Anyone know where I can get some cheap dental, vision and medical insurance?
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?Cheap? and ?insurance?, unfortunately, are frequently mutually exclusive terms. Unless you are employed full time with medical benefits, you can count on investing a signifcant chunk of change for even marginal quality health insurance. Individual policies from major providers (e.g., BCBS, Kaiser) are often prohibitively expensive for the average person.
There are a few major companies that offer medical benefits even to part time employees (e.g., UPS). In some cases, if you can get connected with one of those companies, it may work to your benefit in the end, to even take an additional part time job, solely for the purpose of medical benefits.
You?ll want to visit a local independent agent. This person knows the market in your area and can find a plan that?s right for your situation and they don?t charge you anything for the service. Don?t try to do this on the internet unless you have the time to sift through a thousand different policies to make sure it?s the right one.
Be very wary of medical and dental discount plans. The people that sell these are unlicensed and know very little about the industry. If you?re tempted by one get a copy of their list of the doctors that supposedly take the plan and start calling. Ask the doctor if they take the plan and if they?re taking new patients. If the company won?t provide a list consider it to be a scam, also if the policy fee is greater than $25.
Dental insurance will run you $30 to $60 per month. Most plans have a $50 deductible, a yearly maximum that they?ll pay out of $750 to $1500, and a waiting period of 18 to 36 months for major procedures. After you?ve waited you still have to pay 50% of the charges.
I?m an independent agent and I don?t have dental insurance. What I have instead is a dental fee for service plan, specifically the Aetna Dental Access plan. No deductible, no waiting period and no yearly maximum. You know how much a procedure will cost you prior to going into the dentist?s office. Here?s where I got mine www.dpbrokers.com/default.aspx?lo? and some of the plans also include vision.
Source(s):
Independent Agent
5 years ago
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source: insurance quotes
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