Dental Insurance For Seniors

[The Brokerage Resource]

Re: Dental

We are an FMO for Medico, thier Dental Vision and Hearing plan is one of the best I have seen. You can find more info on thier website www.gomedico.com and contact me if you want contracting information.

Sam

 

[Chazm]

Re: Dental

^is it just me or does this plan not seem all that great?

I guess after the 2nd year its not too bad

 

[Guest]

Re: Dental

If you give them Humana, then they will be targeted for their MA plan

 

[dlj2626]

Constitution Life has a dental plan as well for Seniors. Apparently that one just came out recently.

 

[STIBROKER]

Constitution Life has a dental plan as well for Seniors. Apparently that one just came out recently.

man....you might want to talk to frank...........

 

[slushpuppyking]

Re: Dental

^is it just me or does this plan not seem all that great?

I guess after the 2nd year its not too bad

I've been trying to sell Medico Dental for awhile now. Put out some yard signs. I get plenty of calls but nobody likes the waiting period. It's about the point I tell them about the $100 yearly deductable and that it;s not until year 2 you get 70% that they lose all interest and say goodbye

People want this in a dental plan:

• Low monthly rate
• No waiting period for major services
• No yearly deductible
• Truly insurance, not a discount plan

Not sure if this exists. I'm guessing no. Now that I've been appointed with Humana I guess I can sell their plan but haven't heard you guys say much good about it. Seems to have a really low rate but I'm guessing you get what you pay for.

 

[abcsales]

Spirit dental has no waiting period, covers 3 cleanings per year and has benefits of up to 3,000.

Decent plan, however the preventative benefits are lacking---xrays not included in preventative as they are with other carriers.

Not a huge fan of dental plans, however they are among the better plans I've seen. If you can enroll someone prior to turning 65, they keep that rate, will also accept people over 65.

 

[slushpuppyking]

Is Spirit dental available in Florida?

 

[Jerard]

Is Spirit dental available in Florida?

Yes, here is the agent signup.

Looks like there is "no waiting period" on contracting.

 

[slushpuppyking]

Thanks I went ahead and did that. Yeah doesn't seem to be a waiting period on contracting cause they have already sent me my website link to sign people up lol

Seems to be a better option than Medico. Even though it's only 10% coverage at least I can technically say yes that major services are covered right away. Their price for the product that lets you choose any dentist is about $7 higher than Medico but you get an extra $200 maximum benefit yearly.

But Spirit's PPO plan is slightly cheaper than Medico. Plus implants are covered. That's a pretty big deal since quite a few people specifically asked me about implants. I doubt Spirit pays much but again, at least I can technically say yes they are covered.

Also Spirit offers a credit card payment options which it seems Medico does not. Also another obstacle when speaking to people on the phone who really didn't want to pay with bank draft.

Medico does seem to have the better coverage in year 3 at 80% for major services.

All in all Spirit seems like it would be much easier to sell. You can look over both options with a fine comb and see the pluses and minuses, but with Spirit it seems like I would be answering YES to my potential client instead of so many NOs and losing the sale.