Individual dental insurance needed for a few fillings
I have three small cavities at least that was what I am being told by the dentist. I do not have any current dental insurance but until not it was really not an issue. I went into this office since they offer no office charge and really low cost X-rays and basic cleaning.
Now I being told I need to have filling and it is no longer so low costly. The dental office staffing told me it too late to really get insurance since most plans have waiting periods up to six or more months and I should really not wait that long to have the filling done.
I feeling pressured into having the work done ASAP. I made an appointment for next week but now sure if I should keep it or not. Would love some advise.
Thursday, Oct. 28th 2010 9:21 AM at 9:21 am
Sounds like the dental office you are going to may only take PPOs dental insurance plans. If that is the case then the staffing is correct that many dental PPO plans do have waiting periods.
Waiting periods will very depending on the plan you may be reviewing but it is save to say you may up to six months to wait for basic dental services. Even longer if you need major dental work done.
Thursday, Oct. 28th 2010 9:24 AM at 9:24 am
If you are willing to change dentist then you may be able to pick up an HMO dental insurance plan that does not have waiting periods like PPO plans.
However on an HMO you do need to choose a dentist in the plan net work. Which means starting over. So that may be a choice you need to make.
Same as dental discount plans you have to go to dentist that take the plan but they too have no waiting periods.