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Full Coverage Dental Insurance for Dental Fillings
Question: I recently visited a dentist after enduring toothaches for a while. Due to financial constraints and a general aversion to dental visits, I hadn’t seen a dentist in over five years. Fortunately, I found a dentist who offered a check-up and cleaning at a price I could manage. This was a huge relief. However, he informed me that I have two large fillings, and one of them might need a crown. The potential cost would be around $250.00 to $600.00, depending on whether or not I need a crown. I compared prices with another dentist, and he’s being fair with his estimate. The problem is that I don’t have $250.00 or more if the crown is indeed necessary. Do you know of low-cost dental insurance plans that cover fillings and crowns entirely so I don’t have to worry about the costs? Alternatively, are there any places where I can receive free dental services without needing dental insurance? I’m not trying to be cheap, but I simply don’t have the extra money to spend on dental care at the moment. If a dental insurance plan can offer the coverage I need for free or at a low cost, I can afford to pay around $20.00 a month for it.
Response: I’m sorry to hear about your dental concerns. It’s fantastic that you found a dentist who offered a check-up and cleaning at a manageable price. I understand that you’re understandably worried about the potential costs associated with large fillings and possibly needing a crown, especially given your financial situation.
It’s commendable that you’re exploring low-cost dental insurance plans to cover the necessary treatments. Your dental health is crucial, and it’s wonderful that you’re prioritizing it without straining your finances.
I recommend exploring different dental insurance plans that suit your needs and budget. There are indeed low-cost dental insurance plans that cover fillings and crowns, though typically, there is still some cost to those types of dental care services, yet at a much more affordable price than not having dental insurance. Some dental clinics may offer you services cheaper, even without insurance. Consider dental schools as an option if there are any near you. Although schools are not always free, they could provide a lower-cost option.
You are not alone in facing these challenges; resources are available to help you access the care you need. Many people are in similar situations and have found solutions that work for them.
An additional option is to visit the American Dental Association website and see if there are any events near you that provide free dental care services to those who cannot afford them. These events are typically first-come, first-served, so it’s worth checking out.
For example, a friend got affordable dental care using a low-cost dental insurance plan that covered most of the expenses for their fillings and cleanings. The lower cost of basic services helps her save money on more extensive services such as crowns. This allowed them to receive the necessary treatments without straining their budget.
When it comes to dental insurance, dental Health Maintenance Organizations (HMOs) typically offer lower-cost dental insurance plans. As you explore different dental HMO plans, comparing the fee schedules for services listed under each plan is essential. Doing so allows you to select a lower-cost plan for the specific services you require.
In addition to considering the benefits, it’s crucial to ensure that there is a dental office in the plan network you would prefer to choose, as you will need to select a provider within the HMO dental insurance plan network.
At ConsulateDentalPlans.com, we provide options for dental HMO as well as Preferred Provider Organization (PPO) dental insurance plans. We are dedicated to helping you find a dental insurance plan that best fits your needs. Feel free to contact our office at 310-534-3444 Monday through Friday from 8 am to 4 pm to receive your free dental quote and begin with the plan of your choice. We are here to assist you in making an informed decision about your dental insurance coverage.