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Getting dental insurance, (individual plan).?
I am looking for a dental insurance that accepts pre-existing conditions. I am an individual, and my present employer does not offer anything at this time.
- ZarnevLv 71 decade agoFavorite Answer
Almost all individual dental insurance plans cover pre-existing conditions. However, they all have either a waiting period before some procedures are covered or they have limited benefits for some procedures at first. Visit a local agent that works with several plans in your area. The agent can find the best plan for your situation and budget. There is no extra charge using an agent.
Be very wary of medical discount cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of “save up to 80%” be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. Montana couldn’t find any doctors in the whole state that actually took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card and fined the company. See this link http://www.insurancejournal.com/news/west/2006/11/... for more information. Many other states are starting to ban these cards as well.
Before signing up with any discount plan get a list of doctors. If they won’t give you a list consider it to be a scam. Call the doctors on the list to make sure they’re still taking the card (many don’t even know that they’re listed as a provider) and that they’re accepting new patients.Source(s): Independent Agent