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What dental coverage does Aetna Insurance have? I am scheduling a dental appointment for the first week of my winter break. I am not sure if I need to have a dental insurance card along with my Aetna card or not. Can you help me? I actually already called them once and they referred me to Delta Dental, and then Delta Dental referred me to Connect One. I talked to Connect One and they said I did not have a valid ID number. Hmm!

Does anyone know of an insurance company that will work in conjunction with Aetna Dental? I'm looking to acquire more dental insurance that will work with Aetna dental. This is to help reduce cost. I know people have used their dental and their spouse's together. I'm not married so i need to buy a plan. Any help would be greatly appreciated.

Aetna dental insurance. The underwriting process? hey. i am trying to get dental insurance and I was told aetna had a good individual plan. After looking at it, i def want to get it. I was told the plan I want is around $ 35 dollars. However, now that I am looking at the enrollment form, it says "any rate adjustment in accordance with the underwriting process will be automatically charged to your account" What does this mean? I can understand having a higher rate with health insurance, but I was told dental doesnt look at pre exisitng conditions. Also, one more question. my dad used to have aetna with health and dental but he lost his job a few years back. The insurance cut him off completely. I ordered a prescription through them because my dad was told his insurance was good through the end of the month. The sent us a letter stating we owed them over 300 dollars. Can they charge me for that 300 in addition to the 30 dollars they want for dental? Or would they need my permission?

HMO vs. PPO aetna dental health insurance? HELP? HMO vs. PPO aetna dental health insurance? so my school offers an option to student to get dental insurance from Aetna we have two choices: 1- Aetna Advantage Dental (HMO) for $131 dollars for spring semester only 2-Aetna Dental PPO $235 for spring semester only What's the difference between both? Which is better? Which covers more? Which one would you choose and why? Full Points for best answer

Aetna dental insurance policy? hey. i am trying to get dental insurance and I was told aetna had a good individual plan. After looking at it, i def want to get it. I was told the plan I want is around $ 35 dollars. However, now that I am looking at the enrollment form, it says "any rate adjustment in accordance with the underwriting process will be automatically charged to your account" What does this mean? I can understand having a higher rate with health insurance, but I was told dental doesnt look at pre exisitng conditions. and if my dad owes aetna health insurance company money, can aetna dental charge mne for my dads bills?

Aetna dental Insurance? I am wondering if Aetna covers extractions for wisdom teeth. I want to get some insurance but I'm not sure which is best.

Aetna Dental Insurance? Does Aetna(DMO), Cover invisalign? All it says is that it covers up to $2,300 on orthadontics, and I have the same insurance through UPS. So, my parents insurance will pay whatever mine doesn't as a secondary insurance. Which is fabolous by the way. So, Does orthadontics include invisialign? Thankyou.

Need helping choosing a dental insurance plan Aetna DMO or PPO? 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

Does anyone have AETNA dental insurance? and if so...for invisalign how much did you have to pay out of pocket?? i just need one for the bottom not top..

Does anyone have aetna dental insurance! pleas anser? if you do my braces will be costing my parents and i feel bad for them and i wolud like to know if they would cover the cost of my $2000 braces. if not then what portion do they cover! pleas anser

Do you have Aetna Dental insurance?? If so, can you give the the 1-800 member number off the back of your card....I lost mine & need to change HMO dentist - but I can't call them!!!

where can i get dental insurance effective date and termination date from? ok here is my problem. i have to show proof that i had 12 months preivous insurance or they wont pay for my dental work. i really want this asap and i dont know how to . aetna the dental insurance company says it can be anywhere from 7 to 10 days or even longer for them to give me what i need. and i called my ex employer and she said she can not give me any kind of statement like that. what am i suppose to do? please someone please help me.

Does Aetna DMO(dental insurance) cover braces? I have an overbite and my dentist suggest that I get braces. Does a DMO plan cover a percentage of the braces or will I have to pay out of pocket?

how long do you have dental insurance for with aetna after being terminated?

Is AETNA a good dental insurance to get? I decided to get it on my own. My job doesn't have benefits. You have to be full time in order to get benefits. I am only part time. Im twenty years old. I have no kids. I want dental insurance for myself. I was going to the dentist but only with pocket money but it just cost to much for me. I make like a est. of 500$ in two weeks. I have bills to pay of coarse. I cant really afford it. So im looking for some dental insurance. Do you think aetna would be good for me?

Any recommendations for affordable individual/family dental insurance? I already looked on google and found a few affordable dental plans for myself...Is there anyone who is currently enrolled? How are the prices? Any recommendations on where i should enroll, or insurance plans i should stay away from? I was interested in Aetna dental plan. Is there anyone whose enrolled with them?

I am looking for individual dental insurance other than Aetna DMO. I live in Northern Virginia. Thanks!? I am so dissatisfied with the dentists on the Aetna DMO network in Northern Virginia. I have been to so many and each one tells me a different story about my teeth and what needs to be done. I know I have 2 cavities that need to be taken care of asap. I also know that I would need a crown for each of them. The dentists so far have said I need to do '6 root canals', and another dentist says that I have 'half a dozen cavities but no root canals. Today the same dentist tells me I have only 3 cavities and nothing else. Two crowns became 3 crowns within the span of 2 weeks etc... Either these dentists can't read the xrays or they want to rip off the patients. I was told my gums are sensitive and I would need to treat them first before my cavities. I have no bleeding, no pain or any such symptoms that would show sensitive gums. I feel so misled. I want to know how much it would cost for me to buy individual dental insurance. Also if you know a dentist who is genuine, pls let me know tx

How much does it COST to get a cavity fixed without dental insurance? I have a cavity that has been hurting and I am going to get it fixed. I have insurance with AETNA as part of my dad's HMO plan but I don't think it covers dental. How much is the estimate cost to get this cavity fixed---with cost of x-rays, etc.? And, if you live in the San Marcos California area, where would be the best dental office to go in the San Marcos California area?

anyone have aetna health insurance w/dental before? how are they?

Is anyone part of Aetna Access Dental plan? It's an alternative to dental insurance. For an annual fee, you get discounted dental services.

what is the best dental insurance plan? I live in St Louis Missouri and I have Health insurance coverage from Aetna, but I don't have any dental plan. What is the best dental plan?

Affordable Dental Insurance in NY? I live in Queens NY and I have no dental insurance. My mother works but she doesn't make a good amount and my father is unemployed. She has medical insurance, Aetna, but it doesn't cover dental and I need to have 1 stupid root canal done and it will cost 2000 w/o insurance. Anybody, I need help. I am also a student in college, so any help, I really need it.

