What would happen if I wait to get root canal and crown?
I went to the dentist and found out that I need to get a root canal and crown. The cost is really expensive and I cannot afford it. The only other option is to pull the tooth for a much lower cost. With my insurance I was quoted a $1400 co-pay because two teeth are affected. My teeth are extremely tight.
If I were to wait until next year’s insurance coverage and wait until I switch to a better health plan and also elect to get the health savings plan (money will be in account January 1st, and withdrawn from payroll), would it be possible that I am told that it is a “preexisting condition?”
I currently have Cigna DHMO, which has a copay of up to $500 per procedure (root canal and crown seems to be two different things). It seems as though I am quoted an average co-pay of $350 per procedure. I am thinking of switching to the Delta traditional plan, which pays 80% of the root canal and just 50% for the crown.
Do you think I’m better off sticking with my current plan? And could I possibly lose this benefit by waiting and/or switching insurance companies? I plan to get this done very early in January.
Thanks for your help!
Anne
The tooth was diagnosed before the insurance both ways and read the insurance both ways and determine if it.
I JUST HAD A ROOT CANAL DONE ABOUT A MONTH OR TWO AGO.BUT IF YOU WAIT TOO LONG IT CAN CAUSE DAMAGE TO TO GUMS BECAUSE OF THE DECAY IN YOUR MOUTH AND ALSO CAN CAUSE SERIOUS PAIN TO YOUR MOUTH SO YOU DONT WANT TO WAIT AT ALL..NOW ONCE YOU GET THIS ROOT CANAL YOU CAN WAIT ABOUT 2 OR 3 MONTHS TO GET YOUR CROWN ON CUZ I DO NOT HAVE MINE YET”MY CROWN ” BUT I WILL BE GETTING IT SOON…THANKS