Discount FAMILY-DENTAL-PLANS
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| With "traditional" dental insurance plans... you have to sit and STUDY for hours just to make sense of their COMPLICATED, loophole filled policies. Especially, the DREADED BIG 3 of dental and health "insurance" policies... exclusions... limitations... and deductibles!. |
Then hope you don't have to pick-up the phone and call customer service, and ask them even more questions about a...
Dental Insurance Policy Customer Service Doesn't Understand
And it gets worst... when later you have to file a LONG and COMPLICATED dental insurance claim form!
| Well cheer-up... because there's good news. A select few "discount" family-dental-plans are so simple... so easy to understand and work with... you'll wonder where have "discount" family-dental-plans been all your life. |
One thing is for certain... with "discount" family-dental-plan coverage...
You'll Know Exactly Where You Stand
You'll know what to expect and what not to expect with a "discount" dental plan... make no doubt about that!
To help you understand how "discount" dental plans differ from "traditional" dental insurance plans... let's look even closer at the things dental insurance plans are notorious for...
Namely, the DREADED Big 3!
Let's look up-close at the first of the Dreaded Big 3... Limitations.
Practically all dental-INSURANCE-plans or policies have limitations.
First and foremost... there's what we call MAXIMUM LIMITATIONS.
| Meaning... most INSURANCE plans have maximum payments or payout limitations, on expensive procedures and related services, for things like dental-braces... implants... bridges... and so forth. |
For Example, Let's Say Your Child Needs Dental-Braces...
The family coverage offered by your typical dental "insurance" company will only cover $1,000 of the total cost of braces for your child... braces can cost anywhere from $3,500 to $5,500!
And, your typical insurance company will only pay the $1,000, after you met your $200 deductible, first.
If My Math Serves Me Correctly...
A $200. deductible less a $1,000. payment means... you are really only getting a $800. benefit... but that's a discussion for another day.
| This $1,000 maximum payment towards dental-braces from the insurance company could be for your one child only, or it could be for your entire family... for the benefit year... which is your annual limitation. |
Or this $1,000 coverage limitation for braces could be for the entire life of your policy (life-time limitation) for your child... or for any one family member.
This simply means the $1,000 is the maximum amount the family-dental-insurance plan will pay towards braces for you or your child in one year... your annual year.
And of course if it's lifetime limitation...
| Then a lifetime maximum limitation for our purposes means... the $1,000 coverage or payment is all the dental insurance company will pay towards braces... for your child or any one family member... for the life of your policy with them. |
I Know It All Sounds CONFUSING!
That's why you should always ask questions about your dental insurance policy, especially when it comes to limitations... exclusions... and deductibles - remember, the Dreaded Big 3!
Dental and health insurance companies are famous for their loopholes and tricks!
You've heard the stories, or you've experienced it yourself... dental and health insurance policies that renege on your coverage when you need them the most.
And if you ask me... anyway you cut it, a $1,000 payment towards $5,000 braces, for one person, let alone for an entire family is just ridiculous!
Unfortunately that's how dental insurance policies are developed and written by corporate America.
Whereas, most "DISCOUNT" family-dental-plans have... NO LIMITATIONS whatsoever!
| You can go see a dentist or specialist as often as you like, whenever you like... and no matter what the visits or procedures cost... you'll get a deep discount every time - guaranteed! |
And here this...
Save Roughly $2,500 Dental-Braces...
...with those select few Discount Dental Plans.
| That's right you can get roughly 50% off... or a $2,500 discount and sometimes more... on $5,000 dental-braces for your child. |
More about those select few "discount" family-dental-plans a little later. For now...
To really bring my point home about discount plans...
I Want To Share Two Up-To-Date Charts With You
These charts compare cost and extent of coverage for two different TYPES of "family-dental-plans".