Aetna Dental Plan: DMO vs. Secure T (PPO) which one is better? I'm being offered Aetna dental plan by my employer during the open enrollment period. This is my first time getting the dental insurance for myself and my spouse. We both need extensive work that would cost around $3500 each. I don't know which plan is better for us and would save us money. I would really appreciate your advice. The Secure T plan has an annual deductible of $50 (individual) and $100 (family). Annual Maximum is $1,500/individual. There is no copay for office visit and it covers 100% preventive care, 80% Basic Services, and 50% major services after deductible. The Aetna DMO uses only DMO dentists. There is no calender year deductible and annual maximum. There is $5 copay. Preventive Care: No charge (copay may apply to certain procedures); Basic Services: covered after applicable copay (copay varies by procedure); and Major Services: covered after applicable copay (copay varies by procedure). I don't know what annual maximum and calender year deductible mean. If I choose to go with DMO, would I covered for basic and major services after $5 copay? I don't understand insurance plans as it is my first time applying for one. Please help!

Question about dental insurance.? I'm 19 years old, and I'm enrolled at a technical college, so, I'm still on my parents insurance, I have my parents as my secondary insurance. Anyways, I need to get braces. They cost about $4,800(quoted). My parents have Aetna dental, and I do to through UPS. I was reading about how much it would cover and both of our insurances covers up to $2,300. So, my question. Can both of our insurances cover the cost of the braces? Thank you.

does insurance cover dental implants? And how much do they normally cost? I need several dental implants. Does insurance cover any part of that? I have aetna . What is the cost usually for each implant? Does it hurt?

I have 4 cavities and no dental insurance? My mom already pays about $200 a month on Aetna and has to pay $25 each a month for 2 of her prescriptions. On the Aetna plan she has dental is not included and I looked in the mirror the other day and saw I had 4 cavities. what am I to do? I don't eat crap...I'm lucky if I eat candy once a month!

What would be the best dental insurance for braces ? I currently have Aetna PPO for my son but they cover 0 % and I would be hit with the $ 5,000 bill. Any help would be greatly appreciated. Thanks !!

Do dental insurance deductibles carry over? I have been paying monthly premiums for three years but I have never been to the dentist in that time. My cap is 1500 per year. Does this mean they will now cover the first 4500 since I have not been to the dentist in three years? Or is it a "use it or lose it" scenario. My plan is with Aetna.

Are dental plans worth buying for someone who has no dental insurance? I am currently out of work with no dental insurance. I am seeking other options for my dental care since I have been feeling a bit of sensitivity in two of my molars. These molars have fillings already and I was told I may need a crown. I looked into dental plans, but I am not sure if they are reputable plans to "buy". Also, is it worth it? Plans I have looked at are dental plans by Aetna, Delta Dental, etc. If I need a crown for example, it says I will pay a copay of 400 and above depending on treatments. My question is, is a dental plan something I should be looking into or are there other options

Dental Plans vs. Insurance? Up through my early 20's, I was on my father's state insurance (Aetna), and received amazing dental care. They were always thorough, caring, friendly, and did great work. You really can tell when they're putting in that extra amount of care, to get something just right. Once off his insurance, I bought a dental plan from dentalplans .com, and, despite switching dentists 3 times, received shoddy, uncaring work from ALL 3 (one Afghani, one from China, and one from India. Coincidence? I'm just saying.) They all seemed to be overloaded with patients, I felt like just a number, and the work done was not of high quality. Are dental plans only honored by crappy dentists? What's the reality about this? If you Google this topic, you can tell that most of the "reviews" are clearly written in favor of the dental plans. Is this nothing more than a massive marketing campaign for a low level product that caters to dentists trained in a foreign country or something? This couldn't be further from any sort of racist thing, I'm just going by my experiences and that's what it seems like. I don't care if my dentist is from the 5th circle of Hell! I just want a good one, who cares enough to do GREAT work. And now I need to go again, so I'd like to find out what the low down is, from people in the industry. Thanks, dentists?

Does dental insurance seem like a rip off? I don't know what to do. I try to get these insurance policies but they are like $45 per month and then they will only cover up to $750 per year. I can get get a dental discout card through aetna for $105 a year and i get the aetna pricing. I had dental insurance once before and they actually priced some services like filligs at 40% off wha the dentist charges. I also looked at a university dental school. However, the charges aren;t really a whole heck of a lot lower and you get rookies doing the work. what should I do?

Who should i ask for help with filling out my health insurance ( dental and medical ) papers? My employer gave me the Aetna Forms to fill out. But there seems to be a few options I don't understand. Is it ok to ask my employer to help me with them?Aren't they the right people who can help me out with it? Thanks.

What is the lowest price ever paid for braces? My teeth are not that bad; I doubt that I need them for more than 6 months; I live in Virginia; I have Aetna Dental Insurance....Can anyone give me an estimate based on all that info...Please be specific to my scenario....I'm not interested in a general estimate..Thank You

what do dentists cover with my insurance? i just enrolled for the first time in dental insurance. this is my first full-time job after college. i havent been to the dentist in over 10 years because i wasnt finanically capable to. i have dental ppo from aetna. what does it usually cover? i read the benefits, but they sound foreign to me. do they clean my teeth, get rid of bad breath, etc?

Is it safe to go without health/dental/Rx insurance from now until early Oct? Or is it too much of a gamble? I just graduated college and my insurance ran out. I am taking a job that starts in September and will give me full health coverage 1 month after I start. I am a young and fairly healthy female, although I do have IBS and some other problems, mostly relating to the digestive system, reproductive system, and my skin. I eat a balanced diet and try to exercise regularly. I have only needed to visit the emergency room 3 times in my entire life. When responding, please give me an informed answer, not just yes or no. Please also explain your reasoning. Also, other than Aetna or Cobra, is there any other short-term insurance I can purchase? Doctor's answers especially welcome. Thank you!

how much would aetna cover if i get invisalign braces or ceramic braces? Ok...So im 13 & i need braces but i don't think my mom can afford them but i really want & need invisalign or ceramic braces!We have aetna insurance(dental included) & I really don't wanna wait till my late teens so, can anyone tell me how much invisalign or ceramic braces would cost so that i won't have to break my mom & me & her both can be happy? & Pleaz give me some helpful advice cuz i really need it because i'm hoping to get braces before or after my birthday(in april) & i really want to start off good in high school with nice pearly white STRAIGHT teeth or even before graduation in june please :'-( HELP!!??!! thank you in advance :-) Be some what specific so i can explain to my mom so i can get my braces immediately!!! i live in ohio & some people said it covers up to 100% or $2,500 depending on your plan so i heard & my bottom teeth are straight is just the tops that need some straightening so if i only get a top set wont my insurance cover that?

