When Dental Work Eats Up Savings

Since I now live in Thailand but come to work in the US for about 6mos. out of the year, I thought I would use the dental insurance that was offered "free" with my companys health insurance package. Imagine my surprise while sitting in the dentist chair to find out that it only covered an annual exam and cleaning plus one regular X-ray! Nothing else! Even though there seemed to be multitudes of Dentists in the city the price for the work I needed and an upper set of dentures was anywhere from high(3600$) to higher(7800$)! I decided to use one of the Dentists who offered discount coupons in the yellow pages, 3 of the Dentists I saw said they couldn't do the lower plate I'd need implants! The cost out of pocket was 3500$ including the upper plate. Not being able to afford to have the lower done I went to a local Dentist in Thailand she examined me took several sets of Xrays did a fitting and a crown and set the lower would be done in 3 days. Cost $60.00, the plate worked and fit perfectly! With the multitudes of dentists in the US one would think truly competitive pricing would exist but it doesn't really!

Curtis Gwin Jr of WA 4:45AM May 17, 2009

While I agree with some of what Kim Henry stated, I don't necessarily agree with the comments regarding amalgam fillings. In this regard, one must look to the facts. Unfortunately, while the dangers of - let's call them what they are - mercury fillings have yet to be determined via proper, quantitative statistical research, it has been proven that a person's content of trace mercury increases significantly after having this work done. Any toxic substance in the body over a long period has been proven to not be a good thing. Everyone's threshold is different based on a variety of contributing factors. While there is rarely ever a direct cause-effect relationship - accumulation of any foreign substance is what is important. Time is what will tell us the true story. Unfortunately, it might be too late for many, if the stats reveal the real harm they could cause. As a dentist, I think it would be imperative to not believe the internal industry propaganda we are let to believe and to always look for the best health for the patient.

Jon Walker of CT 9:22PM May 14, 2008

With good research and regularly scheduled care, costs for dental treatment can be controlled to some degree and even reduced. There are several options to consider when you want to schedule major dental care. Does your plan provide access to dentists who are available and can treat you on relatively short notice if you have an emergency? Does your dental plan make you wait to use it after you join the plan or require a referral for specialist care? Can you use your plan nationwide either in or out of network? Has the cost of treatment increased over the past year or remained constant? Can you combine your dental plan with other plans like additional insurance or discount plans? Do you have an FSA/HSA/HRA plan that allows you to combine tax savings with your plan?

You may wish to consider a discount plan like those offered by Careington International (www.careington.com). These are memberships that provide access to a network of participating dentists who charge a discounted fee with savings that range from 20% for specialty work up to 60% for preventive and restorative procedures. You can use the plan without waiting, as often as you need, and it is available nationwide wherever providers are located. Typically, a discount plan will allow use by the entire household and can be used in conjunction with indemnity insurance plans.

Preventive dental care can help to cut down on the need for most emergency care. Take care of your teeth on a regular basis to reduce the risk of problems later on. Find a dentist that will help you with maintenance issues and scheduled visits, and consider shopping around for cost effective dental plans to help you save money. Going into debt for medical needs is not the best use of credit unless you have the ability to pay off the bill when it comes due. You will be surprised what a little due diligence will do to help you save money.

Mark Roberts of TX 1:03PM April 30, 2008

It's great to say preventative care is important, but for many people, that's hindsight. Dental care beyond regular visits is outside the budget for many Americans.

Those who need more than a single crown or root canal are heading to Mexico, Costa Rica or even further for what they need. The airfare and accommodations costs, and the inconvenience, are more than made up for in thousands or tens of thousands of dollars in savings.

www.beautyfromafar.com

Jeff Schult of MA 3:48PM April 26, 2008