tag:blogger.com,1999:blog-56364707635169660982011-11-27T16:22:41.866-08:00Central Virginia's premiere dental laboratory specializing in porcelin and gold crownsCelebrity Dental Laboratoryhttp://www.blogger.com/profile/07139966249754712274noreply@blogger.comBlogger11100tag:blogger.com,1999:blog-5636470763516966098.post-92114077497990867932008-05-24T16:43:00.000-07:002008-05-24T16:46:08.881-07:00With medical costs rising, many employers are getting rid of the extras. Things like eye <a class="link" title="care" href="http://www.associatedcontent.com/article/338099/theme/1589/care.html">care</a> and dental insurance are no longer being offered. You can live without the eye care. Most people only go for an eye exam every 3 or 4 years. A visit to the dentist, even if only once every calendar year, can <a class="link" title="cost" href="http://www.associatedcontent.com/article/338099/theme/1547/cost.html">cost</a> one person $125-$250 for an exam, Xrays and a cleaning. If the dentist finds a problem your <a class="link" title="cost" href="http://www.associatedcontent.com/article/338099/theme/1547/cost.html">cost</a> can be hundreds of dollars more. I <a class="link" title="work" href="http://www.associatedcontent.com/article/338099/theme/1427/how_to_love_work.html">work</a> in a dental <a class="link" title="office" href="http://www.associatedcontent.com/article/338099/theme/1638/office.html">office</a> and process patients with no insurance, dental discounts and insurance. Having seen it all, I can offer some suggestions.<br /><br />Buying insurance for a <a class="link" title="family" href="http://www.associatedcontent.com/article/338099/theme/1379/family_matters.html">family</a> can be very expensive. Just browsing at the Internet, I found dental insurance plans that provided <a class="link" title="family" href="http://www.associatedcontent.com/article/338099/theme/1379/family_matters.html">family</a> coverage in the zip <a class="link" title="code" href="http://www.associatedcontent.com/article/338099/theme/1436/code.html">code</a> of 44060 (Mentor, Ohio) starting at $75 per month. The highest priced plan was $128. The typical coverage paid 100% for twice yearly exams.cleanings and Xrays. A filling was covered 60-80% and crowns and root canals were covered at 30-50%. Most of these plans had a yearly maximum of $1000 per person. Even if you picked the $75/month plan it would <a class="link" title="cost" href="http://www.associatedcontent.com/article/338099/theme/1547/cost.html">cost</a> a <a class="link" title="family" href="http://www.associatedcontent.com/article/338099/theme/1379/family_matters.html">family</a> of four $900 per year just to have the insurance, plus out of pocket costs at 20-40% for fillings and 50-70% for root canals and crowns.<br /><br />Without insurance at all a <a class="link" title="family" href="http://www.associatedcontent.com/article/338099/theme/1379/family_matters.html">family</a> of 4 would pay $1000-$2000 or up for twice yearly dental exams and cleanings. Most dentists are self-employed and you can find a big difference in price from one to the next. Some of the dental insurance plans force you to pick a provider from their network. Others give you an option of going to a dentist that accepts their plan (the dentist agrees to charge what your insurance company pays) or let you go anywhere. If you decide to go out of the network the insurance company has a set fee they pay and if your dentist charges more, you pay the balance. All of the dental discount plans force you to go to a dentist in their network, so it's important to look at every plan that's offered. By reading all of the information you can make the best choice possible.<br /><br />Read Full Article at: <a href="http://www.associatedcontent.com/article/338099/dental_insurance_vs_dental_discount.html">http://www.associatedcontent.com/article/338099/dental_insurance_vs_dental_discount.html</a><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/5636470763516966098-9211407749799086793?l=celebritydental.blogspot.com' alt='' /></div>Celebrity Dental Laboratoryhttp://www.blogger.com/profile/07139966249754712274noreply@blogger.com0