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Cost to have a molar pulled? Does anyone know how much it would cost with Aetna Dental insurance to have a far back molar pulled. It broke awhile back, and slowly keeps losing more tooth but now it is starting to cause me pain. I am not sure what type of procedure this would be since it is broke could anyone tell me anything. Aetna Insurance located in Houston Texas

I don't have medical insurance because my employer doesn't provide, how can I get dental insurance ? ? My question is (because right now I'm concerned with my oral health more) are there any companies such as aetna, ect that will allow you to get on their dental program without having to be on their health insurance? I really need dental attention but honestly can't afford it

periodontitis treatment,Insurance coverage?? I have Aetna for dental insurance. Can I like get a new insurance now and get them pay for it. Which insurance pays atleast a part of the treatment. Please help me with this ..my treatement is costing me more than 1500 dollars

is AETNA a good health insurance to get? my benefits package came from work, it offers medical from Aetna is that a good health insurance provider? What about Guardian Plan ppo for Dental??

Aetna or Metlife dental....? Which insurance do you think is better ... just got married, and are filling out my husbands job insurance paperwork. Aetna and Metlife.... which do you think is better...? which covers most, I got a lot of things that need to be done, like my wisdom tooth ... all need to be taken out and may need braces? which insurance would cover the most? would be better for us ?

Best medicare insurance for dental ? I just became disabled and qualify for Medicare I have been comparing plans ie Humana BlueCross and Aetna My question is... What carrier has the best coverage for dental. There are some than now offer dental and curious if anyone has a great Medicare approved Insurance Agent in Utah Many Thanks Ali

Any experiences with Aetna Health Insurance? I am looking to purchase health coverage for myself, I am in good health, non smoker, not overweight, on no medications etc. no pre-existing conditions etc. Has anyone had any experiences with the Aetna PPO 7500 with Unlimited Primary Care Visits plus Dental plan? The cost seems reasonable, however I have heard horror stories about insurance companies making rates much higher once you have signed up, and then back charging their customers etc. I really can't afford to spend more then $100 a month. I really only want the insurance in case a catastrophe happens. Any suggestions? Oh and I am self employed...I haven't had any coverage in about 5 years now since I left collage. My friend was charged an extra $100 a month three months after signing up because she was a woman. Clearly she submitted her medical records, and filled out the application stating she was a woman. Her name is CLEARLY female. Three months into it the company called and said "we didn't realize you were female" and back charged her. She obviously didn't lie about her gender.

Aetna DMO ; dental group on list, charged me for something I should not have paid for.? I was reading some questions about Aetna's DMO and how ppl are being overcharged. My husband's plan is DMO; we can go to anyone on the list. Found mostly "dental groups" within the DMO program. Meaning a gazillion dentists are employed there as well as "specialty" DDS's . I read on my husbands insurance that Root canals are 100%' referral required, which I got from my PCD. Upon finish of just the RT, i was charged 96.00. Aetna's website shows they paid the Dentist 100% ; so why did the dentist take 96.00? They had to have their butts set on fire to send Aetna a pre treatment letter. I never got that. I got a half estimate of what to expect but the numbers aren't matching up. I have to get my final crown on this RT(been a month now on one tooth) and I refuse to pay what I already did. I hope they don't get ticked after all they probably have 1000 dollars more than they are supposed to have from one tooth. (quoted 1000 per tooth on RT, crown post and whatnot) I think I paid that plus Aetna paid out 1000 as well. Damn, Im in the wrong business. lol Should I take this one step up and write to the Atty. General of my state? Consumer affair fraud dept.? (state : NJ) I think we are being charged for stuff clearly stated to be 100% paid by Aetna. This dental group IS in the list for DMO.

Cracked Molar, no insurance. Any advice would be appreciated.? Molar cracked, no insurance. Any advice please? I went to a dentist and she said I needed to have root planing/scaling, a root canal and a crown put in on my bottom left molar which is cracked off. Total cost would be around $4,000. I just got a new job so my dental wont kick it for another 3 months or so but the pain is starting to be unbearable I think it is infected as the tooth is very sensitive to the touch and it has a pulsing pain that is keeping me from sleeping. Has any use the stuff on dentalplans.com? Like the GE Wellness or Aetna Dental Access? Will the dentist jack up the prices or treat me differently if i ask about them? Will most dental insurance even cover this kind of stuff on a newly started policy? Any advice would be greatly appreciated.

question about dental insurance? My dentist siad he couldn't get any money from Aetna because my plan is DMO. Is it possible? The dentist clean my teeth and do the other work and I even don't need to pay copayment. Why the dentist accept this plan if they can't get any money from insurance company? HE IS MY PRIMARY CARE DENTIST. Maybe he really can't get money for my case but he get a paycheck from Aetna once a month. He works for Aetna?!

How much are braces? And am i getting a good deal? I have dental insurance with Aetna and recently I was quoted $500 down, $123 a month [for 15 months] for clear braces (top and bottom). My mother thinks we should go elsewhere, is this a reasonable price?

Does anyone know of a good dentist close to Bellmawr, NJ 08031 any experiences? or recomendations? I live in Bellmawr, NJ 08031 and I need to find a dentist that is good but also takes my insurance. I am under Aetna PPO for dental insurance and also we have carecredit I need a good dentist that takes both any suggestions or experiences?

Dental insurance? I have been for two visits to my primary dentist and he has refered me to a oral surgeon to have a wisdom tooth taken out, I ahd the consultation with my oral surgeon and he took x rays and it came to $85 each one total 170. I got a thing from aetna insurnace saying the x-rays was denied, I called them up and questioned them about it and they said it was becasue i already had x rays done this year with my primary dentist. I had called like two weeks before THe insurance, and i talked to a guy and he said that a specialist visist would be covered at 100% and not counted in the two visits, However i said WEll why did you cover the visit but not the x rays when i called today, SHe then says well I think we made an error, I"ll need to process this one again, I said well i was told that i have a specialist benefit, SHe looks for a while and then says "oh yeah i guess you do. Do you think i just screwed myself out of the office visit, Or do a lot of ins. comp. have this unadvertised benifit?

