Med Supps and DENTAL Coverage Recommendations?

[El Capitan]

What's the best recommendation to seniors signing up for med supps - on their DENTAL coverage ???

Don't know that a dental discount plan is the best option for someone w/ perhaps greater dental needs.

Thanks!

 

[ILUVSAILZ]

I've had that dilemma for awhile also- where are you located or marketing?

 

[somarco]

If you have a DMO in the area, such as Humana, offer that. Otherwise, tell them to save their money. Everything else is a ripoff.

 

[Frank Stastny]

I've been searching for a good dental plan to offer seniors for eighteen years. Still haven't found one that I felt was worth the premiums charged.

 

[Chazm]

I don't understand how they are not worth it. Of course it doesn't cover everything but I got mine this Jan. The premium for the year is $276. I've had 2 cleanings and now I need 3 fillings. Normally the 2 cleanings with x rays would run well over $200 alone. Add in the 80% off for fillings and I'm already ahead.

I'm not saying they are great but they are better than paying fully out of pocket

 

[floridagirl]

Chazm, where are you in FLA? And what company did you get?

 

[pbbaseball]

in NC, i think both Humana and UHC are pretty decent plans, but 90% of the time sell humana... agree with somarco though for indemnity stuff

 

[Chazm]

Chazm, where are you in FLA? And what company did you get?

Im in Orlando. I have the UHC GR dental. Not really promoting it, humana's $11.99 plan isn't too bad either, for the price.

 

[Superchief]

Dental insurance is very worthwhile if it's used. The cost is definitely a plus. but this is coming from someone who has had to shell out big $$ for dental work when not covered. The cost outweighs the premiums all day.

Problem though is that just about every client who has asked me about dental coverage already has a toothache, and of course there is a waiting period of at least 6 months for anything other than a looksee.

It's a decent ad product. I've placed ads int he past in some small community papers and gotten terrific response then crossed the med supp behind it.

I used to have a good deal with Smile Right through Security Life but it is gone. Constitution Life has one I use occasionally. Decent pricing, good benefits and pretty widely accepted down here.

 

[Chazm]

Dental insurance is very worthwhile if it's used. The cost is definitely a plus. but this is coming from someone who has had to shell out big $$ for dental work when not covered. The cost outweighs the premiums all day.

Problem though is that just about every client who has asked me about dental coverage already has a toothache, and of course there is a waiting period of at least 6 months for anything other than a looksee.

It's a decent ad product. I've placed ads int he past in some small community papers and gotten terrific response then crossed the med supp behind it.

I used to have a good deal with Smile Right through Security Life but it is gone. Constitution Life has one I use occasionally. Decent pricing, good benefits and pretty widely accepted down here.

Yeah, about 2 years ago when I was still new in the Biz me and a colleague did a dental mailer. Holy cow you get a good return. Unfortunately we only did one FE and a bunch of Dental plans but we were still new in insurance and could probably do a lot better now