Dental-Indemnity-Insurance...
Great For "Freedom- To-Choose", But
Are They Ever Tricky With Their
"Usual And Customary" Fee Schedule
Dental-indemnity-insurance plans (DIIPs)... are great when it comes to "freedom to choose".
"Freedom-to-choose" means... you have the option to choose your own primary dentist. If you're cautious and selective about which dentist you trust with your oral health, then...
"Freedom-To-Choose" Is An Important Option To Have
| With a dental indemnity plan you're not limited... mandated... or asked to choose from a pre-approved network of dentists under contract. Like you are with dental HMO and PPO managed care plans. |
On the other hand...
You will need to get pre-authorization for specialists care , or major dental work.
Aside from getting approval for major dental work.
Members Of Dental-Indemnity-Insurance Plans (DIIPs)
...give DIIPs high marks for their flexibility... or their "freedom-to-choose" option.
On the other hand... the thing members complain most about, or give DIIP's low marks for is their...
I've heard horror stories...
| ...stories about how dental-indemnity-insurance carriers have gotten away with paying very little amounts for dental work. Under the cover of their outdated "usual & customary" fee schedule. |
"Usual & Customary" fee schedules list the cost, or the approval amount (which is a discounted amount)... for most dental procedures.
It's an amount, or a dollar figure the indemnity insurance carrier agrees to pay... or reimburse the dentist for dental work performed.
"Usual And Customary" Reimbursement Amounts Are...
...always a lot less than what the dentists or specialists charge for their services.
| Pretty much any dentist you talk too will confirm cases of such small and unfair reimbursements amounts from DIIPs. |
Often, what the indemnity insurance plan pays towards a procedure, and what the dentist charges for that procedure is... vastly different.
| Of course, you as a patient of an indemnity plan are responsible for any and all differences. Differences between the dentist's actual charges... and what insurance company actually pays. |
Noted Dentist - Dr. Robert P. McBride, D.D.S., M. A.G.D. is on record stating... (see my Dental Insurance Plans page), "most of the reimbursement amounts on the 'usual & customary' fee schedule are..."
"Based On Dentists Cost Determined In The 1970's"
Yes, dental indemnity insurance "usual & customary" fee schedule, or reimbursement amounts... are based on what dentists charged, or billed for their services in the 1970's.
| Can you believe that... indemnity insurance carriers pay dentists according to a "usual & customary" fee schedule made in the 70's? |
The Mid 70's... That's Over 4O Yrs Ago
In over 40 years, the "usual & customary" reimbursement fee schedule has NOT taken inflation into account... and here we are in 2016 and beyond.
You longer need to accept that kind of abuse anymore.
That's exactly what I did.
| Given DIIPs "usual & customary" fee schedule... a fee schedule based on prices in the 1970's. You're better off with a discount plan - you get a bigger discount. |
I Use And Recommend A Discount Dental Plan
But, not just any discount dental plan.
The discount plan I recommend gives you deeper, or bigger discounts than any DIIP.
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That's right, all dental work is covered... except orthodontic treatment (dental braces), already in progress.
Any And ALL Dental Work Is Covered
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Do "check out" their corporate site... and tell'em Broker-Moe sent you.
Take care and...
Finally, If You Want...
More behind the scene info about any of the other 4 major types of dental-insurance-plans... simply click on link of interest below:
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Dental Insurance Guide
Take care, and...
16 Myrtle Ave - Albany, NY 12202