Does insurance cover teeth extraction for braces.? I have Aetna dental and medical insurance. i recently had to get 4 of my bicuspids extracted for braces purpose. I called Aetna ahead to see if the cost will be cover by insurance, they told me yes, it will cover 90%, also on my dental plan it says it will cover 90%. but when I went into the dental office, people from the dental office told me since it's for braces, insurance will not cover. but they didn't even bother to get down my information and call my insurance, so how would they know if it's not covered? I ended up paying with my credit card, cause i really need to get it done. i want to find out if the cost is covered by insurance or not, what should i do next? and if it's covered how do i get reimburse? thank you

I need to know about dental savings plans.? I have dental insurance but they only cover up to 1000.00 worth of treatment yearly. I am very close to maxing out and I have a lot of dental work left to do and my insurance does not roll over until next October. So I the question is... Are these dental savings plans through Aetna, Cigna..etc... worth the money? I would like to find one where I don't have to pay up front and be refunded later... Any suggestions?

Dental/ Ortho/ Smile Care question/? Alright, so I recently found out my insurance (Aetna) doesn't cover orthodontia treatment after 18 years of age. So now Im stuck in a rut. Im a Freshman at a college university so Im basically broke (Lol). My only options are to go to a private dentist and pay like five grand without any insurance what so ever or go to like SmileCare. I noticed on there website they have braces for like $2999 specifically for people in my situation. Should I go there? Can you tell me what to expect? Is it in the same category as Western Dental (yuck!) Also, Ive been told I need to get skin removed between my gap, my two from teeth are "triangular" so i need them shaved to be more narrow, and I need the bottom part shaved also to fix my over bite. Will all of this be included in the full price? If not should I go to my dentist and ask her to do it rather than paying for it out of pocket? Note: I do have DENTAL insurance just not Ortho. Serious answers only please. I hate when people joke around or answer whatever they want and not the actual question.

aetna dental insurance? Is Aetna Dental a division of Aetna Life, Auto, etc. Insurance? Is Aetna Dental an afforable and reputable insurance?

HMO vs. PPO aetna dental health insurance? so my school offers an option to student to get dental insurance from Aetna we have two choices: 1- Aetna Advantage Dental (HMO) for $131 dollars for spring semester only 2-Aetna Dental PPO $235 for spring semester only What's the difference between both? Which is better? Which covers more? Which one would you choose and why? Full Points for best answer

What does Aetna Dental Insurance Cover? I live in NJ. I've been looking at ameriplan and other dental insurances or plans. My ortho suggested aetna but i need braces and my wisdom teeth removed. Does anyone know if they cover these to procedures? And if anyone knows a number i can reach Aetna at to ask these questions please tell me that too. Thanx :) Ok so i called Aetna they said i have to go through a company and if i do indivisual that they'd only cover cleanings. wtf kinda company is this i need to know what it is i'm doing wrong or another to contact them at with no airheads answering phone calls plz help :(

My Aetna Insurance isnt paying their agreed share of my bills!? I work for red lion hotel, I signed up in November of 2009 for health, dental and medical insurance though Aetna. They take exactly $8.90 out for Dental, $17.02 out for Medical and $2.00 for vision from every one of my paychecks. So I Pay $55.84 per month for my insurance. I have seen a gyno and an eye dr. I called Aetna to make sure I was covered before I went to my appointments they said "yes"! I got a bill in the mail for my gyno app and I have to pay the entire Bill of about $200.00 I also have to pay the whole bill for my eye dr of $130.00. I called Aetna to find out why they will not pay the bills, they said well the gyno will not be covered because Aetna doesn't cover preventative care! I had an annual exam! They won't pay it! They said they'd only cover it if I was SICK!!! WTF! The Eye Dr. Appointment will not be covered because its not IN THEIR NETWORK! WTF I asked these jerks if they'd cover these appointments before I had them and they all said yes now they all tell me they will not pay after I had them! Of coarse I'm going to cancel my insurance but can I request to have all the money they have taken out from my paychecks back? since they didn't cover any of my bills and i never use the insurance? they have received $233.36 from my paychecks to pay for the insurance! I feel since they will not pay my medical bills like they had said they would I should get all that money back since I never got to use any of it! I also never used any of there services! My other problem is the hotel I work at doesn't really have an HR anymore they do but they don't so it's not easy to talk to my employer about this. The girl who was the previous HR didn't even give me my Insurance Cards, I had to ask the Accounting department to help me, they are just cards you rip out of the back of the packet. This company doesn't send you cards like Blue Cross Blue Sheild or othe companies do... Also I never got an ID # I was told to use my SOS, well that doesn't work either. I hate Aetna!

I have some dental insurance plan questions (DMO VS PPO)? I'm thinking about switching over to a more expensive dental plan in Aetna which gives me the benefit maximum of 1000 dollars per year. First, I want to give you some of the coverages Aetna gives me in the more expensive plan: Annual deductible for family: $300 preventive services: 100% basic services: 80% major services: 50% annual benefit maximum: $1000 orthodontic services: 50% orthodontic lifetime maximum: $1000 My current plan is mostly a patient co-pay plan. They cover everything in diagnostic procedures and preventive procedures (except space maintainers), but everything else I pay from about 15 dollars up to 280 dollars. so here I go with my questions: 1. the annual benefit maximum of 1000 dollars means 1000 dollars for each member in the plan, right? 2. what does the annual deductible exactly mean? 3. three of my sibling need braces. so does that mean each of them get 1000 dollars off the braces cost? And because its a LIFETIME maximum, it means that you can't get another 1000 dollars off the following year, right? So if this is true, after each of my siblings use up the 1000 dollars, the insurance will cover for half of the braces cost? 4. since orthodontic maximum and annual benefit maximum are two different things, if you were to get braces and get some restorative procedures done, you'd have 2000 dollars to spend total for that year? (for two of my siblings, after their teeth straightens, the dentist needs to do other things to some of their teeth to completely get rid of the decay) (I just need advice on the following questions) 1. the current insurance plan (DMO) is $16, and the more expensive plan (PPO) is $56...which is cheaper for my family?---is the ppo plan worth it? 2. how expensive are braces in New Jersey or nyc metropolitan area?---would it be cheaper to just keep the current dental plan and go to a dental school for the braces? I know these are a lot of questions...but I really need help to make the right choice here...my parents aren't good at english, so they're relying on me to help them make the right choice. And my family is in a lot of financial strain, but we need to get my siblings' teeth treated as soon as possible or we might have to extract them and give them bridges. it wasn't really their fault that their teeth are decaying...its just that their teeth are so unaligned that there are some surfaces they can't reach with the tooth brush... Please! I'm desperate for help! oh, and the DMO plan has nothing for orthodontics

