Good dental plan that covers oral surgery?!
Question:
Good dental plan that covers oral surgery?
My boyfriend needs his wisdom teeth pulled plus some other teeth removed. He has no dental insurance and lives in Pennsylvania. The dentist estimated him a cost of about $1945, but if his other teeth that need removed have to be removed surgically then thats another $900. His credit isn't that good and I don't think that Care Credit will apporove him. He won't go to the dental school b/c he had a bad experience with a previous dentist and is afraid. Any suggestions on a good dental plan?
Answers:
He probably doesn't have the time to wait for regular dental insurance. The premium for a good dental plan in PA will be around $40 per month. The waiting periods on dental insurance for major treatment such as oral surgery and wisdom teeth extraction is 18 months. This means you have to wait until the 19th month to get the procedure done and then the insurance only pays 50% of the bill. Plus you have yearly maximums and yearly deductibles.
I'm an insurance agent and I don't have dental insurance. I have a dental discount fee for service type plan. You can find one for your boyfriend here: http://www.dpbrokers.com/default.aspx?lo...
The premium for the plans in PA is around $100 - $130 for 15 months coverage. They will only give you a discount of around 20% - 25% but there are no deductibles, no yearly maximums and no waiting periods.
One word of advice before getting on any dental plan. If your current dentist is not on the provider list you'll need to find a new one that is. Before signing up for the plan call some of the dentists that are listed to make sure they're still in the plan and are taking new patients.