Depends on the probability of that expense. The higher the probabilty, the more sense it makes.
Individual Dental
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Depends on the probability of that expense. The higher the probabilty, the more sense it makes.
- 624
Retread -
Many indemnity plans are not PPO contracts, and only a small percentage of dentists agree to discount their services.
In a metro area you would do good to find 15 - 18% of the providers participating in ANY plan.
Even if you went to a par provider and, using the example above, your carrier paid 50% of the negotiated rate, you still have over $500 OOP and have used up almost half your annual cap.
Throw in a couple of cleanings, and you have used 70 - 80% of your annual cap.
So how good is that plan when you don't need a crown? And don't forget to factor in the 12 month wait on major work.
If you still believe individual dental is a good deal, and there really is a tooth fairy, that is your choice.
The numbers don't lie.
Many indemnity plans are not PPO contracts, and only a small percentage of dentists agree to discount their services.
In a metro area you would do good to find 15 - 18% of the providers participating in ANY plan.
Even if you went to a par provider and, using the example above, your carrier paid 50% of the negotiated rate, you still have over $500 OOP and have used up almost half your annual cap.
Throw in a couple of cleanings, and you have used 70 - 80% of your annual cap.
So how good is that plan when you don't need a crown? And don't forget to factor in the 12 month wait on major work.
If you still believe individual dental is a good deal, and there really is a tooth fairy, that is your choice.
The numbers don't lie.
You guys are something else, You spend half you day or time defending your position on a Dental Plan???? Maybe if you spent time selling, you might make a living, For some of you, You are on here 24 hours a day, How do you sell anything?
- 9,744
You guys are something else, You spend half you day or time defending your position on a Dental Plan???? Maybe if you spent time selling, you might make a living, For some of you, You are on here 24 hours a day, How do you sell anything?
Someone annointed you as "sales manager"?
- 218
I am an affiliate for Dental Plans, Insurance Coverage, Individual, Group, Family, Free Quote, Health , they have dental plans and real dental insurance to offer. Don't pay a lot but if you have a customer that absolutely wants dental and you sold them a Golden Rule policy it might be worth looking at.
Once again, your comments are of no use and a complete waste of cyber space
Stupid Flies!!! Someone grab me a fly swatter!!
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If you are going to sell dental (or major med, or LTCi, or Med Supp, or . . .) you better damn well know how claims are paid.
Especially if it is a product that has a lot of interaction with the carrier (ie., lot's of claims).
When your client complains about the way a claim was handled, you can be proactive and explain the EOB or you can say you don't know and suggest they call the carrier.
I dare say there are a dozen people on this forum who know how dental plans work when a claim is submitted. Most folks come here to learn, others to share.
If someone learns something from this thread that will be useful then that is a positive. If they want to sell dental it might be good to know what to tell a client when they want to know why the plan only paid half their claim.
My job is to show clients the best value for their dollars. If they still want to buy something I don't recommend, I let them.
Sometimes they buy it from me (like dental coverage), sometimes they buy it from someone else (like a major med without Rx coverage).
I don't push dental, but if someone insists, I don't stand in their way.
If they insist on buying a Copay Saver I invite them to go direct or use another agent.
Especially if it is a product that has a lot of interaction with the carrier (ie., lot's of claims).
When your client complains about the way a claim was handled, you can be proactive and explain the EOB or you can say you don't know and suggest they call the carrier.
I dare say there are a dozen people on this forum who know how dental plans work when a claim is submitted. Most folks come here to learn, others to share.
If someone learns something from this thread that will be useful then that is a positive. If they want to sell dental it might be good to know what to tell a client when they want to know why the plan only paid half their claim.
My job is to show clients the best value for their dollars. If they still want to buy something I don't recommend, I let them.
Sometimes they buy it from me (like dental coverage), sometimes they buy it from someone else (like a major med without Rx coverage).
I don't push dental, but if someone insists, I don't stand in their way.
If they insist on buying a Copay Saver I invite them to go direct or use another agent.
- 9,744
You're gettin' too easy to bait. No fun anymore.
- 15,319
Didn't say I like it and I have not sold it. Only offered it as a suggestion since there is no network issues.
When a client asks about individual dental I go over the math. I have yet to have anyone buy a plan from me.
Rick
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