Crystal Said:

How much/who are the personal health/dental insurance providers?

We Answered:

You can easily check your minimal health care rates in internet, for example here - health-quotes.talk4fun.net

Ben Said:

In NYS how does a POP (pre-Tax) plan work for AFLAC, health, & Dental Insurance?

We Answered:

The AFLAC accident and dental insurance would be covered under the clients section 125 plan and should be set up accordingly. I would verify that the medical isn't part of this plan. The only thing I know through AFLAC that wasn't covered with my old employer was Long Term Care.

Kyle Said:

How do I obtain health & dental insurance while living & working in the UK?

We Answered:

you cold just buy health insurance when you get over to the UK, plenty of companies offer this.
If your living and working here, and paying taxes you may be eleigible for treatment on the NHS. This is free, and dental NHS is subsidised, an NHS dentist check up costs around £16....i think that is around $30.

I checked on line and found this; It focuses more on marraige but if you read it it does actually say Americans Living in the UK...

Free NHS medical care is not routinely offered to tourists who need emergency treatment while they are away from home. That is what their private medical insurance is there for, which will cover them in an emergency situation. Without private medical insurance, tourists must pay upfront costs to be seen by British doctors.
However, American expatriates who are living in the UK are eligible for NHS medical care, as long as they can prove that they are eligible. American expatriates who are married to UK citizens can prove eligibility very quickly and be registered in next to no time.

How to Register

Once you have a permanent address, take along proof of your address, such as a recent utility bill, to your local doctor's surgery. It is also a good idea to take a copy of your marriage certificate in case the doctor or nurse wishes to learn more of your eligibility for free NHS medical care. If you have access to your American medical records, take these along with you, so that they can be filed away for future reference. At the time you register with a GP (usually the same GP as your spouse's unless you make a special request otherwise) you will be able to apply for an NHS medical card, that all NHS patients are issued to prove NHS eligibility. This card does not need to be hand carried to each doctor's appointment; nor do patients need to remember their NHS medical card number. New patients must fill in personal information and complete a medical questionnaire that will ask about a family history of heart disease, cancer and other diseases and hereditary conditions. Be prepared to undergo a brief, non-invasive medical to include a blood pressure check, weight check and other simple procedures.

Otherwise Bupa and AXA PPP offer healthcare cover. AXA is the best one though!

Cynthia Said:

Is there a government program that helps college students with health/dental insurance?

We Answered:

The only program at the state level is Medi-cal and unless you have children under the age of 18 and have a 30 day disability, you will not qualify. Check at the student health center for options on getting low cost insurance that will at least cover the big stuff. They should also offer care there or can refer you to low cost clinics. County clinics and hospitals also offer care at a reduced sliding fee scale based on your ability to pay.

Victor Said:

what is a really good health insurance and dental insurance?

We Answered:

It all depends on your age and if a portion of your premium is being covered by your employer. If you have to pay it all, then Kaiser is the cheapest, but is only available in some states. Then the rest are pretty much the same, Blue Cross, Blue Shield, Aetna, Western Health, Pacific Care, etc...

The other difference is if you want a PPO or an HMO. A PPO tends to be more expensive and you would pay a percentage of each visit this is called co-insurance (usually 20%) along with an annual deductible. However, with the PPO you don't have to go to your "home" doctor to get a referral for a specialist like on OBGYN.

The HMO is generally cheaper, no deductible and you make co-payments, not co-insurance.

I have and EPO through Aetna witch is an HMO and I like it alot.

Hope this helps!

Francisco Said:

Where can I buy Health and Dental Insurance online?

We Answered:

Why do you want to buy it online? Great way to get scammed, buying it online. Also, it's a great way to have your identity stolen - trust me, if someone can impersonate a paypal website, they can impersonate an insurance company website.

Plus, if you buy it online, how do you know it's going to be VALID in your state? How do you know your emails won't start bouncing as soon as they get your bank account info? You don't.

Buy from a local agent.

Dental insurance comes seperately. AND, private plans almost ALWAYS cost more than they pay out. I've NEVER seen a private dental plan where YOU come out ahead, due to deductibles, copays, and waits.

Gladys Said:

What's the difference between health/dental insurance and a health/dental plan?

We Answered:

With a dental plan the company sponsoring the plan doesn't pay out anything. With dental insurance the insurance company pays the dentist.

You have five options with dental.

1. Go without insurance. If you have good teeth and just want the basics you probably don't need any plan. A yearly cleaning, exam and even an occasional filling will cost you less without insurance.

2. Visit a local dental school. You can get many procedures done for a reduced price if you're willing to let them practice on you. You can find one here: http://www.yourhealthplanadvisor.com/Den…

3. Insurance - Depending upon the policy: cost $30-$60 per month. You pay a $50 deductible first, they have an annual maximum that they'll pay per year of $750 - $1500, they have a waiting period up to 18 months for major work and then you're paying 50% of the charges. Example - average cost for a root canal in my area is $919. With insurance you pay $460 after paying 18 months of premium (around $800 or $900). Advantage - you can use any dentist with most plans.

4. Discount plans - Cost - $5-$12 per month. No deductible, no annual maximum and no waiting periods. Also, hardly any dentists will accept the plan and when they do you MIGHT get a 10% discount, which is about the same discount you can get by paying cash. Example - average cost for a root canal in my area is $919. With discount plans you pay around $827. Be very wary of these plans because most are scams. The people that sell these plans have little or no knowledge about health & dental insurance and do not need a license to sell them. The plans are not regulated by the state so you have no recourse when you have problems. Some states are starting to ban these plans from being sold. Here is an informative link http://www.insurancejournal.com/news/wes… concerning these plans.

5. Fee for Service discount plans - Cost $7-$15 per month. No deductible, no annual maximum and no waiting periods. Many dentist will accept the plan (check providers first before signing up with any plan). When you use the plan there is a set fee that the dentist will charge you. Example - average cost for a root canal in my area is $919. With fee for service plans you pay as little as $404.

I'm an insurance agent and my personal plan is the fee for service plan. I got mine here http://www.dpbrokers.com/default.aspx?lo… specifically the Aetna Dental Access plan but which one you get depends upon your area and comparing the fee schedule to find the best for what you need covered.