Great Article on Dental Insurance

[Crabcake Johnny]

"And my patients have a point -- dental insurance typically is pretty lousy, for the patient and the dentist. There's not enough coverage, too many things aren't covered at all, the co-pays are too high, and the limitations are fairly strict. But why is this so?"

Thomas P. Connelly, D.D.S.: The Trouble With Dental Insurance

 

[STIBROKER]

Blue Cross Blue Shield of texas was the last good dental plan that I sold....any doc.....with a $2,500 cap.......

 

[VolAgent]

Pretty much hit the nail on the head. Also a glimpse of what is to come with health insurance.

 

[CHUMPS FROM OXFORD]

I hope to become a dental guru by 2018. For me...This plan has been popular:

Ohio Dental Insurance Rates

 

[Focus LTC]

Blue Cross Blue Shield of texas was the last good dental plan that I sold....any doc.....with a $2,500 cap.......

$2,500 cap? What's so good about that?

I'd rather have a $2,500 deductible and no cap.

Anything over $2,500 in dental bills is catastrophic. Isn't that what "insurance" is for?

 

[STIBROKER]

it was the highest cap on the market at the time....truthfully they all sucked....

 

[Crabcake Johnny]

It's almost guaranteed that the math won't work out between dental insurance and a discount plan.

I pay $120/yr for our discount plan and it's great. I could pay $600 a year for dental insurance and get two free cleanings per year. But we only pay around $50 for those cleanings with our discount plan.

When you hit major work, both plans act like discount plans. On top of that, most of my clients in the past who were adamant about getting dental insurance needed to get major work done...hence the pre-ex period.

Grab a good discount plan. Our has saved my family thousands and you should be pitching dental discount plans to all of your clients.

 

[sman]

Yep, I recommend a discount plan for anyone who asks as long as their dentist participates in one. Otherwise you are just trading dollars with dental insurance. And many times you will spend more by having true dental insurance than you would without any dental insurance.

 

[Focus LTC]

The only "good" dental insurance is if you belong to a large group, union, fed, state, or local gov employee...

oh, and I hear Medicaid in some states can be very comprehensive....

 

[Crabcake Johnny]

You always have to check with their dentist before selling a discount plan and all but ignore that fact that they might show up in a network search. Some disreputable companies show dentists who are in network yet don't participate.

I call the office and ask which discount plans they accept. If they don't have dentist I'll do a radius search and make sure the ones listed actually accept it.
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You always have to check with their dentist before selling a discount plan and all but ignore that fact that they might show up in a network search. Some disreputable companies show dentists who are in network yet don't participate.

I call the office and ask which discount plans they accept. If they don't have dentist I'll do a radius search and make sure the ones listed actually accept it.

You also want to warn your clients about some "dental credit" plans they try to pawn off. It's typically 29% compounded hourly.