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padmalotusflower asked:


I know that the discount plan provides discounts (duh) but would I be lacking something by not choosing actual insurance.. and what would I lack if so?

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pedro e asked:


I’ am 22 year old college student in california and don’t have insurance. i was wondering if anyone can help me with choosing a provider. i don’t really know how health insurance works. but i would like to get something decent thats not to expensive or to cheap, i do want good coverage just in case.
thank you

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yoyo asked:


I am being offered two options at work for dental insurance.
Aetna DMO and Aetna PPO

The DMO will be $24 a month for the family, while the PPO will be around $56

In terms of benefits, the DMO is better, there is no deductible, no annual maximum, and most services are covered at either 100 , 90 or 80%

The PPO plan has a $150 family deductible, and $2500 annual maximum per person. Services are covered at 100/80/60% depending on the type.

On the surface it seems the DMO is the logical choice, however, much like an HMO there are downsides. The number of dentists available in my zip code for the DMO is 3, compared to the PPO which has 28. The DMO does not have out of network benefits, while the PPO does. The PPO does not require referrals for specialists, which the DMO does.

I am really having a hard time choosing. We don’t use dentists that much, we have our cleanings, an occasional cavity, and rarely a root canal. I don’t want to simply go with the cheapest option necessarily, so any input would be great! Especially if you have experience with an Aetna PPO/DMO

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? asked:


My wisdom teeth are starting to come through, and i will need them removed. My job does offer dental, but from what I hear it’s crap, and aflac is way too expensive. I’m not too great at choosing insurance, I don’t know a thing about it; So looking for some help here. What would be my options as far as dental, something not too expensive, but also something that will cover a good portion of any oral exams or operations. I know I have to keep a plan for a while before I can receive benefits towards operations, and that’s fine, my teeth aren’t going anywhere and growing in painstakingly slow.

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grayghost asked:


are DMO Dentist allowed to charge other fees such as lab fee’s. I have a friend that has DMO insurance but when I inquired about how it works I was told that even though they pay little on the procedure they have to pay a huge lab fee out of there own pocket and I wanted to know if that was right because if that’s the case then why would I choose DMO insurance. Is this allowed?

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yclay asked:


i need “some” work done do you know any good insurance companies because i don’t know how to choose insurance, refer me one please.

im filling out this

https://secure.capitalonefinance.com/form.asp?plan=DFP&currPage=0&refer=www.capitalonehealthcarefinance.com

form so i need to estimate the cost, sux XD

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Dustin asked:


I need to get my wisdom teeth taken out, but don’t have any dental insurance at the moment.

I’m unable to get it through my employer, so I need to find a cheap plan that would allow me to choose my own dentist.

Would I be able to cancel the plan after I received the treatment?

Any recommendations and specific cost amounts would be great!

In case it matters, I’m 22 and live in Southern California.

Kansieo.com

Brad asked:


I need to clean my teeth next week but I haven’t choose my insurance company yet.. please recommand me the best dental insurance company for me…thank you

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XO asked:


Plz and thanks in advance!
i went to the ortho and they said that the treatment would cost 4000 dollars w/ out insurance but we’re thinking of choosing another place that accepts our insurance. (chicago location)

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Shireen asked:


Hi there, I’m a 23 y/o full time student in California and I will very soon need some dental work done, including in the future, some cosmetic dentistry. I need affordable dental insurance that will allow me to choose my dentist. I asked my dentist which she accepts, and she told me any insurance plan in which I can choose freely my dentist.

Thanks in advance!

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