dental insurance vs dental plans?
I have to go to the dentist and possibly have some work done on my teeth. I want to get some sort of insurance or a dental plan to help me pay because i know its going to cost a arm and a leg.
So does anyone know anything about dental plans? from what i read they are a lot better than insurance? and they seem cheaper too? but this seems too good to be true! so does anyone have one or know anything about them?
i was told to go here..
http://www.dpbrokers.com/default.aspx?locationid=20349
i dont get what the difference is between discount plans and fee for service discount plans? how will i know which one im getting? and making sure im not being ripped off??
Tagged with: Dental Plan • Dental Plans • Dentist • insurance • teeth
Filed under: Dental Plans
You need to be cautious about any dental plan. You will want to contact some of the dentist on the list to make sure they are taking the plan. If no list is provided consider it a scam.
Discount plans just give you a discount on the normal fee that a dentist will charge. There is no control over what the discount is. Very few dentist will actually accept a discount plan.
A fee-for-service discount plan has a schedule of fees that a participating dentist can charge, so you know before going in how much the charge will be, similar to the co-pay on your health insurance. These plans also publish this schedule so you will know what to expect before purchasing the plan.
With both plans no waiting period applies. Not so with regular dental insurance. With insurance there will be a waiting period before some procedures are covered. A typical plan will have a 6 month waiting period for basic services such as a filling to 18 months for major services such as a root canal. They also have a deductible and co-insurance that you will need to pay.
Discount plans are a SCAM. Some fee for service plans are quite good, but I feel as though there is no substitute for a comprehensive dental plan. Most dental plans Do have waiting periods, and as a result, often get a bad rep, but here is an affordable plan that has NO waiting periods for anything and lets you see any dentist you want. Additionally, it has a high annual maximum, and you only have to meet the $100 deductible one time for as long as you’re on the plan, not every year.
Check out http://www.BestForLessDental.com and see if the plan fits your needs. There is a phone number on there as well that you can call if you have questions and need to talk to a live person.
I work for a dental insurance company…that is the way to go. If you don’t have one offered thru your employer try your local chamber of commerce. They often have a group plan you can get in on.