Dental Insurance: How to Get the Best Dental Insurance Plan NOW

[@jameshopkins5702]

Great information. Unfortunately dental work in America is highway robbery sometimes costing the amount to put a down payment on a house

[@iHealthBrokers]

The costs can definitely be astronomical!

[@jameshopkins5702]

@@iHealthBrokers because I am a sculptor I am actually looking into learning how to doing this and how to make implants and dental dentures I am well ahead of the curve

[@iHealthBrokers]

@@jameshopkins5702 Very interesting!

[@paulmatolsy4593]

American healthcare is the world's biggest rip-off con game. Shameful! 🤕

[@miamibryant5143]

Crime pays

[@rmp7400]

The problem is: insurance companies. 50 years ago the usual $1k max was applicable. Here in 2021, it is still only usually a $1k max even though dental costs, ( with the new technologies) is 100x what is was 50 years ago... How do insurance companies get away with that?

[@tre_4]

Zero laws protecting customers ?

[@cannon59]

Capitalism

[@stackedshort]

As a Dental Insurance Coordinator for 3 years. This was a great video explaining insurances in an easy fashion.⭐ I even learned more about Indemnity plans, thank you 😊

[@iHealthBrokers]

That's great to hear! Thank you!

[@liverpool0690]

This is the first time i looked up something and got all my answers in one video. This helps me so much!

[@iHealthBrokers]

So glad we could be of help! Best of luck!

[@kathrynmarie1232]

Try calling local dentists to see if they offer any in house financing, essentially a loan with them. Also, let them know what you likely need done. In my case it was an extraction and my HMO which I've had for twenty years has only off site oral surgeons sixty miles away. Many dental corporate groups are like that now and their dentists will only do a very simple extraction. I found an excellent local dentist who extracted the tooth at a reasonable cost and gave me a payment plan. Good luck to all in your search to find out what works for your situation.

[@iHealthBrokers]

Great advice! Thanks for sharing.

[@bishopms57]

HIGH INTEREST RATE

[@JimmyJaxJellyStax]

Read about Dental Discount Plans combined with a Health Savings Plan compared to just a Dental Insurance Plan - you might be quite surprised at how much more value you accumulate over the years keeping and managing your own emergency fund for dental coverage. HSAs also carry greater tax incentives for potentially greater tax refunds compared to dental insurance expenses.

[@iHealthBrokers]

Dental discount plans (although not technically health insurance) can certainly be a great option! The main problem is finding a dentist that you like that participates. And you're right about HSAs. If they work for your family, there are definitely some potential financial incentives. You can check out our latest video about HSAs here: kzbin.info/www/bejne/iKTQZZhqadaWZ6s Thanks for your comment!

[@mikeschumacher9715]

You make it sound so easy. Usually put the research on the consumer, like we know. And it never covers well enough. And those maximums.....$1000 to $2000? A crown or willing is close to that now. Implants are around $8,000 each. I pay $504 a year in premiums for a $1500 maximum.

[@iHealthBrokers]

It really can be SO expensive when you have to have major work. There are actually plans available that have much higher maximums that may help if you need major work. For example, Nationwide offers a plan with a $5,000 maximum (much better than $1000!). It can be overwhelming though, which is why we recommend working with a broker.

[@foreveryactionthereisacons1683]

I've never heard of an implant for 800$ are you talking about multiple teeth?

[@iHealthBrokers]

@@foreveryactionthereisacons1683 Dental implants can actually be thousands without insurance.

[@jhenniferstewart2009]

@@foreveryactionthereisacons1683 I paid over 8,000 just for one tooth. That 8,000 is only for bridge/crowns. It's ridiculous!

[@IkambaDeVictoire]

@@iHealthBrokers wow, I didn't know there were insurances with such a high maximum. How much would the monthly payment be??? Might be worth it if you are getting a lot of work done. But with implants, you have to wait several months in between (especially if you need a bone graft first like I do, due to a congenitally missing tooth). If the monthly payment is too high, I feel like you would probably end up paying up to the max by the time all of the work was done (easy way to have your own kind of "payment plan" though ... I guess lol)

[@aaxamu]

I was having trouble choosing which plan will work best for me and this video just simplified sooo much!! Great video, very clear and concise! Thank you so much!