I don't have medical insurance because my employer doesn't provide, how can I get dental insurance ? My question is (because right now I'm concerned with my oral health more) are there any companies such as aetna, ect that will allow you to get on their dental program without having to be on their health insurance? I really need dental attention but honestly can't afford it

dental insurance + discount program? I came across a program by Aetna called the vital savings dental program which is not insurance but rather discounts for dental procedures. I have an HMO from my employer which unfortunately sucks. I guess I have a two part question: 1- can dentists accept both if they are a qualified provider for both programs? 2- If so, will it limit my out of pocket costs? thanks to all in advance

Aetna dental insurance? does anyone know how much the Aetna dental ins. covers for a tooth pulled? i need to go asap but dont have money right now and was wondering if anyone knew what it would cover. thanks

Which dental insurance would you choose from this list and why? What would you pick? What do you think would be best for me? I am 18 Have medi-cal dental insurance Need cosmetic procedures done. Fillings and all porcelain crowns(teeth chipped had root canal). I am probably going to pay for the two that chipped out of pocket because i need it asap. But one of my molars just broke so I need medical insurance because I can't pay for all three procedures. Plus I am a full time college student. Health plans accepted include: * Aetna DPPO * Ameritas PPO * Cigna Dental PPO * Delta Dental PPO * Dental PPO * DentalGuard Preferred * Dental PPO * MetLife PDP * Advantage Plus PPO * Dental PPO If you have any other suggestions that would be great! Thanks I will be paying for the insurance by myself

How does my insurance work? Aetna SRC? I signed up for my insurance through my employer (cvs), which I work part-time with. I got offered insurance, so I chose dental, which has been taking $4.45 out of each paycheck for almost 4 months now. HOWEVER - It says exams, panoramic x-rays and prophylaxis, which I hope means cleanings, have NO waiting period. They each have next to them "limited to one procedure every 6 months". I just got back from the dentist, I had a $145 panoramic x-ray which has been submitted to them, and the first part of a cleaning that was NOT covered by insurance (paid out of pocket), and I am going to the 2nd and final part of the cleaning which is covered. How does the company pay for this? Around $120 or so has been taken out of my paychecks total since coverage started , maybe less. Are they going to reject the claims? Because during one call to my insurance company, they said that my coverage was terminated; but another call AFTER that said my coverage was still on as usual, which I would hope to be the case as $ is being deducted from my paychecks.

I work for a company in the state of ohio that does not offer dental inurance, where can i obtain coverage? I checked with aetna and cingna but you have to also purchase health insurance to get dental.

could you have 2 dental plans and how much does it usually cost? i braces but aetna(my insurance company) doesnt cover it. So that means that i have to pay for them...when i went to the ortho. he said its 1,500 down pay. i dont habe that money right...and recently ran across this commerical for western dental and they said they do no down payement but there only one catch i habe to pay for the dental plan.. so does anyone know much much a dental plan for westen dental cost

New to Health Insurance? Im a part-time employee and recieved medical and dental Health insurance from Aetna. I pay about 22/wk. It takes away from my paycheck automatically Iam trying to goto dentist for cleaning and doctor for a checkup. Up to now, I have only payed the 22/wk for about 3 months. I have not paid the 100$ deductible stated. If i goto the doctor for a checkup, what are my costs going to look like. Do i have to pay the deductible and co-payment?

Best cosmetic solution? - Bonding, Veneers, or Crowns? Hello All! I'm 24 and I don't have any dental/health issues (gingivities, etc), but I would like to improve my smile. I'm not missing any teeth & my teeth or fairly straight... however, my smile can be improved. The edges of my teeth aren't straight - let me try to explain - the part of your teeth that pierces the food isn't straight. When I smile and my top teeth rests on my lower lip, you can't see it. However, if I do a big "teethy" grin you can see that they aren't straight. Could bonding help this? I know veneers and crowns would work b/c it'll just shave down my teeth and give me a whole new set - but is that necc when I just want my teeth smoothed out? I have Aetna dental insurance & don't want to spend a fortune, but I do want an EXCELLENT, straight, white smile for my wedding (which isn't for another yr btw). Serious answers only plz. HELP!! Thanx

Questions about braces. & Insurance!?!? please answer (:? Okay, I'm about to be 14 & I live in Ohio(No idea if that's needed?). But anyways, my parents have Aetna Insurance & I do believe dental is included. I have not so good of teeth... ha ha, so I was wondering 1. If anyone knew how much the insurance would pay for braces? 2. I need fillings(2 cavities) Do I have to have the fillings put in first before I can get braces? &3. How bad does it REALLY hurt, spacers, the braces, ect ect. & any tips on how to make it subside? THANKS SO MUCH!! OH & 4. How much is the down payment on braces, that you HAVE TO PAY UPFRONT?

Accidentally paid for something my insurance covered!? I, so far, spent about 600 dollars on dental restoration procedures...I found out today that my insurance (Aetna DMO plan in NJ) covered for all of that. Is there a way I can somehow get that 600 dollars back? Please help! Also, do I need to show them the receipt for the fees I paid?

Are medical procedures such as heart attack, cancer, or something major very unaffordable even with insurance? I have great medical insurance and dental, through Aetna. The only downfall is that they ONLY cover 50% of psychiatric/psychology. Which is a shame, since I truly believe that this country can really use a better mental health care system. I've unfortunately been to the ER countless of times, due to being sick and asthma, but I'm working at better maintaining my health. The total expenses weren't too high, they were anywhere from $400 to $4000 ish, for one visit, the $4 grand one including full xrays, CT scan, ekg, etc, and with insurance they all came down to about $50 to $200 ish, after going through insurance, so it's not unreasonable, and they DO have payment plans. However, what if something major happened. Surgery, heart attack, cancer. Wouldn't that catapult the total costs into the $100,000 range? And even if I have insusrance then, how much would they cover? This really scares me. Should I be saving alot just in case? How do we prepare for this? Also do I need separate insurance to cover an extended stay in a hospital just in case, or is what I have now all you need? I'm confused, and scared, and what to take preventative measures before something awful happens/if something were to happen. to the first replyer: I understand that, but if you had a major heart attack or ongoing treatment, hospital stays for a long time, cancer, I doubt you'd just pay your $50 copay and that's the end of it.

