How can I get Dental Insurance?!

How can I get Dental Insurance?

Hi, I'm on SSDI - and I have Medicare and Wisconsin Hirsp - a high risk state program, and neither covers any dental work for me, and I've been paying for everything out of my pocket and I've spent a small fortune on dental work.

What other coverage can I get. I don't have a lot of income - but I think it will be worth it to try to get coverage. I'm in Wisconsin.

thanks

4 weeks ago
We're sorry, but we could not find any discount dental plans available in your area.

4 weeks ago
that was in reply to answer #1 - I appreciated the effort, but I've already tried all these.

4 weeks ago
none of the discount plans have any providers in my area. They are all useless to me.

You have three options with dental.

Insurance - Depending upon the policy: cost $30-$60 per month. $50 deductible, annual maximum of $750 - $1500, waiting period up to 18 months for major work and then you're paying 50% of the charges. Example - average cost for a root canal in my area is $829. With insurance you pay $414 after paying 18 months of premium (around $800 or $900). Advantage - you can use any dentist with most plans.

Discount plans - Cost - $5-$12 per month. No deductible, no annual maximum and no waiting periods. Also, hardly any dentists will accept the plan and when they do you MIGHT get a 10% discount, which is about the same discount you can get by paying cash. Example - average cost for a root canal in my area is $829. With discount plans you pay around $746. Be very wary of these plans because most are scams. The people that sell these plans have little or no knowledge about health & dental insurance and do not need a license to sell them. The plans are not regulated by the state so you have no recourse when you have problems. Some states are starting to ban these plans from being sold. Here is an informative link http://www.insurancejournal.com/news/wes... concerning these plans.

Fee for Service discount plans - Cost $7-$15 per month. No deductible, no annual maximum and no waiting periods. Many dentist will accept the plan (check providers first before signing up with any plan). When you use the plan there is a set fee that the dentist will charge you. Example - average cost for a root canal in my area is $829. With fee for service plans you pay as little as $404.

I'm an insurance agent and my personal plan is the fee for service plan. I got mine here http://www.dpbrokers.com/default.aspx?lo... specifically the Aetna Dental Access plan but which one you get depends upon your area and comparing the fee schedule to find the best for what you need covered.