Dental Surgical Medical
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dental plan coinsurance what?
just a question about a kaiser dental plan on the website it says $38 monthly. $50 deductible. and for the basics like cleaning, xrays are no charge. then fillings, crowns, and simple extractions are %50 coinsurance (after deductible) and surgical extractions and major oral surgery are %75 coinsurance(after deductible. what do the percentages mean. like for example the %75 do they pay the %75 and i pay the %25 rest. or is it the other way around....
i may possibly need a wisdom tooth removed. my mouth hurts from time to time and theres a 'hole' on top where the gums are where a tooth should be growing. idk if it is growing and adding pressure to my visible tooth or its not coming in but rotting underneath the gums... and my job does not offer dental insurance only medical... so im trying to look into either purchasing insurance... i fear if i tried going in without insurance i would be paying 100X more without it.
The percentages mean that if your dental bill is $650 dollars and your deductible is $50, you must pay the deductible first ($650 - $50 = $600), then the 75/25 or 25/75 starts with the $600. If the coinsurance is 75/25, Kaiser would pay 75% of $600 or $450 and you would pay $150. Most likely, because of the low monthly premium and deductible it is 25/75 percent.
An option would be to look at a higher deductible and monthly premium to help ofset your out of pocket expense. Your wisdom tooth may be impacted and may require oral surgery. An alternative would be to condider a dental school which I have done. The professor did the work while the students watched.
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December 23rd, 2008 in
Dental Supplies