Good dentist in San Antonio 78230 zip code? Does anyone know of a good dentist in the San Antonio area. Near the 78230 zip code would be good but no required. Just getting dental insurance and my old dentist does not accept my new dental plan. Aetna Texas Advantage Plan. Any help from anyone in the area would be appreciated. I don't want to go visit Dr. Issac Yankem DDS (for all you wrestling fans out there). Thanks again!

I have a few questions about braces, insurance, etc? Here goes. 1. If you had x-rays taken about 2 years ago, but then go back to the same place, do they give you another x-ray, or can they just look at the one from before? 2. Does anyone currently have dental insurance AND a dental discount plan, like Aetna? If you do, is the discount plan worth it, and are you even able to get a discounted price if you have insurance, too? 3. Adult braces. My teeth are crowded on the bottom, we're talking a rotated tooth and not a lot of room. My top teeth aren't too bad, aside from one tooth that's pushed a little back from the other 2 (a little like Jewel). I've heard a lot about the 6 month power braces, as well as Damon brackets, but has anyone actually had them? If you did, about how much did it cost and how long did it take? Thanks to anyone that can help!

Health Insurance Question...? Alright, so I am covered under my dads company insurance for health and dental. He has insurance by Aetna, and I was planning on moving out soon. So, I was wondering, if I go to school full time at the local community college, as I have been for the last year, will the insurance policy still cover me even though I don't live with the parents anymore, but I would still be in school full time. And I am 19, almost 20.

Best dentists in Fort Collins CO area? Do you know any good dentists in this area. I have a dental phobia (seriously) and I have 2 cavities that were taken care of awhile back. One of my fillings fell out and I am in a ton of pain because there's a small hole in my tooth. I have Aetna health insurance with dental, IDK how much it even costs out of pocket if they don't take it. I just want the best for a coward like me, lol.

Has anybody had any sucess getting a SnoreGuard device for their sleep apnea, rcving full benefit frm insurnc? I have Aetna insurance and they have been giving me the run around in not being clear with me on how I get full benefit if I get a SnoreGuard sleep apnea device created. They have told me I will get 90% coverage if it is billed under medical. All dentists I go to only bill under dental which Aetna only gives a 50% coverage to me. I have yet to find a dentist or oral surgeon who bills under medical and I find myself at point A, after going to 2 separate dentists/oral surgeon in search of them creating this device for me. This is ridiculous. All I want is a Snoreguard for my sleep apnea. Use of the CPAP machine is nuts in my case.

I am having an insurance dispute with my dentist...any advice? My wife is enrolled with aetna dental...due to mistakes by apparently both my wife and my dental office, her root canal was not billed until 6 days after 1 year of the procedure, which aetna says they won't cover due to the claim being a year old. Now we have a bill for a root canal for 2500 dollars...how should we handle this. What would be a price to offer for the root canal to settle this. Thanks.

I recently got my benefit information from my future employer.What is the best way to choose health insurance? Options: PPO HMO Aetna Healthfund 80 Aetna Healthfund 90 I'm 24 and consider myself to be healthy. I am a bit overweight. I would also like to ask if $149/mo. is expensive for dental and health care coverage?

Question about braces and insurance? Ok my mom's job (she's a hospital nurse) went bankrupt so then another company took over. She had to get a new dental and health insurance thing and they were supposed to start taking money directly from her paycheck. They'll take it this upcoming paycheck and yeah. Well I need braces and my mom said that since it just started I can't get them. Is that true? And is it possible to get braces without insurance and then when it kicks in, you can start using payments with insurance (sorry if that doesn't make any sense!). BTW the insurance is called Aetna.

Question for Bert (or any other dental students/dentists)? First off, thanks to Bert for the expert answer on my earlier question about xylitol. Ok, so here's the background. I have the worst teeth. I always have cavities. My mouth at this point is more fillings & crowns than natural tooth! So back when I was a teenager & in college I admit to neglecting my brushing and flossing, but now that I'm an adult I've been really diligent with the brushing & the flossing for years now. When I go for cleanings, my dentist says my teeth are very clean. Former dentists said cavities were caused by not brushing enough. If you're getting cavities, you must need to brush more. My current dentist (who I love) was the 1st one to tell me that some people, despite good brushing habits, are just more prone to them. He mentioned weak enamel and having more bacteria in the mouth as possible reasons. He gave me some Chlorhexadine mouthwash to use to help reduce bacteria, but basically said, "you'll keep getting cavities, your teeth are just weak, live with it." Which sucks, so I started doing my own research. Somebody on this site suggested GC Tooth Mousse Plus, which I purchased 1 month ago. I put it in a custom bleaching tray and leave it on my teeth for 30 min every night before I go to bed. Then I happened to be on my Aetna health insurance website, and saw a blurb about xylitol and an Aetna discount to buy xylitol products from a company called Epic Dental. So, I bought some Xylitol mouthwash and tons of gum. So, my questions are: If Tooth Mouse & xylitol gum really work (if they do???) then why didn't any of my dentists ever suggest them? Because they're so new? Bad dentists? Because maybe the products don't really work that well? And is there anything else I can do? I plan to continue the GC Tooth Mouse plus every day before bedtime, as well as chew 2 pieces of xylitol gum after every meal. Or would I be better off to chew 1 piece after each meal, and a piece after any snack, so long as I get 6 pieces in a day? Any other suggestions? I'm so afraid I'm going to end up in dentures (like my dad- ugh!). I've already needed 2 teeth pulled an am hoping to save enough $ to get implants. But if my teeth are going to be a lost cause anyway, I don't know if the implants are going to be like throwing good $ after bad. What do you think? Any hope for someone like me? And should I continue w/the Chrlorhexadine mouthwash? How often? Instead of or in addition to the xylitol mouthwash? Or is that really overkill?

Is this a good price for insurance? I'm currently getting health insurance for me and my wife through my employer (who says they pay half). We have United Healthcare, and Aetna covers our dental. Under this plan we also have vision coverage. I'm currently paying $320/month for our coverage and I'm think that we are paying way too much. I've talked to other people and they tell me they are only paying between $100-200 a month for the same amount of coverage. I'm 24 and my wife is 22 and we are both in good health and don't smoke - Does this seem like we are paying too much? If so, is there any kind of personal coverage we could get for cheaper that covers vision, dental, and medical?

