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Dental work?

Currently my family has United Concordia dental insurance. My wife was diagnosed with a gum disease this morning. We found out she needs 3 root canals, and 5 cavity fillings. My current dental plan will cover about $600 of the bill. The dentist is estimating about $7000 bill. 1 - Does $7,000 sound right for this amount of work? (5 fillings, 3 root canals, 3 crowns) 2 - Could I get another dental insurance like delta (while keeping my united concordia as well)? Could I use both? 3 - What would happen if we decided we could only afford 1 or 2 root canals now? Would it be stupid to wait until Feb for the new year to kick in on my dental insurance? 4 - How should I go about paying for this? I have only about 1500 or 2,000 of spare money to put to this? Should I dump it on a credit card, take out a loan from wells fargo, take out a student loan..? She is getting the 5 cavities May 8th, and the first root canal May 12th, so I need a sound plan before then.

Public Comments

1. Ask your dentist to prioritize the treatment. Then you can maximiz your benefits this years and next. I work in the dental field and don't think this is an unreasonable fee for that amount of work. They have special dental credit cards that will give you time "free from interest" Your new dentist should have someone who can help you set all of this up. This is not an uncommon problem, so don't feel like you are making an a$$ of yourself. The most important thing to remember is once she gets all of this work fixed, she needs to see the dentist on a regular basis so she isn't in this predictament again. Good Luck!
2. Im sorry to hear that. Im glad you are looking to take care of the problem ASAP. I would encourage you to visit this website: www.healthsavings.ourperfectcard.com I signed up online about 3 years ago now for all my dental work. They have saved me thousands throughout the years as a supplemental from Root Canals, extractions, exams, x-rays, cleanings…etc. All services are included (cosmetics surgery) in this very affordable plan. There are no contracts, no limits and no deductibles. I use this plan as a secondary, to cover what ever it can when the insurace is maxed or met it limits. They even had my benefits active in 2 hours and able to use them the same day. Good Luck and Hope the Helps.