends on what plan you go with, but I have been extremely happy with Aetna for everything (over a 4 year period come march). Under $50 for my emergency room trip to have my finger stitched back on Under $50 for my emergency room trip to have my ankle x-rayed and cast About $50 for my root canal ordeal Under $50 for a couple of fillings $25 (my general doctor/whatever) plus $15 (meds) for the last doctor visit It's $25 dollar co-pay for most stuff, $35 for specialty co pay for other stuff, and I think the subscription plan is about $15 for meds. It's $106/month for full medical/dental. Last edited by ITSTOCK; 01-15-2008 at 06:22 PM.

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01-15-2008, 03:46 PM	#3
importpower99 Tri-State Aficionado Join Date: Aug 2007 Location: Allentown, PA Member #5620 My Ride: 2012 Xterra Pro 4X iTrader: (0)	I heard if you drive an eclipse you get free dental work done!!

01-15-2008, 03:48 PM	#4
Willdue Tri-State Post Whore Join Date: Jun 2006 Location: Catasaqua Member #2000 My Ride: To many VW's iTrader: (3)	I know im gunna have to pay some, but mine work would cover about 25% and I know Im gunna need a root canal, if not 2. So im lookin for a lil better then that.

01-15-2008, 04:04 PM	#7
Jeffros Spec V Tri-State Post Whore Join Date: Mar 2005 Location: Langhorne PA Member #263 iTrader: (0)	Like stated above me..... All medical operations have a price for which they are allowed to cost. It's like retail price. Doctors, hospitals etc.... charge whatever they want. If it goes through insurance, the insurance company will cut their bill down to whatever the retail price is. I work for an insurance company, we have programs that reprice medical bills all day every day. We save millions a year by only paying retail.

01-15-2008, 04:36 PM	#10
Willdue Tri-State Post Whore Join Date: Jun 2006 Location: Catasaqua Member #2000 My Ride: To many VW's iTrader: (3)	^Freeposters. Yea, I know Im gunna have to pay, im juss seeing if anyone has experiance with a good legit plan outside of there work.

01-15-2008, 05:47 PM	#12
Willdue Tri-State Post Whore Join Date: Jun 2006 Location: Catasaqua Member #2000 My Ride: To many VW's iTrader: (3)	Shame you wanna sell yours to

01-15-2008, 06:09 PM	#13
importpower99 Tri-State Aficionado Join Date: Aug 2007 Location: Allentown, PA Member #5620 My Ride: 2012 Xterra Pro 4X iTrader: (0)	Probably around spring time I will become a sellout, like you!

01-15-2008, 06:12 PM	#14
matthenny Tri-State Aficionado Join Date: Mar 2007 Member #3814 My Ride: 93 s13 coupe 93 r32 gts 4 door skyline iTrader: (0)	i had 1 root canal and 4 teeth pulled insurance diddnt wanna pay so they kept holding it off till i wasnt insured cost me 2k....

01-15-2008, 06:22 PM	#17
Willdue Tri-State Post Whore Join Date: Jun 2006 Location: Catasaqua Member #2000 My Ride: To many VW's iTrader: (3)	^ is that threw work? If not, where can i apply?

01-15-2008, 06:23 PM	#19
ITSTOCK Tri-State Post Whore Join Date: Sep 2005 Member #844 iTrader: (0)	It's a self-employed plan, but I'm pretty sure anyone can get it. I'll try to get the specific plan over the next day or two. For what it's worth, the way they price it is really odd. For me it's $106/month, but I know others who are pretty much the same health condition/don't smoke/no pre-existing problems, but 1 thing is out of whack and they paid over $300/month.

01-15-2008, 06:29 PM	#20
Willdue Tri-State Post Whore Join Date: Jun 2006 Location: Catasaqua Member #2000 My Ride: To many VW's iTrader: (3)	well get me some info man, it would be greatly appreciated