Hello! Thank you for choosing Google Answers! Regarding your
question, I commenced by using the search terms
"full dental coverage" on google.com. I was able to pull up several
verifiable insurances that will cover at least 70% of medical dental
work, as well as a large portion of cosmetic work.
My ABSOLUTE favorite of all of these:
http://www.mydentista.com/dentalins7/low-cost-full-dental-coverage.html
After reading about these guys, I wondered, why on earth am I paying
what I am paying for my dentist, chiropractic work and prescriptions
(heck, I don't even HAVE prescription coverage!)...
Bear in mind, this is considered "full coverage," but is not
"insurance," per-se, as the health care providers do not bill this
agency; rather, you receive deep, deep discounts by paying their fee
once per month.
The fee?
11.95 per person, or 19.95 per household, whether those housemates are
family or not.
Regarding strictly cosmetic procedures, according to their site:
"COSMETIC DENTISTRY INCLUDED, such as bleaching or aesthetic bonded
finishes in selected markets."
(source: http://www.mydentista.com/dentalins7/low-cost-full-dental-coverage.html)
Also, according to their site, these guys are a member of the following orgs:
AmeriPlan USA® is a member of the:
- Better Business Bureau of Dallas
- United States Chamber of Commerce
- American Academy of Group Dental Practices
- National Association of Dental Plans
- National Association of Provider Access Organizations
- Consumer's Health Alliance
I am honestly truly amazed by this service...I have been on a
fruitless hunt for something similar for the past three years for
myself. Just this morning, I took my grandmother to the dentist to
have ONE bridge done, and then watched her plunk down 1100 dollars.
Not easy to do when you make less than 300 dollars per month in social
security.
Here is another organization that actually claims to be insurance for
the self-employed or small-business owner:
http://www.healthinsurancesavings.com/
Click on the left dental tab for more information. Again, with these
guys, no deductible is paid by you.
Here is another one of interest, marketed to students and artists, but
obviously open to anyone who wants to apply. Here is information on
this program from the NY Small Business Network:
http://www.nysbn.com/dental1.htm
If you click on the dental thing on the left column, it actually pulls
up another option, but for some reason, I didn't find it as attractive
as Capdent...
Regarding Capdent,
I found this explanation of benefits form elsewhere on the Web:
http://www.artisthealthsource.org/CapDent%20Dental%20Plan-htm.htm
Here is more information on Capdent from yet another Web site...it
looks like there are several choices of coverage from Capdent:
The CAPDENT (Non-Group) Individual Plans are designed for individuals
and their families. Diagnostic and Preventive services are covered in
full, and other dental services are covered with minimal copayments
that you pay to the dentist. These plans are available in NY and NJ
respectively, and have no deductibles, maximums or waiting periods or
exclusions for pre-existing conditions. The premium is billed
annually.
The CAPDENT GROUP Plans are available to small and large groups on a
voluntary basis -- there is no minimum enrollment. The plan covers
Diagnostic and Preventive services in full, and covers other services
with copayments that represent discounts of 25% to 50% off
participating dentist's usual fees. The plan is available in NY and
NJ, and has no deductibles, maximums, waiting periods or exclusions
for pre-existing conditions. Premiums are billed monthly.
The CAPDENT/PLUS Plan is a point-of-service plan available only in New
York that includes allowances for services rendered by any dentist. It
is available on a voluntary basis to groups of any size with a minimum
enrollment of three. The In-Network option is similar to CAPDent but
has lower out-of pocket expenses with a $5 per visit fee. The
Out-of-Network option includes a deductible, an annual maximum and
requires the use of claims forms for reimbursement. The Out-of-Network
option may include waiting periods for prosthetics and orthodontics
unless the group has an existing dental plan. Premiums are billed
monthly.
(source: http://www.vansonfinancial.com/dental.htm)
I really hope that I have given you a good starting point, and that
you will eventually end up with full dental coverage and get those
services of need! :)
My search strategy commenced with my simply searching "full dental coverage"
I then proceeded to search "full dental coverage" + "self employed"
and finally, I further narrowed the search with:
"Full dental coverage" + "self-employed" + "new york" to get some
location-specific hits.
May your teeth be as white as snow-capped mountains forever more! :)
Thank You
aliciadenney-ga
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