Post # 1
Is there a dental insurance company that doesn’t have a 6 month or year long waiting period that you can get as an individual/family (just DH & I). We don’t have insurance offered through our work & the cost to fix everything is like buying a new car :(.
I’ve heard that if we go to Canada, we could get stuff done there for a fraction of the cost than here in the USA because of the healthcare system. Is that true? If so, its probably cheaper to drive to Canada & stay for a week & take the time off work… plus we really want to visit Canada anyway!
Post # 3
Dental insurance is not covered by the healthcare system in Canada. You have to have coverage through your work or private plan or pay for it out of pocket if you dont have insurance.
Post # 4
@sweetchiquita12: I thought so… figured it was worth asking! If we had the money, we would pay for it.
Post # 5
Basic dental care is covered in Canada for those on social assistance.Tthe problem however, is that many dentists aren’t willing to do the work for the amount that the government pays, so even with insurance it’s hard for those people to get work done.
When I was a single parent in nursing school, I got basic dental care for myself and my kids from student dentists. They work under supervision and it was either free or very low cost.
Here is a link to various dental plans in Oregon:
Post # 6
@sweetchiquita12: Being Canadian, I’ll second this, just so you can be sure. She’s right. 🙂
Post # 7
I would doubt there are any plans without a wait period if you are getting an individual policy (instead of through a work position). Insurance companies put a wait period in place to keep people from not carrying insurance, picking it up for a month or two when they need something fixed, and then dropping it again.
Post # 8
@julies1949: Thank you! I know it was another country…maybe it wasn’t Canada, coulda been Europe? Haha I know completely different places!! Years ago someone I knew flew to another country, got a lot of dental work done & had a 2 week vacation & it was cheaper than getting it done in the US. I’ve always thought they went to Canada… now I just wish I remember who that was! I’m checking out your link now :).
Post # 9
Its covered if your on social assistance (sometimes, but you have to find a denist thats willing to work with it) or have treaty/indian status. You have to have a plan at work or though a spouse to be covered. But some arn’t very good. Mine only covers 1 cleaning a year, and any work I need to submit a form.
Post # 10
@MalbecMe: Thanks for confirming 🙂
@Mrs.KMM: Yea, I suppose that’s smart of them, I didn’t think of cancelling after I got the work done.
@Ashley_B: Nope, I don’t qualify for any of that. DH eventually might get insurance but we don’t know yet. I never will at my job.
@julies1949: YOU ARE AWESOME! :). I found my dentist on that list & by getting the member discount, that’s probably going to save us thousands, or at least hundreds… Thank you 🙂
Post # 11
I work for a major dental insurance company and I will say it is very hard (if not impossible) to find an individual self-paid policy without waiting periods.
It is to keep people from paying one month premium, getting $1000+ work paid for, then dropping the plan. Unfortunatly it happens all too often and spoils it for everyone else.
There are good individual plans out there, unfortunatly it will take 6-12 months before you can use them for much more than cleanings and exams. But the good news is, once those waiting periods are met, as long as you stick with them, you’ll never have them again.
Post # 12
My FIL went to Poland to get dental work done. I have no idea exactly what they did but he said it was cheaper to stay there for 2 weeks. I imagine he needed some serious stuff done.
Post # 13
Another idea is to look for Dental Schools, they often have cheaper rates as you would be worked on by a student with a dentist watching them.
Post # 14
I am a Cdn citizen and do not have ANY coverage for dental. There is VERY limited coverage thru some empolyers here but its really is just a basic check up and cleaning 1-2 times a year. Not sure where you heard that but any health coverage here is ONLY for CDn citizens.