A comparison between a wonderful "DISCOUNT" family-dental-plan... and a typical dental "INSURANCE" family-plan, in America.
| MONTHLY RATES (Jan. 1, 2009)*** | ||
| Major Dental Insurance Company* | OPTION 1 | OPTION 2** |
| Child only (age 18 and under) --------- | $21.60 | $25.30 |
| Adult, spouse and one child ------------ | $76.70 | $92.00 |
| Adult, spouse and 2 or more children - | $109.60 | $130.90 |
| Adult and one child ----------------------- | $50.30 | $59.10 |
| Adult and 2 or more children ----------- | $83.20 | $98.00 |
Both option 1 & 2 have a $1,000 Annual Benefit Maximum (per person, per benefit period). Both have a 6-month waiting period. Both have a $50. deductible for covered services.
* Note, neither Option 1 or Option 2 offers coverage for dental braces and related services (exclusions).
** Option 2 differs from Option 1 in that, Option 2 offers additional coverage for crowns, veneers, dentures & bridges. Option 2 will pay 50% of these services after a $200. deductible is met.
*** These are actual figures provided by Blue Cross and Blue Shield of Oklahoma, which happens to be that state's largest private health insurer.
| MONTHLY RATES (Jan. 1, 2009)*** | ||
| Leading Discount Dental Plan* | OPTION 1 | OPTION 2** |
| Child only (age 18 and under) --------- | $14.95 | $14.95 |
| Adult, spouse and one child ------------ | $19.95 | $19.95 |
| Adult, spouse and 2 or more children - | $19.95 | $19.95 |
| Adult and one child ----------------------- | $19.95 | $19.95 |
| Adult and 2 or more children ----------- | $19.95 | $19.95 |
Option 1 and Option 2 coverage are identical, because there are NO different coverage levels with their DISCOUNT PLANS. Also, there are NO annual maximums, NO waiting periods, and NO deductibles.
* This discount dental plan I recommend, offers blanket or comprehensive coverage for all 353 medical approved dental procedures, including dental braces and all cosmetic procedures - No exclusions.
** Also, the discount plan I use offers "Household" coverage. Meaning, everyone living in "Household" is covered under same dental plan whether related, a dependent, or neither.
*** These are actual and current figures provided by AmeriPlan® a Nationwide USA health services provider. Note, the $19.95 figure repeated often is not a mistake.
Take a second look at both charts... can it be more simpler and clearer... where the smart choice is?
"DISCOUNT" Family-Dental-Plans...
Not only do they NOT have Limitations... Deductibles... and Exclusions... they have something else unique to a select few of them.
| Some "discount" dental plans have such a thing known as HOUSEHOLD dental plan coverage. |
Let me explain this secret like this...
Not only do MOST tradition family-dental-insurance plans exclude common law relationships (adult partners)... some go so far as to exclude your own children and parents... even when they live with you.
And of course you can forget even thinking about joint or family coverage for a fiancee... a brother or sister... a niece or nephew... or any other relative who may live with you for whatever reason.
Not Unless You Get A "HOUSEHOLD" Family-Dental-Plan
A "household" family-dental-plan simply means...
| All family and/or household members living under the same roof...whether related or not can be covered together under the same policy, at no additional charge or premium. |
You could call discount "household" family-dental-plans... the all inclusive dental plan policies!
Enough of the Family-Dental-Plan Basics
Let's bring it all back home by letting me show you exactly where you can find simple, comprehensive, "household" family-dental-plan coverage.
Please allow me to recommend to you the industry leader in providing American families discount "household" family-dental-plan coverage.
And you'll find out shortly why they continue to maintain that position of...
Industry Leader For Over 15 Years Straight
| Here's the leader, the company with "The Family Plan" of family-dental-plans... as a matter of fact... they invented the comprehensive household/family plan concept. |
This company does a fine job of slaying the 3 headed dragon... THE DREADED BIG 3 of dental and health insurance plans.
Ok, Not Only Do You Know Now Where To Turn For...
...simple, straight, plain talk about discount dental plans.
You now know exactly where to turn for comprehensive dental plan coverage...
With that said...
Broker-Moe...
"...brings you insiders savings tips on Dental and Health Care!"
6 St. Joseph Terrace - Albany, NY 12210
(518) 255-5596
