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I don't qualify for health, dental, or optical insurance through my job, help?

I am getting the worst migraine from looking into dental insurance, which is only a start. My job offers benefits to "full time employees" that have been considered "full time" for 12 consecutive weeks which is 35+ hours per week according to my job. I should have qualified months ago, but they scheduled me for >35 hours on week 10 so I wouldn't qualify, so I would pick up extra hours from other employees and that still isn't considered full time because I "wasn't scheduled". The technicalities of my job are bogus. I was in a bad car accident on 01/09/2011 and will be going back to work on 02/05/2011 and will have to work 3 months at at least 35+ hours per week "scheduled hours" to qualify for benefits. In short, I will never qualify for insurance at this job. Please do not answer with "Get a new job!" it isn't that simple. Anyone know of reasonable dental insurance in MO? Great answer Bonnie! mbrcatz, a dental school would be a great idea, but the closest in Kansas City, MO (over an hour away) and I no longer have a car (incinerated in my accident). I could get a ride perhaps, but everyone works where I live and uses their cars daily. The UMKC dental school is a good option, but you have to wait in line for hours starting at 5:30am and still might not be seen potentially. It takes a minimum of 3 months to be "approved" as a patient and then there is a very long waiting list to get an appointment. Basically I am S.O.L. for having any dental work done anytime soon considering I will not be getting paid until a month after 02/05/10 =/ Thank you though!

Asked By: Mama Extraordinaire (: - 1/27/2011
Best Answer - Chosen by Asker
I have dental insurance sold through Physicians Mutual Insurance. (The company I retired from) I pay $24.15 a month, but I am thinking of dropping it and doing my best to put that money into a savings account as I still have to pay over $90.00 per visit... More
Answered By: Bonnie - 1/27/2011
Additional Answers (1)
Dental insurance, I've never seen a private policy pay out more than it costs. There are waiting times, coverage limitations, copays, deductibles, etc. Your best bet, is to locate a dental SCHOOL, and get work performed there.
Answered By: mbrcatz - 1/27/2011
 
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