[@iHealthBrokers]

So glad to be of help!

[@Shirazie98]

@@iHealthBrokers Not a good website.

[@ismaeldelgadillo2828]

I have best plan go to mexico is why cheaper

[@karenoddo541]

Great Info for those of us that don't have Dental.

[@FudgebunyChannel]

Thank you for this! Calling in the morning!

[@iHealthBrokers]

So glad to be of help!

[@daffertube]

Great video. Very informative

[@jordanhoward5272]

Hey I watch your stuff. You make some great videos man. It’s sad you mentioned you were getting burned out.

[@reberomime9888]

Can you help me find coverage for implants and root canals? After having two children back to back took a big took on my teeth. I need about 3 roots canals one implant maybe I get different things from different dentist I am in pain with one tooth the others give me fevers from infections. Need help as soon as possible.

[@iHealthBrokers]

So sorry to hear you're in such pain! Please call us as soon as possible at 888-410-0344. We can help try to find your coverage for your dental needs.

[@emeeperry673]

Hey, so I'm trying to figure out what the best option is for me because I have to get a ton of work done(cavities and chipped teeth) and a lot of my teeth need to be extracted (like nine) also both my wisdom teeth that have broken off (which one is super close to the nerve) so it's going to end up being very expensive. I was going to get dental insurance to help but don't know which route i should take.. can you help me figure out which one to do? Thanks in advance.

[@iHealthBrokers]

Oh, I sympathize so much! You need a dental plan with no waiting period and a high plan limit. Some dentists may even allow you to submit a primary and secondary dental plan. This may seem like a lot, but if you need a lot of work it could actually save you a lot of money! Please give us a call: 888-410-0344. We can look at all of the options available in your area to find you the best possible plan for your situation. I would also be remiss if I didn't mention a dental savings plan. For that, you would first need to find a dentist who offers is, but it could be another option.

[@curst2948]

I’m a 19 year old living on my own so I don’t have much money but recently went to get a check up at the dentist and was told I need braces which wasn’t surprising but also 2-4 teeth pulled what plan would you recommend so I save the most money ?? I don’t mind having to drive to a specific dentist if it means I can save

[@iHealthBrokers]

If you'd like, give us a call at 888-410-0344. We'd need to get a little more info to point you in the right direction. There's no charge or pressure to enroll. It's just not really a conversation we can have to completion via KZbin! 😉

[@johnd4348]

Every dentist thinks their patents need braces. Unless you want perfect looking teeth, then braces are not necessary. Believe it or not braces have only been around about 50 years. No one had them before that. Save your money for cleaning and dental repairs.

[@itamarmaestrelo]

Wich one covers more major... like surgery? Wich one is the best insurance for high costs at first?

[@iHealthBrokers]

Many DHMOs do NOT have an annual max. This means that even if you have extensive work, you'll just be responsible for copays but you most likely won't hit a max. The downside is that your dentist MUST BE in network otherwise there is no coverage. PPOs will allow you to see many more dentists and have coverage. However, they WILL have an annual max. If you have extensive services needed, you may hit that max (and be responsible for the rest of the bill entirely). However, there are plans with higher maximums. So, if you need a lot of work, either A) find a dentist that accepts your plan and choose a DHMO plan with no max or B) choose a PPO with a higher annual max.

[@joycesacre3594]

I am new to the dental program that comes with the 2021 medicare program. I need to know what is covered and if there is a max. I am also covered by a state plan.

[@iHealthBrokers]

Hi Joyce, we'd need to know exactly which plan(s) you have to answer your question. Give us a call at 888-410-0344 so we can help!

[@MeamaThompson]

so typically when you go over your maximum there is no discount or nothing?

[@iHealthBrokers]

Unfortunately, yes. Although if you need more preventative care (cleaning/check up) you should still be covered.

