Question more or less dental insurance and preexisting conditions?
I have a tooth that is hurting feebly and needs a root canal or an extraction. I go to a dental center for a free consultation and got x-rays and a prescription. A few days later I talk to my dad and he told me he could provide me with dental and health insurance. So my examine is, once he adds me to his preexisting plan, will they cover my root canal, or will they know roughly speaking me going to this free consultation and deem it a preexisting condition?
Answers:
idk
Depends on his plan. If it's individual, there are long waiting periods, and the coverage is pretty crappy. If it's a group plan, okay, the coverage still isn't so hot.
As long as you don't expect to have more than half of this rewarded for you, you won't be surprised. Source(s): agent, 21+ years
Report thjis condition before you get your policy if you don't afterwards it will be fraud which means alot of trouble. Many times if you have a preexisitng they will not cover your for a definite time period then coverage will commence.
Just like medical insurance, your dental insurance may not cover conditions that existed before you enrol in the plan.
Some plans do offer that. For example, this is quoted from dental4less.com:
"This plan have several advantages over traditional dental insurance plans, namely, there are no exclusions for pre-existing conditions. This allows a patient to receive instant coverage for work without meeting any waiting extent requirements."
You will need to ask and confirm with your dentist whether his plan will cover your root conduit or deem it as preexisting condition.
Hope you get better soon. Take care.
Best regard,
Chokyi Ooi
Read more dental insurance related articles (a)
http://insurance.chokyi.com
Related Questions:
Answers:
idk
Depends on his plan. If it's individual, there are long waiting periods, and the coverage is pretty crappy. If it's a group plan, okay, the coverage still isn't so hot.
As long as you don't expect to have more than half of this rewarded for you, you won't be surprised. Source(s): agent, 21+ years
Report thjis condition before you get your policy if you don't afterwards it will be fraud which means alot of trouble. Many times if you have a preexisitng they will not cover your for a definite time period then coverage will commence.
Just like medical insurance, your dental insurance may not cover conditions that existed before you enrol in the plan.
Some plans do offer that. For example, this is quoted from dental4less.com:
"This plan have several advantages over traditional dental insurance plans, namely, there are no exclusions for pre-existing conditions. This allows a patient to receive instant coverage for work without meeting any waiting extent requirements."
You will need to ask and confirm with your dentist whether his plan will cover your root conduit or deem it as preexisting condition.
Hope you get better soon. Take care.
Best regard,
Chokyi Ooi
Read more dental insurance related articles (a)
http://insurance.chokyi.com
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