- 30,530
But wouldn't dentists, at least some of them, balk at filing the claim?
I don't know why they wouldn't. They can call and verify benefits before they treat you. If they wouldn't take my insurance, I might have to go elsewhere(although I really like my dentist).
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That looks like a plus and a minus. Nice to have the charge paid for but "available funds" might get used up faster than when a network "caps" provider charges. While I was still working, I always saw that as one of the advantages of the various group health plans-before the Ins Co's share and my share was laid out on the EOB, there was a reduction of provider charges to some network standard. In some cases charges would be eliminated altogether because "the network" said they should be included in the charge for a more basic activity.
I think some of that stuff could run up pretty quick with the assortment of possible charges for dental and vision services. No knowledge of what happens in the hearing aid corner.
The way this plan pays, they'd still be better off.
I have to wonder how many dentists in those networks up their rates for the network. I've checked prices on some in the past and their rates were rediculous. Kind of like having a PDP that charges a $10 copay for a drug you can pay $4 cash for.
After 12 months they'll pay 70% in year 2 and 80% after that on hearing aids ... up to $1,500 a year. No other plan comes close to that.
That's what's so nice about CUL's plan, you have a pool of money that you can spread out in the 3 categories..or use it all on one item like hearing aids or dentures.