[@bruceeigsti5274]

nothing on nationwide website they dont carry dental insurance

[@iHealthBrokers]

National Care Dental: ihealthbrokers.com/national-care-dental-vision/

[@lancerx1001]

Just signed up with physicians mutual.

[@Enoch591]

Does the health insurance marketplace cover dental

[@iHealthBrokers]

Some plans do. Some don't. If your plan does, you will see it indicated in the benefits! Feel free to give us a call if you are unsure if the plan you are interested in offers dental and we can take a look: 888-410-0344. Thanks for your question!

[@Enoch591]

@iHealthBrokers I appreciate you I have nobody to talk to about this premium tax credit for 510 dollars a month and I got mail from ambetter sunshine health with a 8600 deductible

[@thenobosslife7098]

is getting a cavity filled considered a major service for the waiting period?

[@iHealthBrokers]

Usually a cavity would be considered a basic service. Double check with your dentist to make sure.

[@ZE308AC]

For a chipped tooth how much would it cost with no dental insurance?

[@iHealthBrokers]

Unfortunately, that's not something we can answer. You'd need to speak directly to your dentist to get pricing.

[@OfAngelicParagons]

My quote is $24,000 from aspen dental, & my life savings is 3,000 and that took 5 years to save, I have health conditions and live in subsidized housing money is really hard to come by I sell para cord bracelet for 10.00 each, I suffered 21 years with problems and how can I ever get tge help like I deserve

[@iHealthBrokers]

That's certainly a very big bill! Please feel free to call us if you'd like: 888-410-0344. There may be a better option for you.

[@ChrisB-cx6td]

Go to a low income dental clinic

[@OfAngelicParagons]

@@ChrisB-cx6td i did go to the salvation army dentist, and they fixed some teeth and gave me a cleaning and said they would make me a partial for the top and bottom, but I need a root canal and some extractions and they don't do that, and said I need an oral surgeon and I can't find one that accepts my upmc and i have no money and I already went to 5 appointments at salvation army, now I just need extractions to go back and get my partials made For free but can't get them until I find an oral surgeon then if I do, it'll be 3 to 6 more months before I can get impressions made then another 3 months to finally get them, and I already been going since july and im just pissed because if I could pay it would be done in a day just stressed

[@Shay_Davis_Talks]

Can you share information one a person having two dental plans plus a dental savings plan? I reached my max and that has been not the best experience. This upcoming year I want to make sure I’m covered for whatever is needed all year long with low out of pocket costs.

[@iHealthBrokers]

You may be able to find a dentist that will take two forms of insurance but it is unlikely you'd be able to find someone who takes a dental savings plan AND two dental insurances. Do you have a dentist you like? You may want to work in reverse. That is, ask your dentist what plan/plans they will take. Many of our clients opt for NCD because they offer plans with MUCH higher maximums. Feel free to call us with any questions and we will try to point you in the right direction. 888-410-0344.

[@stevenpolanco8438]

Hi. My wife and I are looking into getting dental insurance. We don’t have any major services needed, just cleaning, things like that. We recently received a quote from Cigna. They have 3 plans: 1) paying $80 a month, maximum is $1,500. Deductible is $150 per family. This cover orthodontia as well. 2) paying $65 a month. $1000 is the maximum. $150 per family deductible. No orthodontics covered. 3) paying $35 a month. Just covers preventive care, nothing else. Do these sound like good plans? We have no kids, so it’ll be for just 2 people. Any suggestions are welcome. Thank you 😊

[@iHealthBrokers]

Are these plans DHMOs or PPOs? Have you checked to make sure your dentist of choice accepts them? They sound like pretty bare bones plans, but from what you've described, maybe that's all that you need! It's hard to say without getting some more info... If you want, feel free to give us a call at 888-410-0344 or you can e-mail us at [e-mail]. We'll see if we can find a better plan for you.

[@yasinali3754]

I go 35 a month and do major work in Mexico

[@dr-dinkleheimgaming6460]

Is Aetna a good dental insurance I need a root canal and don’t know wether they will cover it

[@iHealthBrokers]

Are you looking at a DHMO or a PPO? Root Canal should be covered as long as your dentist accepts your plan. Also, you want to make sure that the OOP Max is high enough to provide enough coverage.

