Question about pricing, financing and insurance.

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  • Updated 3 years ago
Hello, I am new on here. I have not begun my process yet and am having a hard time finding answers as to finding my best options. I plan to get all upper teeth extracted and at least six on the bottom then get full top denture and partial. Ultimately, I want implants but I know that is pricy. I don't have insurance and research is only confusing me more. Would insurance help me with costs? If so, what type of insurance? I can't imagine coming up with $3,000 right now to have this done.
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Scott

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  • unsure

Posted 3 years ago

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Leslie

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If you can get care credit that would be your best bet. I went with Aspen Dental and with 9 teeth pulled and a full upper with the top Comfy lytes package, alveoplasty in 2 spots, stitches, all the softliners i need until i get my permanent denture around July hopefully,... it was about 3,000.00. hopefully some point will get a bottom partial. My profile pic is my temporary denture. It looks very natural and i have an extremely small mouth so i was really worried about lemon rind top lip. But it looks fine. Aspen is a franchise so ask around and look for reviews online for your local one. Ive seen good and bad with the affordable denture too. Tons of great advice for before and after here.
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AliciaP

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I have read several people on different threads that have talked about some discount program that costs between $80-$100 per year but it cut their totals in half.

I went to Affordable Dentures and my only complaint is that the office I was using in Michigan closed up when I was just 6 months into what was supposed to be a year long treatment plan. They included all adjustments, including all the soft relines that I felt I needed, a hard reline, immediate dentures and my final dentures.

I've heard good things about Aspen Dental as well, but they are higher priced.

Hopefully someone with knowledge about the discount program will see this and come forward.

You could also look into a dental school or a health department.

Good luck and keep us posted please!
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AliciaP

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Also, both Aspen and Affordable have coupons online. They are really good coupons too, definitely worth printing off!
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lizzy

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Hey guys. So I went 10 minutes late to my appointment yesterday at aspen and they cancelled on me. Been without bottom dentures since Friday. I'm so mad. I'm like u said it wAs. Ok. They open at 730. Appointment was at 730 so I had to drop off my daughter at school. Now I gotta wait til tomorrow. So mad. I know this was about giving prices to u Scott but I'm upset.

Another note: insurance only pays so much but it would help to start looking for an insurance that can give u what u need I hope u find what ur looking for.
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Josie

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OMG Seriously???!!!!! They don't even need to do anything with you. If the teeth aren't fractured and you didn't attempt to glue it then you just need to leave it with them. It's a midline fracture. They don't need impressions from you. Unbelievable!
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lizzy

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Exactly. I was so upset
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Leslie

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That is crazy! !! At Aspen i went for my second softliner because the girl who did the first one messed it up so bad i had to strip it out because there literally wasn't room for my tongue without gagging. I had to raise a ruckus after waiting for 2 hours to be taken back. I would ask for the owners contact information!
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Alex, Official Rep

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Scott, we are so sorry to hear you have no dental insurance. Some health insurance programs consider the removal surgery as a procedure covered under you normal health insurance, it just depends on your coverage. The credit that Leslie mentioned is basically a payment plan over a number of years to self pay for the process. You may want to google self pay dental insurance to see a variety of companies that offer it. Good luck!
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Scott

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So no one knows anything about insurance and what's the most inexpensive route about getting this done? Where I live, it costs $150 for x ray and $275 for each tooth to be extracted. That is if it's a simple extraction. I can't imagine paying $6,000 to get teeth pulled.
(Edited)
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marcia

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Scott, have you checked into any dental plans? They aren't insurance. I'm unemployed so have no insurance so I started checking out dental plans. Found one called carrington care 500 which was $100 for the year. What I did I checked out the plans and checked into what dentists accepted what. My first estimate was over $12,000 without anything. With the plan I got it down to $4800. Though I wanted to be totally knocked out but that wasn't covered. But check into a dental plan. There is no cap and most of them give you an idea what the prices are for a service. Good luck!
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Scott

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Thank you. I actually found one. It's Aetna Advantage or something like that. Over $12,000 discount. That's amazing. And it's only $15 a month. Here is a photo of the costs. I decided against dentures bc they said they can save all but two teeth. They will able to be extracted. I figured I would spend a little more and have a new chance with my teeth. This total is including two implant teeth which I decided against. They are $5,000 for the two! So my total is $8,818. Starting tomorrow. Scaling and Root Planing. Nervous but excited to get the ball rolling. You know how it is when you get to the point of being sick and tired and just want to get better now :)
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Leslie

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Most insurance plans that are private companies are not going to be a huge benefit unless you buy the highest price and then you have to hold tge policy for a certain period of time before you could benefit from a crown or other expensive procedure. File a Care Credit application. Aspen ask for first visit free xray and consult. Each tooth for me was 112.00 bucks to extract and i had a couple real bears to get out. A cap broke off at the gumline.they will tell you you need a teeth cleaning or other things that can be done for really cheap at your local dental hygienist school or go to a Dental school.
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AliciaP

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There are WAY too many variables in dental insurance, so unless you call your HR Dept. Or the company that your covered through thete is no way to tell you.

I completely agree with Leslie!
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Leslie

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Oh yes, forgot. .what ever Obamacare package you have, some of the HMOs offer combo health,dental,vison. They have credits they can apply for the hmos in your behalf according to your income. After my sons tax credit he ended up with a policy of 26 bucks a month for health and vision. We are by a dental hygienist school where he can get cleaning and xrays for 60 bucks.
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Scott

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Anyone know anything about the Care Free Dental Plan Card?
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Elizabeth Thompson

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Scott, it is called Care Credit and if you're approved you can borrow a certain amount of money and I believe it's 18 months you get to pay interest free
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lizzy

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I got what u got Leslie. Good deal huh?!?
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Leslie

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I thought so, when calling around and comparing. You got both top and bottom correct?
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Scott

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What kind of insurance do you have? That's what I'm confused about. I don't know what to get. Seems every insurance has a cap of $1500 per year. That won't pay for anything.
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AliciaP

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Scott, unless you work for an actual dental insurance company (i.e. Delta Dental, MetLife) or work for a company that has what is called Self-Funded Dental (which is exactly as it sounds-primarily only done with VERY large groups in order to offset the cost. Actuaries work to determine the percentage of members that will likely use the benefit and to what extent. This requires usually between 2-5 years of experience of the company being with a regular fully funded plan. Once they have that number, they then set the percentage that they will pay and the total amount paid in a year. At that point the company finds an underwriter to put their name on it - Delta Dental is a big one. You pay premiums, which are usually lower than standard policies, and that is where you find the really nice benefits like $2,500)

Sorry for the boring details, can you tell that I worked in Health, Dental, Vision, Life &Disability insurance for many years? Lol

Unfortunately, by the time I needed to have this all done I had already been forced to take a medical retirement and only have my husband's insurance -they only paid $500.

If you have to go slow and have them removed as you can afford it, it's not the worst thing.

Good luck and please keep us posted!
(Edited)
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lizzy

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My husband has Cigna
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Annie Huff Hamilton

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If you don't have insurance through your employer, it gets tricky. I don't and finally found a plan that serves Oregon, Washington, and California. I went to a low cost clinic until I found insurance. They normally work on a sliding scale fee. Dental pricing is so different from area to area it is hard to compare. They have Semar out here for low cost. I hope you can find something.
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AliciaP

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Good point Annie!

What area do you live? Everything that I just talked about is in the Midwest, USA.
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Annie Huff Hamilton

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I am in Washington state. It varies so much in price from area to area, unfortunately.