Stand Alone Dental Plans

[kgmom219]

A large number of people are all of a sudden asking about Dental, so I started researching. It's SHOCKING that insurance companies expect families to pay so much, for so little benefit!

The stand-alone family dental plans keep going up and up in premium, but have that crappy $1,000 or $1,500 annual benefit limit, $50 deductible, 50% cost-sharing, adult waiting periods.. i.e. REAL GARBAGE for "only" $125 a month with Blue Cross, or $157 a month with United HealthScare, for a family of 3. (Ages: 32/30/2)

That being said, I do believe Pediatric Dental has merits...but only because the government mandates the benefits. Government says, "Cover everything for kids!" Insurers say, "Ok...but Adults get NADA baby!" It's too bad there's no "middle ground" to these extremes.

NEXT PHASE is to investigate the Dental Discount plans in more depth.

I used to sell a really nice one with Careington back in the 2000-2005 era, but a glance at Careington.com just now shows the Dentists network is virtually non-existent in the Chicago area. Too bad. DentaSaver.net (Aetna PPO) was another favorite, but it went off-line earlier this year. Aetna is only doing large Dental PPO contracts, if I'm interpreting https://www.aetna.com/insurance-producer/dental-plans-programs/dental-discount-program.html correctly.

Any good quality wide-network Dental PPO Discount Plans still in existence that brokers can sell to individual clients?

-ac

Cigna.

Its not a discount plan, its real dental (mirrors group). It does have a waiting period if no prior coverage, but I'm happy with the cost and coverage from Cigna supplemental. Take a look there.

 

[pcbinsurance]

http://sites.dpbrokers.com/broker/index/?id=41626&subaffid=??

 

[Bob_The_Insurance_Guy]

I provided this:

Individual Dental and Vision Insurance - Security Life PrimeStar

Has a $2K max, waiting periods for the major stuff, but has an Indemnity Plan that people like. I'm not married to it, but have had no complaints yet...