I have dentel insur ,that dosent pay all .is ther any supplemental Dental Insurance Plan?
good luckyy!
Is dental insurance tax deductible?
[US tax perspective]Yes and no.Yes = you may deduct dental insurance premiumsNo = you may not deduct all of itYou generally can deduct only the part of your medical and dental expenses that exceeds 10% of the amount on Form 1040, line 38 (Adjusted Gross Income). However, if either you or your spouse was born before January 2, 1952, you can deduct the part of your medical and dental expenses that exceeds 7.5% of the amount on Form 1040, line 38.Let’s take an example.Line 38 reads $50,000. 7.5% of $50,000 is $3,750, and 10% of $50,000 is $5,000.During the tax year, your medical and dental premiums paid were $6,000.Assuming you were born on or after January 2, 1952, you would be entitled to a $1,000 tax deduction on Schedule A.$6,000 minus $5,000 = $1,000.See also Publication 502 (2016), Medical and Dental Expenses (for a list of non-deductible medical related expenses)
What legitimate options for supplemental dental insurance have no waiting period for crowns?
Your best bet will likely be some sort of DHMO. You will pay a copay for the crown that will be better than a discount plan, but not quite as good a benefit as a 50% copay off of a negotiated fee.PPOs usually have waiting periods for major services (I am assuming we are talking individual coverage -not group). DHMO’s usually have no waiting periods or annual maximums, however you'll have a very narrow list of dentists to choose from and they hope to make money from a capitation fee they get from the DHMO and your copay.
How to supplement my dental coverage?
I just started a office job in Florida this year and we get dental coverage. I'm fresh out of college and never had coverage in my life. So I took advantage of my dental insurance which after doing "root planing and scaling" for all four quadrants (since I have gingivitis), removing my wisdom teeth and getting two cavities filled (which may not have been necessary) - I have hit my $1500 dental coverage for the year. This kinda of stinks since I need to see the hygenist for the next couple of months for routine cleanings that are not the simple cleanings your dentist does but rather the more invasive procedure. My work only has the one dental program which obviously got capped too quickly. How can I gain more coverage? Is there any programs that I can get involved in that supplements your work insurance? Do you large companies offer their employees increased coverage if they request it? Thanks!
Which is the best dental insurance if I am planing to do a dental bracing?
You will have a tough time buying a plan that covers Orthodontics on your own, because it would be a benefit that would see a lot of anti-selection (people buying the coverage knowing they were going to get this procedure done - and the timing and need for orthodontia leads to a lot of anti-selection).Your best bet might be to look into that plan offered by Harvard that does not cover the orthodontia and look into whether the plan’s “PPO network” extends the network discounts to non-covered services.If you had a plan that covered Orthodontics, it would likely be 50% coverage, up to $1000–1500 lifetime maximum. So if you went to any dentist, and they charged $5000 for a full orthodontic treatment plan, you would still be responsible for $4000 of the charges. ($1000 maximum plan).If the plan offers a network discount, the discount could be around 30% off, so now instead of $5000, the service costs $3500. And if you had coverage, would pay $1000 of the $3500, leaving you with a balance of $2500.My point is that if you can access the network discounts for the Orthodontia coverage, you may be better off than someone who has a $1000 benefit plan and goes out-of-network.The dental provider lobby has been successful in getting states to enact legislation that prohibits insurers from offering the network discount on non-covered services. (So they can collect full price). I’m not sure what Massachusetts laws are on this - thats why you should check with BCBS on their optional dental plan to see if PPO discounts are provided on non-covered services like orthodontia.Which leads me to another idea, is look for a “discount-only” plan that you can join to access network discounts (these plans are not subject to the aforementioned rules). Also, make sure the network they offer includes an orthodontist you’d be happy with going to.
Can I purchase dental insurance for a few months and then cancel the policy?
The insurance companies are already ahead of you. If you need a crown, for example, which is around a $1000, why not buy the insurance for just a day, get the crown and then cancel? Because there are probably waiting periods, let's say a year. If your tooth needs a crown now, that's no good. If you could actually wait a year then you will have paid the premiums for a year. If your premiums are $40 per month, you are now down $480. If the insco pays 50% and you have a $50 annual deductible, then your copay will be $550. $480 + $550 = $1030. You actually lost $30 unless the insco says crown should only cost $800, in which case your copay is $200 more. Since you toughed it out and waited the year, your tooth also needs a root canal for $1200 which they cover at 50% so you copay is $600. Assuming they actually pay their 50% of the $1000 crown and the $1200 root canal, you have now exceeded their annual limit of $1000, so you are now out the $100 excess. The short version is don't bother with dental "insurance". Borrow money if you need to and think of the payments as insurance premiums.
If dental expenses are not covered under medical insurance in Canada, what are the charges and is there any way to get dental treatment done under subsidy?
The government covers doctor’s visits, visits to most medical specialists as referred by your doctor, visits to the emergency room, hospital stays in a non-private room, necessary procedures and surgeries, and mental health care at government-run clinics. Prescription medications, accupuncture, nutritionist visits, etc are not covered.Dental care is not covered, but can be paid for by the government for indigenous status card holders in some cases and recipients of income assistance or disability who receive health insurance assistance. I believe new immigrants receive some form of help with dental care.
Does insurance cover dental implants? And how much do they normally cost?
Since your Aetna probably does not cover dental implants you may want to add a supplemental plan that does. I suggest the eHealthPlus membership. Be sure your dentist is on both networks for maximum benefit. Search by zip code.
What dental insurance plans cover implants, have no wait periods and no preexisting condition clauses?
None….such coverage would surely bankrupt an insurance company. No wait periods, no pre-existing exclusions and yet cover a $4000 - $5000 procedure immediately upon enrollment? Similar to buying fire insurance on a house that is currently burning to the ground.