[@trayblack9999]

I love the video it really helped me with a lot of questions I had

[@iHealthBrokers]

So glad to be of help! Thanks for your comment!

[@MrNametha]

Exactly what I was looking for.. thankyou

[@iHealthBrokers]

So glad we could help!

[@margaretokpara6457]

Great video... but am still confused , don't have a dental insurance but just found out I have a growth around my lower gum when I raced my tongue . Am confused and scared dont know what to do next. Please will appreciate your suggestions . Thanks

[@iHealthBrokers]

Hi Margaret, so sorry you're having to deal with this! There is usually a 12 month waiting period for "major services", but perhaps your condition does not count as a "major service" (at least as far as insurance is concerned). If you can enroll in a plan that will cover your services, that would be ideal. Can you call us? You can reach us at 888-410-0344 or set up a time to talk on our website: ihealthbrokers.com/ We'll try to find you some options.

[@yomango35]

Great video ...finally I got some help on KZbin channel....Amazing !!!!

[@iHealthBrokers]

So glad we could help! Best of luck with everything and thanks for the feedback!

[@antoniodrummond1299]

Hello I’m looking for dental for my family which consist of wife and 2 boys. My wife currently has braces and my 3 year old is getting to point where he needs his cleanings. I am up to date with dental. Just need to get back in for cleanings. I will need a crown in future. Do you have any recommendations?

[@iHealthBrokers]

Do you have a dentist that accepts DHMOs that you'd like to continue to use or do you ned a PPO? A lot of our clients LOVE NCD because their OOP Max is MUCH higher than other carriers and plans. You can learn more here: kzbin.info/www/bejne/mn-vfKBnYrGCd7c Feel free to call us with any questions. There's no charge for our services but we can walk you through available plans and prices so you can get a better idea. 888-410-0344. Thanks for your question!

[@jamartinez5708]

If I call your toll free number will you be able to tell me what types of insurance certain Dentist's carry in my area?

[@iHealthBrokers]

Of course!

[@pizzapocket7878]

How do you know your Maximum with a PPO

[@iHealthBrokers]

Your plan limit (maximum) should be one of the numbers listed in your summary of benefits. Most plans max somewhere around the $1000 range.

[@brigithrivas40]

Thanks for this video, it was so helpful! I have pain in a molar right now & am looking to get dental insurance.

[@iHealthBrokers]

So sorry about your molar! We're glad the video helped! Let us know if there's anything else we can do!

[@brigithrivas40]

@@iHealthBrokers Thank you!

[@manestage5403]

I'm a single adult with acute mouth pain. I'm sure I need extractions. Yes, extraction with an S! A couple of broken teeth will require surgery. I need this miserable taken care of asap. Any advice?

[@iHealthBrokers]

Oh, I'm so sorry to hear that. Do you currently have any type of dental insurance? If you think that you may need extractions and will want implants in the future, please give us a call. Many insurance plans will cover implants but NOT for teeth that weren't in your mouth when you enrolled in the plan. Give us a call and we will do our best to help. You can reach us at 888-410-0344.

[@littledff]

@@iHealthBrokers in same situation. Suffer from autoimmune disease, so my teeth r going fast. Two broken, and periodontal disease. I do have medi-cal dental, but all the dentists are not great quality.

[@iHealthBrokers]

@@littledff There ***are dentists who have figured out how to bill health insurance in these types of situations. Unfortunately we don't have an index of dentists so you'd have to call around. It's still not a common practice. This sounds like a truly frustrating situation. Would you be able to purchase supplementary dental insurance?

[@manestage5403]

@@iHealthBrokers Thank you so much for this information. I actually had a really bad sinus infection that caused tooth pain. It completely went away after I was on an antibiotic and a nasal spray for a week. This information that you give out on the channel is PRICELESS. You are so kind to share it with us. I still have to give you guys a call because since I first commented I've switched jobs and am looking to purchase dental insurance, but am not sure if the two offered by my employee are worth it. The pain is gone, but that sinus infection had nothing to do with my mouth being raggedy. lol

[@manestage5403]

@@littledff I'm so sorry you are going through that. I hope you find some guidance and ultimately a solution soon.

