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Posted on 7/9/14 at 11:49 am to HonoraryCoonass
quote:I've never carried any.
I would seriously consider not getting it at all.
Are cleanings really necessary if you brush and floss? Don't they even put flouride in water now?
Posted on 7/9/14 at 11:58 am to gsvar2004
I work for a dental insurance company so I can give you a bit of insight.
If you are looking for an individual policy, any PPO plan will have a waiting period for at least Major services like crowns.
If there's a DHMO plan in your area there will be no waiting period but you will have to use their network of dentists. Some folks don't want to do that.
An individual policy will be expensive for a PPO.
Do not buy an individual policy if you aren't going to use the network. Part of the value of having a dental policy is to take advantage of the negotiated discounts the carrier provides to the members.
We are getting out of the individual market because people only want to buy that product when they need something. It's like buying auto insurance after an accident.
I hope that helps some.
If you are looking for an individual policy, any PPO plan will have a waiting period for at least Major services like crowns.
If there's a DHMO plan in your area there will be no waiting period but you will have to use their network of dentists. Some folks don't want to do that.
An individual policy will be expensive for a PPO.
Do not buy an individual policy if you aren't going to use the network. Part of the value of having a dental policy is to take advantage of the negotiated discounts the carrier provides to the members.
We are getting out of the individual market because people only want to buy that product when they need something. It's like buying auto insurance after an accident.
I hope that helps some.
Posted on 7/9/14 at 11:58 am to Assassin
quote:
quote:
I would seriously consider not getting it at all.
I've never carried any.
Are cleanings really necessary if you brush and floss? Don't they even put flouride in water now?
I was suggesting that dental insurance was not necessarily necessary. Regular dental visits most certainly are. Pay for semi-annual visits OOP.
A worst-case dental procedure is <$2K, and not very likely.
Posted on 7/9/14 at 12:19 pm to HonoraryCoonass
quote:
A worst-case dental procedure is <$2K
Not close to worst-case but since most policies have annual maximum of between $1000 and $2000 your point is correct.
I tell friends that are staring business that ask to buy to self-fund in the beginning unless they are going to use the network for the savings.
quote:
Are cleanings really necessary if you brush and floss?
Yes and no. If you have good genetics you may not need to go as much as your dentist recommends. Some folks are just more likely to get gum disease than other and the same is true for caries.
If you have really good hygiene (not many do) and are in good health you could be OK with one cleaning per year.
Fun fact: about 50% of the folks that buy dental insurance never see a dentist in that year. They are helping keep your premiums down so everyone should thank a "yuck mouth".
This post was edited on 7/9/14 at 12:24 pm
Posted on 7/9/14 at 12:26 pm to HonoraryCoonass
quote:
A worst-case dental procedure is <$2K, and not very likely.
Unfortunately, this hasn't been true for a long time. Anything related to removing and replacing a tooth, 3 unit bridge or implant, will be well above your quoted cost. These treatment routinely run 3-4K.
Still, insurance would only cover 1-1.2K of this cost if any.
Posted on 7/9/14 at 12:26 pm to ruzil
quote:
Wow, I just checked my fees for kids ($120 for xrays, exam, prophy and exam) and realize I am due for a fee adjustment. Did that $275 include a lubricant?
$275 is what we used to pay our out-of-network dentist for xrays, exam and prophy. I had to tell him "No mas" and he's a friend of mine.
Posted on 7/9/14 at 12:28 pm to lsugrldej8
You overpaid by a ton if you live near a major city. It doesn'tatter that you wen to a ped dentist. You can get cleanings done for $75 max from dental hygienist students. Sometimes for as little as $25. There is no difference in quality.
Posted on 7/9/14 at 12:28 pm to roadGator
quote:
Fun fact: about 50% of the folks that buy dental insurance never see a dentist in that year. They are helping keep the insurance companies profitable and the insurance companies should thank a "yuck mouth".
Fixt it for you.
Posted on 7/9/14 at 12:31 pm to iwasthere
quote:
There is no difference in quality.
But this low cost quality certainly taxes your most valuable asset, time.
It's not exactly barber college.
Posted on 7/9/14 at 1:33 pm to ruzil
quote:
They are helping keep the insurance companies profitable
We would celebrate company wide with similar profit margins that many dentists have. I can't get 3% out of some groups.
Posted on 7/9/14 at 1:46 pm to ruzil
You make a set appt just like your regular dentist. I have friends that went through the schools. The process and time for your appt is the same as going to your dentist.
This post was edited on 7/9/14 at 1:48 pm
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