Dental Program for Seniors

[MedSuppPro]

delta dental is a great plan. email me and i will give you contact information. my email is call.4.insurance at gmail.com

Instead of selling your "great plan", tell us about your great experience.

Have you sold any "great plans" to people over age 65?

How credible is your "great plan"?

 

[patch36]

Your great plan has exclusions for pre-existing conditions, annual limits and low commissions. I'll just give my clients who are interested in that kind of plan your number
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CompBenefits has a DHMO that is good for all ages. The price is right and unlike most plans, does not have deductibles, waiting periods or annual caps.

I checked, and my dentist takes it.

I didn't check the details, but I will and if it looks good I will give clients the link in my newsletter.
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It looks just like the schedule for one of the discount plans and the cost is similar. It does provide some stuff no charge, so it is more than just a discount plan.

Thanks for the info.

 

[Call4Insurance]

Every plan in insurance has exclusions.
I have sold ten of these plans in the last month.
Yes commissions are crap but you know what? Its not always about commissions, its what the customer wants.
I am in Florida and we have plenty of dentists who accept this and my customers like having something that helps them.
Yes it has limits, as does all dental.
If you explain products clearly you should have no complaints from customers.

 

[patch36]

In my limited understanding and experience with dental plans... The dental insurance plans have exclusions, low annual limits and networks that may not fit the needs of the client. The discount type plans have no exclusions or limits and if you shop them backwards by finding which plan your dentist accepts, may have less network issues.

It is about doing what is right for the client, but IMO I seldom would be doing the right thing with dental insurances, so I don't. I will refer them to plans, especially the discount plans as a service. If you feel good about a particular plan and it is good for your client...

I prefer not to sell Dental Insurance at this point, but that doesn't mean I will not help my client make an informed decision that allows them to find a suitable option.

 

[midwestbroker]

When I was with Humana we sold some dental plans. Commission was horrible, but people liked the plan (PPO Dental @ $35 a month)

I contracted with SMS and their senior dental program. I have not sold one yet though.

We (my family) have a discount dental program. Cost us $160 for the year, I got a $60 commission, and we have saved about $130 on my wife's last dental visit, so I cannot complain.

 

[somarco]

It looks just like the schedule for one of the discount plans and the cost is similar. It does provide some stuff no charge, so it is more than just a discount plan.

No Chuck, it is not like the discount plans.

Those are REAL copays for everything. No caps. No waiting period.

It is an insured plan at half the rate of insured PPO plans and priced comparable to discount plans.

Every plan in insurance has exclusions.

You will find very few in the CompBenefits plan. Orthodontia comes to mind.

 

[TXINSURANCE]

I have one issue age 25 to 99.

$100 deductible pays up to $1000 / year dental, vision, or hearing including hearing aids.

Not an association, requires license and appointments - I can not post much more online. PM or email me for PDF's etc., etc.,

Price varies by age, online application or paper.

Commission is 30% first year with renewals.

 

[stormtracker]

The best dental plan for seniors is Polident or Efferdent...

 

[arnguy]

CompBenefits has a DHMO that is good for all ages. The price is right and unlike most plans, does not have deductibles, waiting periods or annual caps.

Bob, I see that the CompBenefits Direct plan is underwritten by Careington International. Boy, for a single it has a dirt cheap premium of only $6.95 per month after a $35 enrollment charge in my area. I would assume that can vary by area. The schedule certainly seems to be decent, too.

BTW, I read somewhere that the "boomers" will be the first generation to go to their graves with most of their teeth intact.

 

[somarco]

Arn, there are actually two plans here.

Careington discount plan and CompBenefits DHMO.

Nothing exciting about Careington. Same as you can get anywhere. But the other plan is fully insured.

I don't like dental plans, but this one is sweet.