Dental Insurance that Won't Kick in for NINE MONTHS

  1. This is a major problem. I have a tooth that's in some severe pain, and dental insurance through work that won't start until 9 months AFTER i've signed up for it. Most dentists want payment before you leave the office, and that's another problem, because of being in school for the past 2 years, i had no money left for savings after tuition is paid. I have checked around, and there isn't any dental office locally that is willing to set up a payment plan, because they have in the past, and customers didn't pay.

    Anyone heard of any dental insurance companies that start coverage instantly???
  2. 21 Comments

  3. by   leslie :-D
    Quote from Marie_LPN

    Anyone heard of any dental insurance companies that start coverage instantly???
    wouldn't you have to use the insurance company that your employer uses?
    and have you signed up for it already, and have a few months left before it kicks into effect?
    because if that's the case, where your waiting period isn't too far way, perhaps the insurance company will reimburse you for services rendered now (you just might have to borrow the money in the meantime)....
  4. by   Marie_LPN, RN
    I don't have to use the one through work, but that's the one i've signed up for.

    Just frustrating. My head feels like it's going to explode, and nothing i can immediately do about it. I'll be checking about getting a loan, but i don't have much credits, so getting that would be a toss-up.
  5. by   Nurse Ratched
    I don't suppose you could network - friend of a friend's cousin's uncle's neighbor that works in a dental office and could set you up with an unofficial payment plan? My hospital has a neat thing called "ETC" (employees that care) - kind of our own little rainy day fund. People contribute to it if they wish and employees in a pinch can get gifts or loans from the fund. Our HR dept administers it. I kick in a few bucks every pay and know it goes to help in these types of situations. Is there anything like that at your facility?
  6. by   Marie_LPN, RN
    We have 2 dental surgeons at work. I was half-tempted to approach one of them, but i wasn't sure how that would be perceived, ya know what i mean?
  7. by   Nurse Ratched
    I think that entirely depends on the nature of your relationship with the surgeons. There are docs I would feel comfortable approaching with something like that if the circumstances arose. It's a thought. Hope you get some relief.
  8. by   renerian
    Is there some type of teaching institution by you such as OSU dental clinic? It is students with supervision. I would encourage you to go. I had a tooth that infected over Christmas when everyone was closed. I developed a fistula and had two surgeries with triple lanced gums and root canals x2. That was getting done at the new year when everyone opened.

  9. by   leslie :-D
    actually renerian's idea is an excellent one.
    they have universities where you can have dental work done for next to nothing but it's students working on you, of course with close supervision.
    you just have to find out the universities that have the dental programs.

    in the meantime, you might want to go to the er just so you can get on abx in case there's an infection brewing.
    when i've had excruciating pain, abx worked like a charm.....
  10. by   SmilingBluEyes
    wow do I feel for you. I like Renerian's idea.....hope it works! I am so sorry.
  11. by   saskrn
    Some facilities allow for small loans as part of their EAP. Maybe that might be an option.

    Out of desperation, a person could try one of those title loan or payday loan places. I would imagine that there is a fee, but at least you could get your problem addressed.

    I hate dental pain!
  12. by   Roy Fokker
    Marie - if you had a week - 10 days to spare, I would suggest buying roundtrip tickets to India.

    They have excellent dental surgeons in Bombay. I did that Summer 2004 -- $1200 for the round trip tickets and $60 - $100 to fix up my teeth, NO insurance, paid the entire amount in cash (root canal and an extraction). If you book now, the tickets will certainly be cheaper, because this is not the peak season.

    You'd get your teeth fixed up and a vacation out of the deal too :-)
  13. by   SusanJean
    Last time I checked, dentists were medical professionals and had to provide treatment. Explain to the receptionist that it is a medical issue (not for bleaching, prophy, etc.) and that you need to set up a payment plan. I don't think that an ethical DDS can/will refuse treatment for a medical situation.

    If you are already established w/ a dentist, call him/her first. If not, call around until you find someone. Better yet, call someone recommended by a friend or relative so you don't get a dud.

    In my experience, the longer the dentist has been in practice, the more likely they are to practice by (what I consider) ethical guidelines: providing responsible patient care w/out trying to make a buck.

    I am sick to death of having my teeth magnified to show every stain, crack and crevice in an attempt to make me spend money on cosmetics -- merely a marketing tool.

    So, "payment in full is expected at time of service". But that doesn't mean you can't find someone who can help you now -- there are still some great DDS's out there that will help.
  14. by   SmilingBluEyes
    How are you doing, Marie?