Don’t Buy Dental Insurance – It’s a Ripoff
There have been many instances whereby insurances that include dental care will fail to fully support the expenses incurred for dental care of a family. These would tend to create financial problems as the family would have to spend their own money or even borrow just to cover for the expenses created by the dental care of a family member due to insufficiency of insurance coverage. For this reason, supplemental dental insurance plan was created.
The importance of verifying fully the fine prints of an insurance coverage should never be taken for granted. By verifying and fully understanding your coverage and likewise the limitations of your insurance protection, you can prepare yourself for any eventuality that might arise. If your insurance for example would include dental care as part of your coverage, it does not necessarily mean that all services related to your family’s dental care will be covered. You will have to read the fine print of the policy to know if what kind of dental care is really covered by the insurance.
The stipulation as to what dental services are not covered will also be found there. Thus, if you are already aware of the true extent of your dental coverage, you can then decide for yourself if you still need a supplemental dental insurance plan. Your decision will of course consider the dental situation of your family; whether your daughter’s set of teeth might not be in a good condition due to sweets or that maybe your son’s set of teeth might have to be subjected to braces because of its abnormal growth position.
Supplemental dental insurance plan was precisely designed by insurance companies to answer the growing needs of insured clients to make it easy for those who may have to avail a dental service without the burden of having to pay additional cash for such service. This is understandable since the dental coverage included in a regular insurance plan is complimentary in nature. As such, it is not made to cover most of the expenses that will be incurred in a dental care service.
In getting a supplemental dental insurance coverage, careful selection should be made in consideration of your foreseen dental needs. If you think there is a real need for your son to have later on a dental brace, then you can go for a supplemental dental insurance coverage for braces. Do not ever think that a supplemental dental insurance will cover for all your family’s dental care needs. Again, examine the policy. Read the fine print and know what are you covered for under the agreement.
It would be more to your advantage if before you decide on a supplemental plan, you first try a research on supplemental dental insurance plan. Researching on this subject in the internet can give you a good idea about the many supplemental dental care plans in relation to the exact coverage of the plan and the cost that you have to fork out as your monthly premium.
Following your research, visit the insurance company concerned and have them give you a sample of the policy of your intended supplemental dental care plan to get and examine it for any phrase or words that you might not fully comprehend. If there is any, ask them and be fully clarified about it. After you have fully understood the fine print, you can now start your application for the supplementary dental insurance plan that you would like to have for your family’s dental protection.
Watch the video related to dental insurance
www.dentalinsuranceisaripoff.com Dental Insurance or Dental plan – what’s the difference and what’s best for you? If you have Dental coverage you need to see this, if you need dental benefits you need to see this and then download our free report on Dental Insurance
Help answer the question about dental insurance
What's the difference between dental insurance and dental plans?I need to see a dentist and don't get coverage through work. I've googled dental insurance, but dental plans keep coming up. What's the difference? and can you recommend any specific insurance or plan? I live in the SF Bay Area.
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17 Responses to “Don’t Buy Dental Insurance – It’s a Ripoff”
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October 9th, 2009 at 7:10 am
breast cancer aint funny *snickers*
October 9th, 2009 at 7:56 am
daahhh!!!
October 9th, 2009 at 6:46 am
Actually, the only time the copays are so low for health insurance is when you're dealing with those high-dollar plans provided by a lot of employers. (At least those are the types of plans that were provided be employers in the past; that's changing significantly because of the cost involved.) Trust me, these are FAR from the "norm."
As for dental insurance, the fact is that there are nearly as many organized networks for dental providers as there are for medical providers (where belonging to as many networks as possible is the best way to ensure you keep new clients coming in to your practice.) Dental insurance, by comparison to what you pay for medical coverage (particularly of the variety you mention) is also CHEAP. And I don't know very many people who would pay triple the price for dental insurance so they could get the $10 copay. In the end, it's really that simple.
October 9th, 2009 at 7:43 am
Back to the basics — you need to check with the company the dental insurance is through – that's step #1. Preventative treatments include cleanings, x-rays – things to prevent major problems down the road. Major treatments would also have to be defined by the insurance company – an example would be a root canal, crown, bridge, etc (most of which I'm sure you don't need if you're young and have taken good care of your teeth). A $225 deductible means that the first $225 of any/all treatments (new patient exams, x-rays, cleanings) would have to be paid by YOU — after you've paid out $225 out of your own pocket then the insurance will kick in a certain percentage! Good luck!! Read carefully between the lines and if it sounds too good to be true – it usually is!