[@ikeidaplummer5686]

Do you know which dental plan covers sedation so I can get my tooth pulled? or a least half the cost? please help!

[@iHealthBrokers]

Unfortunately we do not... We do have dental plans with much higher maximums to cover the rest of the costs. Feel free to call if you'd like to discuss options: 888-410-0344. Best of luck and so sorry about the tooth ache!

[@nyirahnunn]

Depending on where you live dental school do it for free or low cost

[@selfsamekris7042]

thank you so much this will really help ..thank you

[@iHealthBrokers]

So glad we could help!

[@isaacmontanez3987]

I need help with finding a dental insurance for wisdom teeth removal

[@iHealthBrokers]

Hi Isaac. Feel free to give us a call and we can find you a plan to meet your needs. 888-410-0344. There's no charge for our services!

[@Itsdjgc]

Anything on dentemax ? How is that insurance company

[@iHealthBrokers]

DenteMax is actually a network, not an insurance company (carrier). It's not something that can be purchased as an individual. However, your carrier may contract with them to provide a dental network. So it depends on the carrier, not DenteMax itself per say.

[@Itsdjgc]

@@iHealthBrokers that’s weird becuase they selling dental plans

[@iHealthBrokers]

@@Itsdjgc It can be confusing. Basically they are a network that is leased by a company to sell dental insurance.

[@davidkim2016]

Great job.

[@iHealthBrokers]

Thanks, David!

[@juliomuniz5508]

Thank Sarah for this valuable info

[@iHealthBrokers]

So glad to be of help!

[@dannystiasny3891]

Great Job , thanks for the help , I thought Brokers cost money , How can your company afford to assist me for free , can you explain briefly before I call , thanks , just don't want any surprise's ,lol thank again for a Great tutorial

[@iHealthBrokers]

Completely understandable! So whether you go through a broker or an agent of the carrier there is already a commission that is part of the premium you pay. So, it doesn't matter how you enroll, that commission is already included and it will always go to someone. Some brokers will charge an additional fee, but many do NOT. We do not charge any type of additional fee. So, if you'd like assistance (at no additional charge) you can reach us at 888-410-0344. Thanks for your question!

[@worstusername22]

very informative thank you

[@allisondennik8229]

What is a dental savings plan

[@iHealthBrokers]

Although it can be easy to confuse the two, discount dental plans are not the same as insurance. You'll pay a fee for access to your plan's dental discount card. If your dentist accepts your discount plan, you'll receive anywhere from a 10%-60% discount on services provided. It can be a great way to save a little money on dental care BUT it can be difficult to find a dentist who accepts a dental savings plan. Thanks for your question!

[@emilyfeng9845]

What’s an affordable dental insurance plan for college students in Texas?

[@iHealthBrokers]

Emily, there are many. A few factors that would influence our recommendation are if the insured already has coverage they are losing, if they need any major work done soon, and if they have a dentist they are eager to keep seeing.

[@arleneamengual3592]

Very informative

[@Petini83]

Great and clear information!

[@paulmatolsy4593]

Thank you. Great video.

[@iHealthBrokers]

Glad we could help!

[@7RomanceTube7]

Amazing video thank you for all info

[@iHealthBrokers]

So glad we could help!

[@1stMikeWhite]

so basically the annual maximum benefit is the most amount you can save.

[@iHealthBrokers]

Not a bad way of thinking. Although there are some services are covered at 100% when you have insurance so factor that in as well.

[@jdkingsley6543]

thank you

[@brielbrown216]

Thank you for this

[@iHealthBrokers]

Glad to be of help!

[@chanhnguyen81]

I feel dental insurance is a waste if you only go twice a year for cleaning

[@iHealthBrokers]

If you are someone who only needs cleaning and nothing else, you may likely save money by foregoing insurance. However, like all forms of insurance, dental insurance is there to help if you have larger expenses. Thanks for your feedback!

