What should contact be for Ameritas

[LostDollar]

Oboy

well I am new with them, I only really just started to sell them
I am really hoping it will be better then Manhattan life

the complaints were getting annoying.
many people dont understand it, I get calls all the time do you have anything else my dentist does not take this

That is why we went with it you can go to any dentist you can submit the bill and get reimbursed

But my dentist does not take it don't you have anything my dentist takes?

I just hate having those conversations over and over again

and I have had enough people cancel because the don't pay nuffin
And this is usually after the 1st year so its not like that
Not sure what exactly the issue is what that but cant spend my days chasing dental claims

I don't know if Ametrias does not work out I will probably not sell dental

Caveat, not an agent.

@DS4 Hey!, I know you think dental really sucks but you do have an approach for your clients.

Could you briefly tell vic what you do and post that link you use for Delta plans so he can see if they happen to have coverage in other states beside CA that might be of use to him (vic).

 

[vic120]

Caveat, not an agent.

@DS4 Hey!, I know you think dental really sucks but you do have an approach for your clients.

Could you briefly tell vic what you do and post that link you use for Delta plans so he can see if they happen to have coverage in other states beside CA that might be of use to him (vic).

Ahh I did have a delta plan briefly but they are not selling under the group I was contracted and they were a pain to deal with

I could contract direct in some states not in others

not only that I found in what I saw the low plan was good for preventive but the higher plans were weak, with no vision option

 

[LostDollar]

@sshafran Scott would you have any comments for vic about Ameritas in addition to what Chazm said?

 

[LostDollar]

I've never written one and my #'s are old(from when they were Security Life). 20% 1st year and 5% renewals?

Would you see Aetna dental as a possible product choice for vic needing a multi state option?

 

[LostDollar]

(I apologize if landing page is not the right terminology, there is technology here I really don't understand.)

@vic120 If I was an agent (and Ameritas has not changed much from what I saw around 3 years ago) I think the only way I would sell Ameritas dental insurance is on a no agent-client conversation, take it-or leave it, basis from a landing page.

 

[LostDollar]

Ahh I did have a delta plan briefly but they are not selling under the group I was contracted and they were a pain to deal with

I could contract direct in some states not in others

not only that I found in what I saw the low plan was good for preventive but the higher plans were weak, with no vision option

If you are less concerned about premium and more concerned about options, Sam's Met Life stuff might be a good thing for you to look at.

 

[vic120]

If you are less concerned about premium and more concerned about options, Sam's Met Life stuff might be a good thing for you to look at.

Okay Why though?

1st what is it you do not like about ameritas?

is it personal experience, did you have issues with claims?
and 2ndly why these carriers
because honestly if its not going to be easy I am not going to sell dental at all

I want east dentist look up and sign up
easy quoting
and easy explanations

 

[LostDollar]

Ahh I did have a delta plan briefly but they are not selling under the group I was contracted and they were a pain to deal with

I could contract direct in some states not in others

not only that I found in what I saw the low plan was good for preventive but the higher plans were weak, with no vision option

We'll see if DS4 responds.

As I understand his posts, He does not want to discuss dental with his clients in any way, shape, or form, period.

He has a link, maybe imo/fmo, that he gives his clients -- saying here is an option you can check out for dental coverage. Decisons are yours, I can't give you advice or direction about the coverage. The product option include Delta Dental coverage in CA. I checked one time and found they did offer that Delta coverage in some other states too, but not Kansas.

After reading posts and having to think about it, I think I see four ways an agent might deal with dental insurance.

--Not do it at all.

--Provide clients with an option which they can check out on their own and decide if it is acceptable to them.

--Go to the trouble of setting up a landing page for some carrier and refer your clients to that. Say on the landing page what you have to say about that product and tell your clients that's all you are going to say about it.

Back before Ameritas changed from Plan Years to Calendar Years for coverage, I saw one of those for an Agent in CA. I thought it was very well done and showed the potential of how an agent could use a landing page. (with my usual skill, I pi$$ed off the agent by giving him an out of the blue set of comments about how he could make good pages even better. )

-- Do engage the client meeting for each sale.

 

[LostDollar]

Okay Why though?

1st what is it you do not like about ameritas?

is it personal experience, did you have issues with claims?
and 2ndly why these carriers
because honestly if its not going to be easy I am not going to sell dental at all

I want east dentist look up and sign up
easy quoting
and easy explanations

The best I can remember--

-- I thought the networks were going to be very limited.

--I thought their allowed amounts for the starting point of computing out of network payment amounts were likely to be quite low.

(The article @somarco posted about dentists dropping out of networks would be a good read for you.)

--I didn't like the amounts of the deductible on some of their plans.
I did not like the way they moved services around as subject or not subject to deductible in some of their plans.

--I didn't like the way they played with what service classification -- preventive, basic, or major they put some services in.
(as an example -- can't remember whether this was Ameritas or some other carrier, I saw at least one low priced plan where the carrier moved bite wing xrays from the "normal" preventive category to the "basic" category where they were subject to the deductible.

--At the time I was looking, I needed immediate coverage. I didn't like the waiting periods.

--At the time I was looking, you staged into the maximum benefit payment level over a period of 3-4 years. That was also not helpful to me.

That is at least some of it. Ameritas had some very low priced plans but for my purposes in KS three years ago, in my personal non-agent, opinion,
UHC, MetLife, BCBSKS, and DeltaDentalKS all offered better qualities of coverage.

 

[vic120]

We'll see if DS4 responds.

As I understand his posts, He does not want to discuss dental with his clients in any way, shape, or form, period.

He has a link, maybe imo/fmo, that he gives his clients -- saying here is an option you can check out for dental coverage. Decisons are yours, I can't give you advice or direction about the coverage. The product option include Delta Dental coverage in CA. I checked one time and found they did offer that Delta coverage in some other states too, but not Kansas.

After reading posts and having to think about it, I think I see four ways an agent might deal with dental insurance.

--Not do it at all.

--Provide clients with an option which they can check out on their own and decide if it is acceptable to them.

--Go to the trouble of setting up a landing page for some carrier and refer your clients to that. Say on the landing page what you have to say about that product and tell your clients that's all you are going to say about it.

Back before Ameritas changed from Plan Years to Calendar Years for coverage, I saw one of those for an Agent in CA. I thought it was very well done and showed the potential of how an agent could use a landing page. (with my usual skill, I pi$$ed off the agent by giving him an out of the blue set of comments about how he could make good pages even better. )

-- Do engage the client meeting for each sale.

Yea I prefer to enroll them on a take or leave bases
because if they do it on their own it causes procrastination, issues , call backs with additional questions

I don't want to offer too many choices just enough to fit most situation
but not enough to cause confusion questions and procrastination

Just want a simple plan that pays what it says and has enough dentist in network that is not complicated to use