Online Dental Insurance, Dental Insurance Cancelled for Non-payment
My dental insurance just cancelled for non payment, and now I have a toothache. So for the last three years I had dental insurance that I was paying $35.00 a month for. All I ever got done during that time was X-rays and cleaning. So when it came time for me to renew it I felt it was just a big waste of money.
Three months latter my tooth is now hurting me. The dental insurance will not just re-instate my policy with out having me have the stupid waiting periods again. Which by the way I feel is total unfair. The three years I had it I never did anything to get my money worth out of the plan and now they are not cutting me any slack. What can I do? I know something is wrong if my tooth is hurting me on and off though out the day like it is doing.
Reply: Many insurance company will not reinstate the pay for non-payment that is more then just 30 days or one month. I can understand you being upset but it be like cancelling your auto insurance because you have not gotten in to and accident in the past three years and now feel it is a waist of money. Then get into an accident and being mad that the insurance company is not paying for your claim.
However not all hope is gone. My suggestion would be to look into either getting an HMO dental insurance plan as they typically do not have waiting periods or a dental discount plan which also do not have waiting periods. These are both low cost dental insurance and plan options but you will need to go to a plan provider.
