Home > Article > Studying abroad] Studying in the United States to see a dentist Raiders: buy insurance, make an appointment with a doctor, pull wisdom teeth
Studying abroad] Studying in the United States to see a dentist Raiders: buy insurance, make an appointment with a doctor, pull wisdom teeth
Everyone knows that it is very expensive to see a doctor in the United States, and it is more expensive to see a dentist. Many students experience problems such as inflammation of the teeth and pain in the wisdom teeth. Even if there is no obvious toothache, you should regularly visit the dentist to clean and care for your teeth. If you want to see a dentist in the United States, then today's strategy is perfect for you. We mainly introduce the purchase of dental insurance, the process of seeing a doctor, and the sharing of experiences that many people care about.
First, buy dental insurance
Medical insurance in the United States does not include dental and ophthalmology and requires additional purchases. Dental insurance is mainly divided into two categories, one is insurance and the other is discount. If you want to seek medical attention, you must purchase insurance, otherwise you will definitely receive a "high price bill." In contrast, without insurance, it takes a few hundred dollars for an ordinary tooth cleaning. After purchasing insurance, regular inspections and regular tooth cleaning are often free. If you need other treatments such as fillings and root canal treatment, the cost will be greatly reduced. Therefore, people who want to see a dentist must be relatively cost-effective to purchase insurance.
Let's take a look at the information you need to know about buying dental insurance.
Category 1: Dental Insurance Dental Insurance
When choosing insurance, the following factors are mainly considered:
Copay: The registration fee is paid every time you see a doctor.
Deductible: The self-pay amount, the insurance company starts to pay after the amount paid by itself reaches this amount.
Coinsurance: If you pay with the insurance company, you will have a percentage that you have to bear.
Out-of Pocket Maximum: The amount paid by yourself within one year.
Maximum Annual Benefit: The maximum amount the insurance company assumes.
No matter what company has a lot of insurance plans, in simple terms, the less the amount paid in a month, the higher your self-pay and insurance, and the less the insurance company will bear. If you pay more in a month, then the amount of insurance reimbursement will be higher, and your deductible will be lower. However, it is impossible to have a perfect plan. When buying insurance, we must think ahead about what treatment we might need. Refer to some different insurance plans to reimburse those treatments you need, and how much reimbursement is. For example, some students have healthy teeth, and there has never been any swelling or pain in the gums, or inflammation of the teeth and sore teeth. Then, they may buy insurance only for regular routine inspections and cleaning of their teeth two to three times a year. In this case, just choose a insurance that is cheaper and can include regular inspections. However, some students may know that their teeth are not very good, often have such problems, and hope to get treatment, then you should choose insurance with a higher amount of compensation. Although the price paid at the time of insurance is high, it can save a lot of money after use.
The second category: dental discount plan Discount Dental Plans
The dental discount program is mainly for those who need to be "hands-on" on their teeth. For example, some students need whole teeth or implants. This type of surgery is a large-scale operation, and the cost is very high. It can cost thousands of dollars and even tens of thousands. At this time, the amount of ordinary dental insurance may not be enough. In order to save some money on this major surgery, you can choose to buy a discount plan. One of the biggest benefits of the discount program is that it can be purchased and used, and various treatment programs can enjoy different degrees of discount. It is also suitable for some students who are studying abroad for a short period of time. If you only need to wash your teeth once and do not want to buy one year of insurance, you can also purchase a discount plan before you make an appointment with your doctor. This will save you a lot of money.
Second, the appointment of doctors process
When you carefully select the dental insurance that suits you best, the next step is to enjoy this insurance. Below, we will introduce the process of booking a dentist. First of all, you need to find the clinic in your insurance network, and then you can make an appointment by phone. You can also confirm with your other party that your insurance company will not accept it when making an appointment. Whether you have a problem with your teeth or no problem, the first appointment can only be done routinely, as the clinic needs to have your records. Xiaobian used to want to pull wisdom teeth. When I went there, I found out that the first appointment was only a family dentist. I only had ordinary teeth cleaning and treatment, and the wisdom tooth needed the family doctor to give you a special wisdom tooth. Expert doctor's.
After the appointment, just follow the time. When you arrive at the clinic, you will need to fill out a form with your basic information, insurance company and insurance card information. Also ask some of your usual feelings about the teeth, for example, you don't feel that your teeth are white enough. In fact, many times we go to the clinic and feel that we will be fooled by teeth or whitening. After filling out the form, X-rays will be taken and then checked. Your doctor will check your teeth and gums and then wash your teeth. If your teeth have other problems, the doctor will tell you what treatments you need to do. At this time, humanized services appear. We often hear the doctor say that the first question after treatment is how much it costs. Doctors in the United States will not tell you the cost. Someone in the office is responsible for this. They will get a list written by the doctor, then tell you the cost of each item, combined with your insurance, to help you calculate the final cost. After you understand the cost, you are sure what treatment you need to do, and it is fine to make a reservation again.