by Guest » Tue Nov 08, 2011 06:06 pm
I have a lot of work to be done to my teeth but have no dental insurance. I've hunted up and down the web and can only find stuff like 10-50% discount plans. What the heck is one supposed to do when their mouth is in need of help? Please help!
Posted: Tue May 08, 2012 12:03 pm Post Subject:
There are plans which start as low as $6 per year per person to as much as $230 per person per year, each with their own unique benefits. Explore a little, you will find one best suited for your needs.
Posted: Mon Jun 18, 2012 05:09 am Post Subject:
dental health is very important. Teeth is a very essential part of our body.We should take care of our teeth as other part of our body. It is better to insured your teeth with a credible company.
Posted: Mon Jun 18, 2012 01:14 pm Post Subject:
Sorry I missed seeing this when it was first posted.
There are plans which start as low as $6 per year per person to as much as $230 per person per year, each with their own unique benefits.
The "unique benefit" of a $6/year dental plan must certainly be the lower cholesterol that results from the one burger per year the insured doesn't have the money to pay for.
Posted: Fri Feb 15, 2013 05:48 pm Post Subject:
I have a lot of work to be done to my teeth but have no dental insurance. I've hunted up and down the web and can only find stuff like 10-50% discount plans. What the heck is one supposed to do when their mouth is in need of help? Please help!
Sorry, I know this is an old post but I want to address this as it always bothers me. I am a big supporter of discount dental plans.
Here is an example and you will see just how useless dental insurance is and how good discount dental plans are.
This will show the cost of dental care over the course of 7 years, based on 14 cleanings and one purchase of braces in the course of 7 years:
Option 1: Dental Insurance (Typical Dental Insurance will cover 2 cleanings a year and have about a $1,500 annual maximum payout)
Cost of Premiums (7 Years): $4,200
Cost of Cleanings: Free
Apprx "Out-of-Pocket" Costs for Braces: $3,950
Total Cost Including Annual Premiums over 7 Years: $8,150
Option 2: NO INSURANCE OR DENTAL PLAN
Cost of Premiums (7 Years): $0
Cost of Cleanings: $1,120
Apprx "Out-of-Pocket" Costs for Braces: $5,300
Total Cost Including Annual Premiums over 7 Years: $6,420
Option 3: Discount Dental Plan
Cost of Premiums (7 Years): $1,120
Cost of Cleanings: $896
Apprx "Out-of-Pocket" Costs for Braces: $3,289
Total Cost Including Annual Premiums over 7 Years: $5,305
[b]Source of Information on Costs: (Promotional link removed as per Community TOU)
Now you can clearly see that, in this case you are best off with a discount dental plan, then next better off with having nothing, and you are worst off with dental insurance.
But for some reason people seem to think that dental insurance is so awesome and discount dental plans are some sort of scam.
This makes no sense to me!
Posted: Fri Feb 15, 2013 05:50 pm Post Subject:
I have a lot of work to be done to my teeth but have no dental insurance. I've hunted up and down the web and can only find stuff like 10-50% discount plans. What the heck is one supposed to do when their mouth is in need of help? Please help!
Sorry, I know this is an old post but I want to address this as it always bothers me. I am a big supporter of discount dental plans.
Here is an example and you will see just how useless dental insurance is and how good discount dental plans are.
This will show the cost of dental care over the course of 7 years, based on 14 cleanings and one purchase of braces in the course of 7 years:
Option 1: Dental Insurance (Typical Dental Insurance will cover 2 cleanings a year and have about a $1,500 annual maximum payout)
Cost of Premiums (7 Years): $4,200
Cost of Cleanings: Free
Apprx "Out-of-Pocket" Costs for Braces: $3,950
Total Cost Including Annual Premiums over 7 Years: $8,150
Option 2: NO INSURANCE OR DENTAL PLAN
Cost of Premiums (7 Years): $0
Cost of Cleanings: $1,120
Apprx "Out-of-Pocket" Costs for Braces: $5,300
Total Cost Including Annual Premiums over 7 Years: $6,420
Option 3: Discount Dental Plan
Cost of Premiums (7 Years): $1,120
Cost of Cleanings: $896
Apprx "Out-of-Pocket" Costs for Braces: $3,289
Total Cost Including Annual Premiums over 7 Years: $5,305
Source of Information on Costs: http://truedentaldiscounts.com
Now you can clearly see that, in this case you are best off with a discount dental plan, then next better off with having nothing, and you are worst off with dental insurance.
But for some reason people seem to think that dental insurance is so awesome and discount dental plans are some sort of scam.
This makes no sense to me!
Posted: Fri Feb 15, 2013 06:29 pm Post Subject:
Like anything else, however, if you pay for something and don't use it, you've paid too much to begin with.
Obviously, the greater benefit of a dental discount plan is that they could care less about "preexisting conditions" inside your mouth, they aren't paying any claims.
But the reality is that by simply asking, "What's your cash price if I pay in full at the moment?" you should be able to get the same 10% to 50% discount that you pay someone else just to be able to carry their discount card in your pocket. All they do is give you a list of dentists they think will give you a discount just for showing the card. These plans don't drive significant business to any particular dentist, and it doesn't usually cost the dentist to "join" the plan.
That's the "scam" side of health/dental discount plans. They proliferate because people are afraid to negotiate. An HMO dentist, who gets a $20 copay from the patient, and $35 for the office visit from the HMO, plus $5 per month in capitation, for a total of $60 on a "service" that carries a $150 price tag, will easily accept $100 in cash than press for the $150.
The dentist gets 66% more than usual and the patient thinks they obtained a 33% discount. And everyone is happy. Except the dental discount plan and salesman who didn't make a penny.
As for me, a penny a day keeps the dentist away.
Posted: Fri Apr 12, 2013 07:38 am Post Subject:
You could save more of your pocket expenses if you go to a dentist who participates with dental insurance plan.
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