[@fritolays406]

I need this, after paying 5000.00+, for a bridge with no insurance.

[@iHealthBrokers]

Oh my goodness! We're so sorry to hear that!

[@You-Be-The-Judge]

This was made in 2020 pre-biden. It is now 2022 about to be 2023, How much of this is still relevant?

[@iHealthBrokers]

Good question. Much of this video is dedicated to simply understanding dental insurance. Although prices have gone up slightly (as most things do yearly), the information is very similar to the time this video was released. We do plan to do an update in the near future. Thanks for your question!

[@keylonshaw7727]

Very helpful

[@iHealthBrokers]

Thank you! We're glad we could help!

[@jamesgunn1606]

Very "on cue" and informative...thanks !

[@iHealthBrokers]

Glad we could help!

[@redciroc1211]

People need dental insurance for the major repairs not basic I need some implants

[@iHealthBrokers]

There are plans that cover implants as well.

[@martachavez9742]

Hablo español

[@europaeuropa3673]

You never talked about occlusion.

[@iHealthBrokers]

Hello. I'm unsure what you mean. This video is about dental insurance not dental procedures or treatment options.

[@dennisduran8500]

In other words the medical and dental industry is one big bureaucratic mess.

[@ecuarenegado81]

Thanks for the information Sara sounds so smart that make me want marry her lol

[@iHealthBrokers]

Well, thank you! So glad we could help 😊

[@jayjo77144]

Im being told dental INS is like a grocery store coupon,,,,,, dentists charge so much its insane !!!! INS dont help just save $1500 a year thats what they pay OH ,,,,,,and they pick and choose what theyll pay just save your own money its the same as "dental" INS It should not cost the same as a car or house to fix your teeth smh

[@iHealthBrokers]

That can be one of the major struggles with a PPO. Although you have way more flexibility, you're more beholden to what a dentist chooses to charge.

[@jayjo77144]

What they charge is robbery in fact its disgusting

[@iHealthBrokers]

@@jayjo77144 It really can be astronomical. We've all been there!

[@christophernunez6802]

Your main light is too hot. You need a diffuser.

[@HHI455]

looks fine to most of us

[@anthonyD2365]

Will someone just give me a damn Dentist company. I’m 66 have Medicare, which has no dental. I didn’t wanna switch my Medicare because I get another disability pension and I thought maybe it would affect it. I need a dental plan and a dentist. All the reviews I read online are complaints about this and that does anyone know of a good dental plan. A dental plan alone or a dental vision and eyeglass please help thank you. Anthony

[@iHealthBrokers]

We can't really help with a dentist recommendation, but we do have some good PPO options that will allow you to see dentists both in and out of network. Feel free to give us a call at 888-410-0344. Thanks for your comment!

[@brunomonteros4554]

Dental Insurance is the worst covers nothing only x-rays and cleaning.

[@iHealthBrokers]

There are definitely a LOT of bad dental plans out there...

[@HaseenAhmed-jv5lu]

Dentist have thief

[@dannystiasny3891]

This is all New and so , so ,so confusing , lol

[@iHealthBrokers]

Dental insurance can be especially confusing!

[@yasinali3754]

Go out of the country, go by word of mouth

[@HaseenAhmed-jv5lu]

Dentist have theif

[@nonyabiss5431]

All terrible options

[@iHealthBrokers]

Sorry you feel that way. Best of luck!

[@HaseenAhmed-jv5lu]

mAdam india in bad dentist west of money indian dentist very bad dentist print bag dentist

[@meganegbert8570]

Lisa needs braces

[@patrickyasko3383]

My guy!

[@patrickyasko3383]

Literally came here just to see if this comment was here

[@sockbucketfrance]

lisa needs braces

[@agri-lifeorganicfarm2466]

Bla Bla Bla cut the cutesy intro and just get to the point. I didn't come here to listen to the sound of your voice. I came here to get information so stop wasting everyone's time and get to the point. Now you have wasted enough of my time. Down thumbs bye.

[@porchboyflacko]

Thank you

[@BaldheadNailtech]

Thank you

[@iHealthBrokers]

Our pleasure!