Online Dental Insurance – Dental Insurance Claim Process.
So, about a month ago, I had a deep cleaning and a wisdom tooth removed. I had no dental insurance at the time, so I had to pay for it myself, which cost me $1485.00. If I buy a Blue Cross dental plan offering a $ 1500.00-year max limit, can I submit the claim to them for the $1485.00 to get my money back and then cancel the Blue Cross plan? My dentist is very inexpensive on X-rays and regular cleaning, so I do not see the point in keeping the dental plan after I get back my $1485.00.
Reply: Short answer: No. That would be insurance fraud. You can not have a dental insurance plan to cover dental care services if the services were rendered before you bought the insurance. That would be like buying auto insurance after having an accident. Also, I think your dentist would be honest about the date you had the services rendered.
However, this is an excellent time to review your thinking about having dental insurance. You could get a low-cost dental HMO plan that runs around $8.00 – $20.00 monthly for an individual. So that when you have the more costly dental care services, you will be able to have insurance on those services and save money instead of paying out of pocket and thinking up ways to get your money back.