Dental Insurance?

[Randyandyuni 2,682]

negotiate the price with the dentist, in many cases if you pay in cash the price is much lower than if they have to wait for reimbursement from insurance

[jostermacedo 54]

19 hours ago, yuna628 said:

Dental Insurance is something that is usually separate from health insurance. I'd suggest you find yourself some health insurance if possible - either purchase it privately, be added onto your spouse's insurance, have insurance at a place of employer if you have one, or sign up for Obamacare (via the federal exchange). Despite that though, you'd have to investigate if any of those plans actually offered dental insurance (usually a separate fee) or included it in the main premium.  All persons residing in the US must have health insurance or pay a penalty in taxes - immigrants are not exempt from this. The state of dental insurance in this country is pretty poor though, I should warn you. Don't expect it to pay out a lot. I can tell you that oral surgery is very expensive - personally had my wisdoms out, having no insurance back in the day. The cost was somewhere around $5,000 (btw I would have paid that a million times because honestly it was worth it and I now live my life without facial agony). Many dentists do understand that it is expensive and if you should have no insurance, will sign you up for a payment plan agreement or put the charges usually on 'carecredit' or something like that. Perhaps that would be an option you could look into.

 

Dental Insurance, at least here in NY, is worthless. You pay around $50/month for a maximum of $1,000/year. So, you'll spend $600 regardless... I see no point in having it. My wife is a dentist (not licensed to work in the US though) and if I ever need to go to a dentist, I will fly down to Brazil, spend a few days in a nice hotel, pay for the dental treatment (great dentists there!) and still save money compared with having the treatment here.

 

 

[BenjaminKeating 114]

Because some people are here in the US from countries where flights to/from are extremely expensive? 

 

Flights to Mexico are extremely cheap and if you're within driving distance, even better. 

 

I wouldnt pay $1300 to fly back to London (where dental procedures are extremely expensive anyway) when I could pay $100-$400 on a trip to Mexico to get it done? 

 

Its also worth checking colleges. The college here in Boulder has a dental school and I've applied to be a patient there. 

[AlinaB 43]

1 hour ago, jpiz777 said:

Your spouse should be able to put you on her work insurance as a lifestyle change.  

This is accurate - and also, some wisdom teeth removal will be covered by your health insurance, not just dental. It depends on many factors though. I would have your wife contact HR about getting you added to insurance and go from there. 

[f f 725]

2 minutes ago, AlinaB said:

This is accurate - and also, some wisdom teeth removal will be covered by your health insurance, not just dental. It depends on many factors though. I would have your wife contact HR about getting you added to insurance and go from there. 

they filed aos a bit under two months ago so the window to add him has closed most likely. 

[AlinaB 43]

Just now, f f said:

they filed aos a bit under two months ago so the window to add him has closed most likely. 

Oh damn - I should probably not try to be helpful when I have the flu. I miss important details. If they are past the time given by HR (usually 30 - 60 days) then yeah they will have to wait. Best to start looking for wisdom teeth removal studies!

[TBoneTX 45,319]

11 hours ago, BenjaminKeating said:

Flights to Mexico are extremely cheap and if you're within driving distance, even better. 

Absolutely true, and the OP is within enviably close driving distance.

[Lena95 14]

Hey guys!

 

Sorry for not answering but we we're a little busy lately.

 

I would definitely go to Mexico but unfortunately I didn't apply for AP which I regret big time!

So I have to do it here in the US. We've been looking around but we couldn't really find anything good.

My wife told me we'll just to go to a dentist this weekend so they can check it out and for the surgery we'll just try to get a payment plan cause its getting unbearable for me.

 

Thank you guys very much for the advices and answers! I appreciate it very much!!!

[TBoneTX 45,319]

AP can be valuable when we least expect...

Good luck!