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Dental for Supplement Clients
- Thread starter billyb
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The Medicare Gal
Guru
I give them a site I set up for dental plans, but I also tell them to ask their dentist if he/she has a dental membership. The client will save money and the dentist will love you. Everyone wins except you won't earn the commission.
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I tell people to talk to the dentist about being a cash client. I tell the issues with individual dental noted above and if they really want to buy something I'll sell it to them, but they're usually better off just saving that money for when they need coverage.
I'm probably leaving money on the table. That's okay though.
I'm probably leaving money on the table. That's okay though.
$1.50/mo?
I try to talk them out of buying it and then it takes 30 minutes to explain how the dental in advantage plans is mostly crap and not worth switching your supplement (which pays 100% of your chronic expensive therapy or treatment every quarter) for the sole purpose of getting $1000 of dental in an HMO network when you told me 30 min prior that you'd never change your dentist and then we start all over from the beginning. Then I repeat that conversation about 40 times a day until mid January and then aep is finally over!
And then comes the waves of my meds aren't covered, I never had a deductible, etc and off we go!
In all seriousness though dental is a pita.
And then comes the waves of my meds aren't covered, I never had a deductible, etc and off we go!
In all seriousness though dental is a pita.
Dental offices are hurting for revenue right now. COVID has impacted them considerably. Some have closed. Others laid off staff.
Most dental insurance plans have networks. Over 80% of dentists do not participate in ANY networks. They will file your claims but many require cash up front and the reimbursement goes to the patient, not the dentist.
Many dentists offer discounts and "clubs". Most have outside financing for major work.
When you pay cash you can choose your own dentist.
I guess it depends on how much hassle you want to put up with from dissatisfied clients who want something more to complain about.
The only complaints I hear from clients is about prescription drug copay's. I don't need another product line adding to their stress and mine.
Most dental insurance plans have networks. Over 80% of dentists do not participate in ANY networks. They will file your claims but many require cash up front and the reimbursement goes to the patient, not the dentist.
Many dentists offer discounts and "clubs". Most have outside financing for major work.
When you pay cash you can choose your own dentist.
I guess it depends on how much hassle you want to put up with from dissatisfied clients who want something more to complain about.
The only complaints I hear from clients is about prescription drug copay's. I don't need another product line adding to their stress and mine.
its either 15% or 18%. Can't remember. Premiums run from $40 to $70/month. It's like selling a HDF on top of your Med supp client. I'll take it.
thats not actually too shabby - better than Humana.
Is there network decent around here?
Who's your FMO for it?
Its a big network for me in FL. I looked up some good dentist and they take it. I stopped writing uhc and humana dental. I usually show Ameritas but I just started showing NCD.
I just checked it's 15%
You can sign up here, it's the same 15% lifetime comm. Charles S Mulherin III - Enrollment Portal - Agent Use Only
The password is "agent"
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