Dental Insurance

[Adriana✿]

Just curious what self-employed people here do for dental insurance?

I just spent $1000 for a root canal, another $1200 in two weeks for the crown and then I need $10,000 worth of dental implants for two molars.
(thank you '70s for the mercury LOL).

Any advice would be appreciated. thanks

 

[ReluctantPooner]

I'm quite sure you could go to any of the big insurance companies that provide coverage for employees and get an individual policy. Try googling Pacific Blue Cross, Manulife Insurance, or SunLife Insurance. I've been covered by the first 2 through my employers and family through SunLife.
Of coures you'll want the Canadian sites.

 

[badbadboy]

Blue Cross and or Canadian Professional Sales (I say SP's would qualify, but that is just me )

http://www.cpsa.com/membershipSavings/manulife.aspx

 

[*emmanuelle]

I'm with SunLife and am super happy with them.

p.s. boourns to root canals - I have one coming up next week

 

[Sandi Laine]

Go to Mexico!!

I have the most beautiful smile make over, not that I needed it, I just wanted it, and I did have a root canal too. I spent about $4000.00 saved about $7000.00

I know the best dentist in PV too

 

[tboy]

From what i remember Sunlife doesn't have a stand alone dental plan like Blue Cross. With Sunlife you need to get a health plan then add on the dental plan. They all have a sliding reimbursement plan where the longer you are will them the more you get back and the maximum per year is increased also. But most unfortunately don't reimburse too much initially plus there's like a 3 month waiting period on most plans when you first enroll.

 

[deathreborn]

I have never had a root canal that sounds painful but my braces were $6500 bucks but thats all cosmetic and I don't think insurance would of covered it! I was thinking of getting the vanier's lol (how do you spell that) but it but I decided against it as they shave down your actual tooth. So instead of masking the problem I just decided to fix it for good!

Kisses Melina*

veneers.....

 

[Sandi Laine]

I have never had a root canal that sounds painful but my braces were $6500 bucks but thats all cosmetic and I don't think insurance would of covered it! I was thinking of getting the vanier's lol (how do you spell that) but it but I decided against it as they shave down your actual tooth. So instead of masking the problem I just decided to fix it for good!

Kisses Melina*

I had braces too, quite a while ago, I hate to date myself, however about 20ish years ago and did experience shifting in my teeth after. I hope the technology is better now for your sake or you may experience the feeling of disappointment if your teeth are not fixed for good.



Adult Image Hosting

Anyway I am super happy with my results plus I get tons of compliments on my smile. I have no regrets other than my braces maybe.

 

[FunSugarDaddy]

There's accounts called private health services plan, which I both use, and recommend to others. Since I operate through a corporation, I personally use a different plan than this one, but the idea is a good one.

http://www.olympiabenefits.com/


What these plans do is allow you to get these expenses written off as business expenses, rather than through the normal personal route of excluding 3% of your net income and getting a tax credit for the difference. It's not insurance, but it does save you money and in some cases the savings can be subtantial.

 

[Bob Loblaw]

Marry a nice guy with good benefit package at work

 

[jmmk]

Just curious what self-employed people here do for dental insurance?

I just spent $1000 for a root canal, another $1200 in two weeks for the crown and then I need $10,000 worth of dental implants for two molars.
(thank you '70s for the mercury LOL).

Any advice would be appreciated. thanks

Sorry there is no good dental ins. if your self employed. You will have to wait at least 2 years from starting premiums before they will allow you to do any major work and even then will only pay a % usually around 60% and even then have a cap of like $1500 you can do in a calender year. If you do major work and assuming you do file a tax return you will be able to write that off though. Alot easier then finding a plan that will cover all or a good portion of the work you want done IMO. I spent a couple of years trying to find one so I know. The big print giveth, the small print taketh away.

 

[deathreborn]

if i'm not mistaken once the braces come off , you will still have to wear a retainer for a certain amount of time otherwise the teeth will slowly shift back to where they were before the braces.

 

[TheEmpress]

Whether dental insurance is "worthwhile" really depends on the amount of claims you wish to process. If your teeth are in good health and all you are doing are cleanings twice a year, then it's a waste of money. If you have a family and there are incidental claims.. it will probably be worthwhile.

Something worth looking into for sole proprietors is a product that is called something like a "medical dental trust". I don't recall what company offers it, but it allows you to deduct 100% of your claims against your taxes. That sounds like the most sensible way to go.

I agree about what your getting done, paying a yearly amount when there is little or just cleaning, waste of money. I'd really like to know what company is the one that offers the 100% coverage, looks nice! If you remember please let me know.

 

[treveller]

Pacific Blue Cross

I posted some info in the Lounge and Health Info forums in January that might be useful. The link is https://perb.cc/vbulletin/showthread.php?143594-Pacific-Blue-Cross-Wants-Your-Business

 

[TheEmpress]

I posted some info in the Lounge and Health Info forums in January that might be useful. The link is https://perb.cc/vbulletin/showthread.php?143594-Pacific-Blue-Cross-Wants-Your-Business

I looked at it, think I`m going to sit down and go through more carefully later. Thing that caught my eye that I didn`t like, 6months before you can use your benefits.

http://www.johnstongroup.ca/en/products-and-services/chambers-of-commerce.html.

The Johnston group is effective immediately, but I don`t know how it compares in pricing, and is more hassle as you would need to register with your local Chamber of Commerce in order to qualify.

 

[Bone_eve]

a Lot of plans you must wait 2 years and then only so much is covered and a cap of so much.

I read about this site in Paper a few months back and it sounds like you could save money for major work (up to 70%)

Its http://www.dayodental.com/ a kind of US referral place for cheaper dental work in Mexico

 

[Adriana✿]

Okay, thanks! Looks like marriage to someone with a sweet benefit package is the only option LOL *SIGH*

 

[Adriana✿]

Thank you for this pm, sir! This seems to be the best bet.


"If you join your local chamber of commerce (aprox 200/yr)- you need a business license to join, that's free, register as a consultant or something of the like.

They will offer you a small business plan, I'm on one, loaded myself up with everything and pay 90$/m incl my chamber fee. I went into the dentist for a check up and individual xrays of each tooth (I'm sure this was a bid for my money and not needed) Anyways, 450ish bill and I paid 62$."

 

[treveller]

Cuba for Dental Work

Great to see all the info. Seems to me every pro would want great dental care as a business asset, whether by an insurance plan or user pay.

If you are thinking of getting work done in Mexico, maybe check out Cuba as well. I expect they offer good service and you need to see Cuba before the Americans arrive en-mass.

 

[ethan604]

I to need dental work but I am in an even worse position being the kind of person who cannot have metal instruments in my mouth unless I am out cold. Is anyone in the know about sedation dentistry in Vancouver?