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Medical Forum / General / Dentistry / November 2004HELP: personal dental insurance query (Ontario, Canada)
I'm writing this on behalf of a friend (toronto, single male, 36) who is considering buying personal dental insurance. He has a low-paying job with no benefits, and he needs to have a root canal done soon (approx. $1000 cost). Can he get some sort of dental insurance in short order that'll substantially cover the cost of the procedure (and any possible future root canals/dental treatments)? Any specific insurance company recommendations? Any other tips or advice would be most helpful. thanks in advance, marko p.s. one person said to buy some travel health insurance on a future trip and have the root canal done there claiming it was an "emergency". this seems like an interesting idea, that is if it's not considered to be fraudulent. >I'm writing this on behalf of a friend (toronto, single male, 36) who is >considering buying personal dental insurance. He has a low-paying job with no >benefits, and he needs to have a root canal done soon (approx. $1000 cost). >Can he get some sort of dental insurance in short order that'll substantially >cover the cost of the procedure (and any possible future root canals/dental >treatments)? Any specific insurance company recommendations? Good question! Some insurances have al ist of doctos who will do it for the $600 and they pay 50%. >Any other tips or advice would be most helpful. > [quoted text clipped - 3 lines] >have the root canal done there claiming it was an "emergency". this seems like >an interesting idea, that is if it's not considered to be fraudulent. It will not work! I really don't understand this concept of dental insurance. It's like having no auto insurance, then you have an accident, then you buy insurance to pay for the accident. 1000 is a bit much for a root canal. I don't know how things work with our good friends to the north, but, in the states, if one can not pay for that treatment, there are other options. These should have been discussed if finances are a problem. Plus, there are other jobs out there with dental benefits.  SignatureShad Lewis www.WyomissingSmiles.com > I'm writing this on behalf of a friend (toronto, single male, 36) who is > considering buying personal dental insurance. He has a low-paying job [quoted text clipped - 16 lines] > like > an interesting idea, that is if it's not considered to be fraudulent. >I really don't understand this concept of dental insurance. It's like >having no auto insurance, then you have an accident, then you buy insurance >to pay for the accident. Yeah, I thought that too until the dental fees skyrocketed. A molar root canal was around $300-$400 ten years ago ...... or was that 20? The insurance holds down costs ...... Errrr, fees. Joel >1000 is a bit much for a root canal. > [quoted text clipped - 3 lines] > >Plus, there are other jobs out there with dental benefits. Forget about inflation, and cost of living? Sorry, but everything does need to go up in cost. I remember that, in the 70's, my dad bought a brand new Pontiac Grand Prix for 3,500. They cost over 18 K now. They built their house, property included, for 28,000. Someone can now build the same exact thing for over 150k. SignatureShad Lewis www.WyomissingSmiles.com >>I really don't understand this concept of dental insurance. It's like >>having no auto insurance, then you have an accident, then you buy [quoted text clipped - 18 lines] >> >>Plus, there are other jobs out there with dental benefits. >Forget about inflation, and cost of living? Sorry, but everything does need >to go up in cost. I remember that, in the 70's, my dad bought a brand new >Pontiac Grand Prix for 3,500. They cost over 18 K now. They built their >house, property included, for 28,000. Someone can now build the same exact >thing for over 150k. Yeah I cannot believe it either ..... Even used houses are way up in price ...... >I'm writing this on behalf of a friend (toronto, single male, 36) who is >considering buying personal dental insurance. He has a low-paying job with no >benefits, and he needs to have a root canal done soon (approx. $1000 cost). >Can he get some sort of dental insurance in short order that'll substantially >cover the cost of the procedure (and any possible future root canals/dental >treatments)? Pre-existing condition, not usually covered. >Any specific insurance company recommendations? Nope they are all pretty much the same. -- W_B wubbabubbazG@RBAGEyahoo.com Take out the G'RBAGE >I'm writing this on behalf of a friend (toronto, single male, 36) who is >considering buying personal dental insurance. He has a low-paying job with no [quoted text clipped - 10 lines] >have the root canal done there claiming it was an "emergency". this seems like >an interesting idea, that is if it's not considered to be fraudulent. Insurance companies aren't out to help you. They are out to make sure that they pay out less money than you send to them in premiums. Skip the headache of insurance and just pay fee for service. -- Adenosine Semi-informed Dental Consumer ? >Insurance companies aren't out to help you. They are out to make sure >that they pay out less money than you send to them in premiums. Skip >the headache of insurance and just pay fee for service. > >-- >Adenosine Right, unless your employer chips in. And even then don't expect much. -- W_B wubbabubbazG@RBAGEyahoo.com Take out the G'RBAGE Have your friend call the Univ. of Toronto Dental Clinic. 416-979-4927 They bill at about 50% of the current fee guide. By the time your friend buys insurance, holds on till the waiting period is over and pays the deductible. He will probably end up paying at least 50% with the insurance plus the insurance . SignatureRoy DotSeaEh is .ca | I'm writing this on behalf of a friend (toronto, single male, 36) who is | considering buying personal dental insurance. He has a low-paying job with no [quoted text clipped - 10 lines] | have the root canal done there claiming it was an "emergency". this seems like | an interesting idea, that is if it's not considered to be fraudulent. |
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