What’s the difference between health/dental insurance and a health/dental plan?
KatieKat asked:
I don’t get insurance through work but I saw something online for health and dental plans. They seem a lot cheaper than getting insurance on my own.
Has anyone tried this? Is there a catch I’m not seeing?
Thanks!
Oftentimes many people will get ripped off online simply because they simply don’t plan well enough, do enough research or ask questions. If you are considering signing up with an online dental company, the following tips will help you select the best coverage with the most qualified company.
1. Determine what your needs are: individual and family coverage, business and/or group coverage? You will want to know this before you visit any website, because you may have a set budget and will not want to go over it.
2. Do you have the freedom to choose from many discount dental plans? Some sites are only advertising one company and you may want to compare rates with other companies.
3. Are customer care representatives available through an online contact form… Continue reading
Regular dental check up is the foremost advice that any dental health care professional offers. But only few of us act on that expert advice. Simply because most of us are lazy. Besides, we do not want to spend money on something for which there is apparently no urgent need. Laziness is the state of mind and has to be taken care of by us on our own, but so far as expenses are concerned, dental insurance plans take much of the load off one’s pocket. However, while going for a dental insurance plan, there are a few things you must ensure.
1.Make sure that the dental insurance plan allows you to choose your own dentist. If the dentist you want for yourself and your family is not among… Continue reading
It is true that dental problems are the most common problems that mankind faces. And in case you have such problems, you need to pay immediate attention to it, because it affects your nutrition and thus your overall health, apart from the huge discomfort it causes. Neglecting dental care can result in serious problems, leading to escalation of your medical expenses.
Dental insurance, in fact, helps you save a lot of money. This is because you can avail of regular check-ups with the assurance that the doctor’s fees would be covered by the policy. Insurance is helpful in other ways as well, like to get you quick medical attention, thus saving your precious time. You can go for a family dental insurance so that you, together with your family… Continue reading
Tagged with: Dental Health • Health Dental • Insurance Health
Filed under: Other - General Health Care
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With a dental plan the company sponsoring the plan doesn’t pay out anything. With dental insurance the insurance company pays the dentist.
You have five options with dental.
1. Go without insurance. If you have good teeth and just want the basics you probably don’t need any plan. A yearly cleaning, exam and even an occasional filling will cost you less without insurance.
2. Visit a local dental school. You can get many procedures done for a reduced price if you’re willing to let them practice on you. You can find one here:
3. Insurance – Depending upon the policy: cost $30-$60 per month. You pay a $50 deductible first, they have an annual maximum that they’ll pay per year of $750 – $1500, they have a waiting period up to 18 months for major work and then you’re paying 50% of the charges. Example – average cost for a root canal in my area is $919. With insurance you pay $460 after paying 18 months of premium (around $800 or $900). Advantage – you can use any dentist with most plans.
4. Discount plans – Cost – $5-$12 per month. No deductible, no annual maximum and no waiting periods. Also, hardly any dentists will accept the plan and when they do you MIGHT get a 10% discount, which is about the same discount you can get by paying cash. Example – average cost for a root canal in my area is $919. With discount plans you pay around $827. Be very wary of these plans because most are scams. The people that sell these plans have little or no knowledge about health & dental insurance and do not need a license to sell them. The plans are not regulated by the state so you have no recourse when you have problems. Some states are starting to ban these plans from being sold. Here is an informative link concerning these plans.
5. Fee for Service discount plans – Cost $7-$15 per month. No deductible, no annual maximum and no waiting periods. Many dentist will accept the plan (check providers first before signing up with any plan). When you use the plan there is a set fee that the dentist will charge you. Example – average cost for a root canal in my area is $919. With fee for service plans you pay as little as $404.
I’m an insurance agent and my personal plan is the fee for service plan. I got mine here specifically the Aetna Dental Access plan but which one you get depends upon your area and comparing the fee schedule to find the best for what you need covered.
Hi
Simple answer. Dental plan that you are referring to is not an insurance. It is normally called discount dental plan.This is how it works.
1) There is no monthly premium. You buy the plan for a certain amount of money and the plan promised to cover you for certain types of dental services.
2) When you go to the dentist the plan will pay a certain percentage of the bill and you pay the rest. In other words you pay at a discount price.
3) There is no deductible.
4) Less hassle compared to insurance.