New Age Dental's Dr. Richie Lerias aka Mommy Dearest? Has anyone ever had a Dentist go off like Joan Crawford from Mommy Dearest? I have been going to Skokie New Age Dental for castings and molds for a complete set of dentures. I've ask questions such as what Dental Lab do you use and what are the steps for extractions? Each time the dentist Dr. Richie Lerias has been offended and given me answers such as."Why are you asking?", "I'm a professional and I use a professional Lab." "I extract teeth professionally." "Don't be a problem." My dentures and extractions will cost over $3,000.00 and I will have to live with the dentures for at least ten years. As well as it's my mouth and money so I feel I should be able to ask all the questions I want and they should be answered with a smile. Well when the final upper denture were made I noticed black spots and a hair had been cured onto the surface of some of the teeth! When I questioned these things Dr. Richie Lerias told me he would give me the address of the dental lab and I could take the denture there and ask them to fix it. I was shocked. Now he'll tell me the name of the Dental Lab and wants me to solve this issue! I said to Dr. Richie Lerias, "I'm paying over $3,000.00 and you want me to solve this problem?" Dr. Richie Lerias responds, "The lab will charge me if they have to replace a tooth and I'm not paying for that." "You can hardly see the hair anyway." I told him these are not $10.99 dentures and for the money I'm paying I want the dentures as perfect as possible. If you buy a new car at a new car price, you don't want dents and dings on the frame do you? Well his response was to show me what a male Joan Crawford would look like. His eyes glazed over. He ripped off his protective lab cover, roughly peeled off his gloves, slammed the dentures on the counter and yelled "I will not have you criticize my work! I'll keep these teeth and refund your money!" At that point I'm all for it. I don't want Mommy Dearest anywhere near my mouth. He might use a wire hanger for the extractions! I rush off to the restroom (stress makes me need to go) and when I came out of the restroom, Dr. Richie Lerias was standing there with the Dental Assistant and the receptionist Monica to confront me Again and remind me that HE WILL NOT HAVE HIS WORK CRITICIZED!! Stay away from Dr. Richie Lerias at SKOKIE NEW AGE DENTAL, MORTON GROVE NEW AGE DENTAL and PALENTINE NEW AGE DENTAL unless you want teeth with hair and want to get in trouble with Mommy Dearest aka Dr. Richie Lerias. I'm giving the Managing partners a day to respond to my complaints, and then I'm reporting this to the American Dental Association, the Illinoiss Dental Association, The Better Business Bureau and Aetna Insurance my insurance company. Has anyone else ever experienced this type of situation and what did you do? If this happened to you, what would you do?

Health Insurance-Fairmont Premier Ins. Co.? Does anyone have a policy with this company? I'm trying to find new family health insurance because the premiums through work are very high. This health insurance through Premiere quoted me $459.85 per month (me, husband and son). They give you a drug card for Rx's through BCBS of Oregon and its a $15 copay (which is excellent). They also cover a portion of dental through Aetna Dental. She said something about we would be billed a portion of the pre-negotiated bill for a doctor visit after Fairmont pays. Anyway, does anyone have coverage through Fairmont? Are you satisfied with it? Do you end up paying more than you thought?

Health Insurance question: copayment calculated by what? I had a service done for crown on tooth. My Aetna dental plan covers 60% of charges for such service leaving my copayment at 40% of charges. So I get the crown. The dentist submits claim to Aetna for $955 for this service. Well Aetna has struck a deal with numerous dentits in area and "Charges at Aetna's Agreed Pricing" for this service are $812 for Aetna members as myself, and not the $955 they would charge an uninsured person. Aetna says my responsibliy is 40% of charges, no complaint there. My complaint is they say that's 40% of $955 or $382. Then Aetna pays the balance which is $430. ( $812-$382 = $430) So the dentist gets his $812 which is the agreed to price for service, Aetna pays $430, I pay $382, how is that a 60/40 split that really is 53/47 split and i'm out $57.20. Am i being scammed or what? I already emailed Aetna and of course they are claiming that's how it's done, but i think they are scamming me. What do you think?

I have Aetna DMO and they don't pay for anything. I just spent 450 on a root canal. My job does not offer any alternative insurance for dental. Is there any way I can get a better dental plan?

Dental Benefits!!!!? I just went to the dentist about a week and a half ago to get my wisdom teeth pulled. I got a statement in the mail saying I owed $480 dollars and got home and got mad because I have insurance it says it was sent on 4/25/07, then I went online to aetna my insurance provider and it says claim was paid on 4/26/07, so I don't owe anything right untill I get my statement from my insurance company for $84.40, because no way am I paying $480- dollars, I never used my benefits yet and not sure how this works... No, what happened was I got a bill today it said I owed $480, then went online to view my claim to see if the dentist actually really paid anything. Said charges submitted $480, Charges at Aetna's Agreed Pricing $221.00, your plan paid $136.60, and then it says your responsibility $84.40, but how come they just didn't send me the bill for $84.40 which I am pretty sure is what I owe, they sent me a bill for $480, but it says the bill for $480 was sent on 4/25 and claim was paid on 4/26 is that why maybe they paid after they sent the bill. I couldn't really talk after I got my wisdom teeth pulled cause I couldn't move the gaze pad to stop the bleeding. The receiptionist said that they would send me a bill but I thought she said it would say I would owe $0 first maybe she ment it would show no benefits taken off and then real bill, really confusing and I gotta go back for cavities I dont want to deal with this!

Help! Health Insurance Plan Advice? I'm having a difficult time deciding on a sensible health plan in my open enrollment package... My company insurance pays over 90% of medical expenses on average. The insurer is Aetna. My average income is about 25K per year. I am a full time college student, living alone. My medical needs are minimal... a couple of normal daily prescriptions and routine examinations. I have had a family doctor for 16 years who is very lenient with my retail health care costs, and is in the network of preferred providers. Coverage (even low level) comes with visual and life insurance, and the dental options are just a couple bucks a month. The PPO plan runs 113.00 per month. This leaves my provider options open, annual deductible of 200.00 and a 2,000 maximum "out of pocket" (not including copay, coinsurance, or deductible). This plan has a $250 copay for hospital inpatient, and pays 90%. ER is 100 copay then 90%. The remaining services have an affordable copay with 100% coverage. The EPO (higher) is a pretty 102.00 per month, and models an HMO. No deductible, 1500 maximum out of pocket, 100% coverage on each benefit, and a cheaper hospital/ER copay of 75/100 dollars. To me, this somehow seems like a sweeter deal... (given my docs are in the network)... The lowest option is 63.00 per month, no deductible, 2,000 max, and covers most benefits at 100%, except inpatient (250 copay, 80%)... The emergency copay doubles, the remaining copays just go up about 5 bucks. It seems to me... the best "deal" is the EPO (higher) plan. I don't understand how the PPO can be more expensive, offer less coverage, and be a better plan. Is this all related to "network" providers? Even so, the higher EPO is pretty dang expensive. Its going to cut a big chunk from my regular pay (2x the smaller EPO). As a young woman with a (thus far) clean bill of health, would taking the smaller option be a better "bet" for me? I'll save nearly 500/year on the smallest plan, but if a hospital visit pops up I could be left so broke I can't pay attention. In the opinion of you experienced insured workers out there.. what is best for a single student? Take a smaller plan and save precious dollars? or take the bigger plan "just in case"??

