Senior Dental

[texaslady]

I have some clients asking me for this.... and so far the plan with Constitution seems legit, it's roughly 20$ a month for a maximum $1600 benefit per year, and there's no network. I kind of feel like I'm missing some major detail though.... anyone have experience with a GOOD senior dental plan?

 

[DS4]

I anyone have experience with a GOOD senior dental plan?

"Good" and "dental" should not be used in the same sentence.

Is there a waiting period before type 2 and 3?

 

[somarco]

Missing something like a waiting period on major work?

I am not familiar with Constitution, but other than DHMO's, almost every other insured dental plan has a 12 month waiting period. If they don't have a waiting period they use a graded benefit for major work.

The other thing to consider is, these plans don't pay a true 50%, 80%, etc.

They pay a percentage of what they consider a reasonable charge for the procedure.

But other than that, dental plans are wonderful.

 

[DS4]

Missing something like a waiting period on major work?

I am not familiar with Constitution, but other than DHMO's, almost every other insured dental plan has a 12 month waiting period. If they don't have a waiting period they use a graded benefit for major work.

The other thing to consider is, these plans don't pay a true 50%, 80%, etc.

They pay a percentage of what they consider a reasonable charge for the procedure.

But other than that, dental plans are wonderful.

Don't forget the $2/month commission.

 

[somarco]

Don't forget the $2/month commission.

That's a feature, not a bug.

 

[Biggin]

Medico has a pretty good plan....as good as dental gets. 50% commission if that's important to you.....lol.

 

[somarco]

http://www.gordonmarketing.com/Medico DVH Power Point.pdf

 

[Biggin]

Yeah, that....but you can contract direct as well. Some states are 40%ish and some are 50%

 

[texaslady]

There's a six month waiting period for type II services, 12 month waiting period for type 3. This plan doesn't pay a percentage split, rather it the client just pays X amount for whatever service, and the insurance pays the rest....

What I don't understand is how there is no network, what if a dentist won't take it?

 

[DS4]

There's a six month waiting period for type II services, 12 month waiting period for type 3. This plan doesn't pay a percentage split, rather it the client just pays X amount for whatever service, and the insurance pays the rest....

What I don't understand is how there is no network, what if a dentist won't take it?

Is this it?
http://www.michiganhealthplansinc.com/Senior_Dental_2010_Brochure.mht.pdf
If so, it's a scheduled plan.