October 9th, 2009 at 12:12 pm
Hi
Dental insurance as the name suggest covers only dental related procedures. It depends on the policy sometimes it is supplemental to health insurance in general or just as a stand alone policy.
October 9th, 2009 at 5:46 pm
I would encourage you to visit this great site: http://www.healthsavings.ourperfectcard.com I signed up online over 5 years ago when I was in college and they have saved me thousands of dollars on all of my dental services since. From crowns, xrays, fillings, extractions, Cleanings, and even my braces. The great thing is like you, I needed a whole lot of work done also and with no limitations on the benefits I was able to use them as frequent as I needed to. They even had my affordable benefits active in 2 hours and was able to use them the very same day. Good luck and Hope this helps
October 10th, 2009 at 4:12 am
How about doing one on the dentists are rip off too.
October 10th, 2009 at 5:02 am
No it really is the insurance companies.
October 10th, 2009 at 12:28 am
Write a polite letter of complaint to the Commissioner of Insurance for your state – at your state capital. Copy to your insurance company's Vice President of Health Insurance Claims – or some similar person. The insurance company is required to respond to the commissioner within 30 days. Every day after 30 that they are late, costs them $. You should get a prompt response. But, remember to be polite. You will still have the same insurance company. Most claim adjusters are over worked but real people.
October 10th, 2009 at 4:15 am
They are actually the same. Plan sounds better than insurance in a sales pitch. Most businesses offer employees health insurance plans.
Either one can have restrictions, such as requiring you to go to a specific group of dentists.
October 10th, 2009 at 3:03 pm
You need to talk to an insurance agent and find out what policies s/he can find you that will cover the work you need to have done at a premium you can afford. No other way to know. until you get some quotes and read the policies. (Read the policy before you sign.)
October 10th, 2009 at 8:14 pm
With a dental plan the company sponsoring the plan doesn't pay out anything. With dental insurance the insurance company pays the dentist.
You have five options with dental.
1. Go without insurance. If you have good teeth and just want the basics you probably don't need any plan. A yearly cleaning, exam and even an occasional filling will cost you less without insurance.
2. Visit a local dental school. You can get many procedures done for a reduced price if you're willing to let them practice on you. You can find one here: http://www.yourhealthplanadvisor.com/Dentalschools.html
3. Insurance – Depending upon the policy: cost $30-$60 per month. You pay a $50 deductible first, they have an annual maximum that they'll pay per year of $750 – $1500, they have a waiting period up to 18 months for major work and then you're paying 50% of the charges. Example – average cost for a root canal in my area is $919. With insurance you pay $460 after paying 18 months of premium (around $800 or $900). Advantage – you can use any dentist with most plans.
4. Discount plans – Cost – $5-$12 per month. No deductible, no annual maximum and no waiting periods. Also, hardly any dentists will accept the plan and when they do you MIGHT get a 10% discount, which is about the same discount you can get by paying cash. Example – average cost for a root canal in my area is $919. With discount plans you pay around $827. Be very wary of these plans because most are scams. The people that sell these plans have little or no knowledge about health & dental insurance and do not need a license to sell them. The plans are not regulated by the state so you have no recourse when you have problems. Some states are starting to ban these plans from being sold. Here is an informative link http://www.insurancejournal.com/news/west/2006/11/22/74554.htm concerning these plans.
5. Fee for Service discount plans – Cost $7-$15 per month. No deductible, no annual maximum and no waiting periods. Many dentist will accept the plan (check providers first before signing up with any plan). When you use the plan there is a set fee that the dentist will charge you. Example – average cost for a root canal in my area is $919. With fee for service plans you pay as little as $404.
I'm an insurance agent and my personal plan is the fee for service plan. I got mine here http://www.dpbrokers.com/default.aspx?locationid=20349 specifically the Aetna Dental Access plan but which one you get depends upon your area and comparing the fee schedule to find the best for what you need covered.
October 11th, 2009 at 4:47 am
i took my daughter to the dentist. the total bill was $1800. i paid $600 bc i opted for anesthsia. i’ll keep my dental insurance thank you!
October 11th, 2009 at 11:56 am
i need a penis transplant!!
October 11th, 2009 at 1:25 pm
I would encourage you to visit this great site: http://www.healthsavings.ourperfectcard.com I signed up online over 5 years ago now and they have saved me thousands of dollars over the years. From root canals, xrays, extractions, xrays…etc. All services are included in this very affordable plan. Even my braces. They even had my very affordable plan active in 2 hours and was able to use it the very same day. good luck and hope this helps.
October 11th, 2009 at 8:49 pm
what about breast insurance???? they cover that too???
October 12th, 2009 at 5:35 am
so true,i hate it.