Where can I found a Dental Doctor with a low price in Duluth, GA or near? I have an insurance with Aetna & we went to our doctor and she asked for a root canal treatment only 1553$ with the insurance & 3095$ without Insurance. But we see this is too much and for Gum treatment for 2050$ (without insurance), And (with insurance) it will be about 1800$, And I think its too much too. Some of my friends recommended me to see Clinic but can I ask them about their prices or not? And how can I found them? Can anyone help me with this? Thanks alot

Dental claim Question? My company was bought out in May 2007. My insurance provider before we were bought out was Delta. Under the new care, we have Aetna, and basically thrown into a dental plan as a hew hire.(Technally weren't new hire's though). So, in early November, I had oral surgery done. My Dentist wants over $1100. I was under the impression that my insurance would cover it. WOW. Was I wrong. Apparently I have to be with Aetna for a year, before having major work done. NOBODY Informed me of this. I have the documentation that I was given, and nowhere does it state must wait a year. Can you give me any suggegtions/advice for when I submit my claim letter. I really don't feel like I should have to pay. Thanks in advance ;)

wisdom teeth? I just find out that my wisdom teeth is growing now. But I think my medical insurance (Aetna) does not cover dental service. I will back to my country in 60 days, can I wait until that time to visit my dentist. Or I have see the dentist now to check whether I need to remove the teeth ASAP?

Health Insurance... Is this a good one since NASE isn't? I recenlty asked a question regarding our health insurance and was adviced against who were currently using... which I had already figured it wasn't a good one, and appreciated the confirmation. I spoke with a rep over the phone, seems so easy and fast, and he represented different places, I think it was ehealthinsurance.com and filled out their survey. A rep called me and he recommended the following. Is this one a good one? $299.00 per month (one time enrollment fee of $120.00) Rate guarentteed for 3 years. Month to month plan - no long-term contract. US LIFE and AETNA $35.00 doctor visit Perscription $10 copay for generic and $50 for name brand No deductable for prescriptions Lab and diagnostic imaging... 80% covered, no deductable. Requires a health check and physical paid for 100% Hospital and ER $100 deductable, cover up to $3 million Dental, vision and chiropractic care with AETNA... Covers orthodentic at 70% - no waiting period. (specific drs for

How can I provide the following for a baby sitter? Medical HMO and PPO plan offered. Plans from are Aetna, Kaiser. Dental DHMO and PPO plans from CIGNA Dental are offered to benefit eligible associates. Vision Vision Service Plan (VSP) is offered to all our eligible associates. Life & Accidental Death Insurance Basic Term life and accidental death and dismemberment (AD&D) coverage is issued at no cost. In addition, eligible associates are given an opportunity to purchase additional coverage. Supplemental Life & Accidental Death Insurance In addition to the coverage provide by the company, you may purchase an additional amount of Supplemental Life and Accidental Death and Dismemberment (AD&D) Insurance for yourself and children. Flexible Spending Accounts (FSA) Flexible Spending Accounts allow you to set aside pre-tax dollars for out-of-pocket health care expenses not covered by the medical plan and dependent care services for eligible children and other qualifying dependents. 401(k) Savings & Retirement Plan

is AETNA a good health insurance to get? my benefits package came from work, it offers medical from Aetna is that a good health insurance provider? What about Guardian Plan ppo for Dental??

The cost of a Diabetic Check up in the US? I am a British citizen that has just moved to the US to work for 3 years. I have diabetes and have aetna medical and detal cover, that I am only supposedly have to pay $20 for each visit. Not to bad I thought. I broke my foot 4 months ago playing Football/Soccer and it cost me $120, even though i had medical insurance! I went to the dentist and it cost me $300, even though I had dental insurance! Back in the UK I had my Diabetic prescriptions and check-ups all for FREE, as well as health care alround. I would be very grateful if anyone can anyone can tell me how much I might have to pay on my first Diabetic check-up ? Thanks Andrew Thanks to everyone that has made some suggestions. The funnyest being that maybe I should fly back to the UK and get it all done there, might be cheaper. Ha! You might be right. We will see. I dont know how to add to reply to the helpful messages that are being sent. It not like a forum this site, or I cant see the button to 'reply to topic' or something like that. Thanks Sue! I have an appointment for this Monday so we will see.

help. I don;t know what insurance plan choose? Hi. I am full-time student who goes to major university at Chicago (DEPAUL). Should I get Aetna IL Preventitive and Hospitalization plan for $48 per month ($1250 deductible, coin 20%, coin max $2500) or IL 5000 ($5000 deductible, but has copays for doctors and specialist before deductible for $49 per month, same coin and coin max). Or should I get BCBSIL for $43 per m ($2500 deductible, 20%, but only $1000 out-of packet max). I am with no health insurance- I only have health plan provided by my school ($80 per quarter) that covers the visit to internal medicine doctor (no refferals to specialists). My parents don't have insurance. I am currently 19 and work part-time (little dangerous job as I work at stockroom with heavy lifts sometimes). I already have from Aetna provided by my schoo lcheap vision dental discount plan. And by the way can I apply for medicaid on my own or I must as family? I am still depentent and live with parents.

Has anyone used their Tonik Health Insurance Plan? I got a Tonik 1500 plan. It is a Blue Cross plan. It was last year and I still never used it. Anyways I pay about $150 a month. Through my new job I could switch to a group plan with Aetna but I would still have to contribute around $150 month and I wouldn't have dental or vision. Any ideas? The deductible would drop a little, but then I would have to keep paying on the Aetna plan where I don't pay after deductible on the Tonik plan. Does anyone have positive or negative feedback about Tonik health insurance.