"Buying Dental-Insurance
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| When shopping on-line, you have to deal with so many noisy... hypey... deceptive dental insurance quotes... jumping out at you. |
And if that isn't bad enough, you now have to deal with...
"All Those Different Dental-Insurance Names Being..."
...thrown at you, you know names like:
- Indemnity Plans
- PPO's Plans
- DHMO's Plans
- Direct Reimbursement Plans
- Dental Discount Plans
| How do you sort through all the noise and hype in order to find the dental plan that's right for you? |
And How Much Do You Really Need To Know
...in order to NOT make a mistake when buying dental-insurance?
Well, read on...
| ...and after you've read this webpage you'll understand the basic and important difference between the 5 major types of dental plans... you'll be confident you're buying the plan that's right for you and your family. |
When Buying Dental-Insurance... Know The Big Tip!
Knowing the BIG TIP and a few other points will show you to how to find suitable and affordable coverage .
So what's the "Big Tip"...?
Find out how comprehensive is the dental-insurance plan, especially in regards to specialist coverage.
How accessible is dental specialists coverage
In other words...
Most dental-insurance plans are very similar when it comes to preventive coverage or basis procedures, such as... teeth cleaning... x-rays... check ups and so forth.
Dental plans differ vastly when it comes to coverage for specialists and/or coverage for major dental procedures.
When Buying Dental-Insurance...
...always make sure you double check the plan's coverage for specialists' procedures.
| Coverage for specialists care is an overall barometer of the dental plan's commitment to you, your family or business overall dental care needs . |
Let's get some specific and important background info about each of the 5 major types of dental-insurance plans.
There are 5 major types of dental insurance plans... again, they are as follows:
- Dental Indemnity (Traditional) Insurance Plans.
- Dental Preferred Provider Organization (PPO) Plans.
- Dental HMO's or (DHMO) Plans
- Direct Reimbursement (DR) Plans
- Dental Discount (DD)Plans
"A Close-Up Look At The BIG 5"
Let's see how each of these Big 5 dental-insurance plans stack-up when comparing and buying dental-insurance... especially when it comes to coverage for specialist ?
Here's the break down on the Big 5...
- Direct Reimbursement Plans (DRP) - Fee for service plan, self-funded dental plan, reimburses patients according to dollars spent.
They have deductibles, anywhere from $250. - $500. Yes, deductibles do vary widely. No exclusion on pre-existing conditions. No limit or cap on yearly visits. They do impose annual dollar caps, usually between $2,000 to $2,500.
Monthly Cost or premium - None*, but patient must pay for all service first before plan administrator will reimburse patient.
Note: No restrictions on access to specialists.
Dental Discount Plans (DDP) - Membership plans, like giant buyers clubs. Also, known as provider access plans, provides members and persons with no employer sponsored coverage full access to dentists. Members are guaranteed dramatic discounts on all procedures.
Most have No deductible. No limit on yearly visits. No annual dollar cap. No exclusions on pre-existing conditions. No age limit.
Monthly cost or membership rate: $14. - $25. per household.
Note: Some offer full access to all specialists.
Dental Indemnity Insurance - These are your traditional dental insurance plan, these are the type of insurance plans you're probably most familiar with.
They have high deductibles, usually somewhere between $150.- $350. per yr. Exclusions on pre-existing conditions. Annual limits or caps on both yearly visits and dollar amounts covered, usually around $1,500 per year.
Monthly cost or premium, roughly $45 plus, per person.
Note: Un-restricted access to specialists.
Preferred Provider Organizations (PPO) - Another true dental insurance plan. A group of dentists agree to offer their services to a "third party administrator" at a discounted rate.
Deductible $150.- $300. per yr. Exclusions on pre-existing conditions. Annual limits or caps on both yearly visits, and dollar amounts covered, again around $1,500 yearly.
Monthly cost or premium, about $35 plus, per person.
Note: Restricted access to specialists outside of network.
Dental HMO (DHMO) - Another true dental insurance plan, also known as a "Capitation Plan". They operate much like their health care HMO 'sister', dentist receives a set monthly fee from plan administrator for each enrollee.
No Deductible (standard), but you may have to pre-pay 1 full year worth of premiums. Exclusions on pre-existing conditions. Annual limits or caps on both yearly visits and dollar amount covered, around $1,500.
Monthly cost or premium anywhere between $20 - $40 per person.
Note: Limited access to specialists.
Did you noticed the type of ...
| "Dental-Discount-Plans" have - No deductibles - No limits - No caps - No exclusions on pre-existing conditions - No age limit - No restrictions NO LOOPHOLES - maybe I should say... some don't have loopholes. |
And one more thing about discount plans - No messy claim forms to fill out... "dentist reduces your fees or costs at time of service."
All these No's add up to mean...
"Hassle Free Enrollment - Universal Acceptance...!"
...you DON'T even have to provide your social security number to enroll in a dental discount plan.
| Most discount plans offer you savings on ALL Specialists - Orthodontists, Endodontics, Periodontis, Prosthodontics, Oral & Maxillofacial Surgeons and Pediatric Dentists. |
In other words discount plans do a much better job of providing access to specialist care... than do all other dental-insurance plans.
And now the discount dental plan I recommend... it has the most comprehensive specialist coverage in America.
"The Recommended Dental-Plan"
This "Discount Dental Plan" is really something special - I promise you'll get more than a good deal - you'll get a great bargain - you'll save money!
Don't take my word for it - go there and find out for yourself.
There you have it.
"Your Behind The Scenes Look..."
... at what you need to primarily concern yourself with when buying dental-insurance.
In the meantime...
Do check out the recommended dental plan for yourself...
...go to their website and they'll tell you in more detail what they have to offer... especially in the way of coverage for dental specialists.
| Again... here's the link to dental-insurance or rather "discount" dental plan I highly recommend - check them out - you'll be glad you did! |
Now You Know What The "Big Tip" Is
It's specialist coverage... and what basic facts to pay special attention to when buying dental-insurance...
...keep the "Big Tip" in mind when you're ready to buy, and you won't go wrong.
Take care and...
Broker-Moe...
"...shows you BEST... how to INVEST... your dental-care dollars"
6 St. Joseph Terrace - Albany, NY 12210
(518) 255-5596