Home F A Q Page Our Mission Helpful Links Dental Links Short Term Insurance Health Insurance Links Group Dental
In my opinion... Dental insurance / Dental Plans When you see a dentist with insurance they are paid a percentage of the bill in cash from the insurance company, a percentage is discounted for being in the network, and you pay the balance. When you see a dentist on a Co-pay plan, your Co-pay may be all they receive. On better plans the provider is paid a set dollar amount from the plan every month you are on their patient list. Group and individual dental insurance are not the same. When an employer offers dental insurance to all of their employees the insurance company assumes not all of the employees will be using a plan for more than preventative services. On individual insurance they know they will be receiving a high percentage of claims because most people looking for individual dental coverage already need dental treatment. If you need dental work done now a discount plan may be your best option. Sam Schoppenhorst
Discount Plans... "Discount" plans are NOT insurance"
When you enroll in a "Dental Plan" you will choose a Dentist /Dental office where you will receive all of your care. The plan prints rosters/member lists and sends them to the dental providers. Generally speaking, they will not make new member appointments until you are on their roster/member list. Before choosing a provider we the highly recommend that you (1) call providers and ask them if they are taking new patients on the (for example) Employers Dental Plan. If they say, " yea we are still taking more people..., you might want to look for another office. (2) Ask... " If I am a new member on your plan on the first of next month, how long will it take to get the new patient appointment?" 4 to 6 weeks may be a typical answer. If they say 2 to 3 months we suggest you keep looking for another office.
|
|
Individual Plan Coverage Booklet Rates and individual Plan - Enrollment Form Dentist Search Over the years we have had great success with this plan. The biggest downside is if your current dentist doesn't accept the plan you will need to choose a new dentist. This is a "Discount" plan, NOT insurance. Only available in Arizona |
Enroll Online With DentalPlans.com, you have the power to choose from lots of different discount dental plans and over 60,000 participating dentists across the United States!
Insurance...
Please read carefully... If the plan
says it will pay $1500 a year while you only pay a $500 a year... What's the
catch??? Not
counting exclusions and limitations look at the low percentage it pays the first
year, and remember that percentage is what they consider reasonable and
customary. What is a Reasonable and Customary Fee?
This plan reimburses you for covered dental expenses based upon "Reasonable and
Customary" fees. Reasonable and Customary fees are charges that do not exceed
the general level of charges being made by other providers of dental services in
the geographic area where the charge is incurred.
|
Copyright ©2006 [A Insurance Shoppe] All rights reserved.
AmeriPlan® offers affordable Dental, Vision, Prescription Drug and Chiropractic Care for a membership fee of less than $12.00 per month As of 8/1/2006. Also... AmeriPlan Health® is NOT insurance. It is a health benefits discounted fee-for-service program. Both are "Discount" plans, NOT insurance.
