Home

Why is the co-pay for dental insurance more expensive than health insurance?

Aug 22, 2007 by 2fine4u | Posted in Insurance

Q: I compared the co pays on several reliable dental insurance companies and it is very expensive. Many things are not covered, even with the best dental insurance. Health insurance is usually a 10 dollar co pay for predominant physicians and a 35-50 dollar co pay for specialty physicians. Is there any reason why dental insurance co pay is as expensive as it is?

A: In truth, the only time the copays are so low for health insurance is when you're dealing with those high-dollar plans provided by a lot of employers. (At least those are the types of plans that were provided be employers in the since; that's changing significantly because of the cost involved.) Trust me, these are FAR from the "pattern."

As for dental insurance, the fact is that there are nearly as many organized networks for dental providers as there are for medical providers (where relationship to as many networks as possible is the best way to ensure you keep new clients coming in to your practice.) Dental insurance, by correspondence to what you pay for medical coverage (particularly of the variety you mention) is also CHEAP. And I don't know very many people who would pay triple the guerdon for dental insurance so they could get the $10 copay. In the end, it's really that simple.

What's the difference between health/dental insurance and a health/dental plan?

Jul 14, 2008 by KatieKat | Posted in Other - General Health Care

Q: I don't get insurance through vocation 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!

A: With a dental propose 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 tolerable teeth and just want the basics you probably don't need any plan. A perennially cleaning, exam and even an occasional filling will cost you less without insurance.

2. Visit a local dental disciples. 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: http://www.yourhealthplanadvisor.com/Den talschools.html

3. Insurance - Depending upon the protocol: 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 stretch up to 18 months for major work and then you're paying 50% of the charges. Sample - average cost for a root canal in my area is $919. With insurance you pay $460 after paying 18 months of regard (around $800 or $900). Advantage - you can use any dentist with most plans.

4. Discount plans - Payment - $5-$12 per month. No deductible, no annual maximum and no waiting periods. Also, scarcely 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 spondulicks. Example - average cost for a root canal in my area is $919. With minimize plans you pay around $827. Be very wary of these plans because most are scams. The people that sell these plans have insignificant 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 access when you have problems. Some states are starting to ban these plans from being sold. Here is an informative link http://www.insurancejournal.com/intelligence/wes t/2006/11/22/74554.htm concerning these plans.

5. Fee for Service discount plans - Cost $7-$15 per month. No deductible, no annual limit and no waiting periods. Many dentist will accept the plan (check providers first before signing up with any design). 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 close 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 usage plan. I got mine here http://www.dpbrokers.com/default.aspx?lo cationid=20349 specifically the Aetna Dental Access pattern but which one you get depends upon your area and comparing the fee schedule to find the best for what you need covered.

what is a really good health insurance and dental insurance?

Feb 07, 2007 by spanky | Posted in Other - General Health Care

Q: I have been shopping for insurance for a few weeks now and would like some alternate opinions. What health and dental insuranc edo you have and do you like it?

A: It all depends on your age and if a partition of your premium is being covered by your employer. If you have to pay it all, then Kaiser is the cheapest, but is only available in some states. Then the take one's repose are pretty much the same, Blue Cross, Blue Shield, Aetna, Western Health, Pacific Circumspection, etc...

The other difference is if you want a PPO or an HMO. A PPO tends to be more expensive and you would pay a percentage of each visit this is called co-insurance (as usual 20%) along with an annual deductible. However, with the PPO you don't have to go to your "home" doctor to get a referral for a adept like on OBGYN.

The HMO is generally cheaper, no deductible and you make co-payments, not co-insurance.

I have and EPO through Aetna sorceress is an HMO and I like it alot.

Hope this helps!

Cigna Health Denies My 17yr Old Sister's Insurance Claim

***RIP Sis*** We are holding a The fad Show in Nataline's Legacy on July 12th 2008 @ Mercedez-Benz of Calabasas California. More advice ...

Health bills would mandate children's dental coverage | McClatchy

By Jessica Marcy | Kaiser Health Rumour

WASHINGTON -- Pediatric dental mindfulness, which has dream of been a trouble of children's health advocates, would get a biggest lift from each of the in the balance chauvinistic health gain on proposals, as all call for expanding coverage.

"The pretty lining of all this vehement altercation, for children at least, is that in almost every parley, in every adaptation of a bill, there's some victuals for children's enunciated health," said Amir Moursi, moderator of the unit of pediatric dentistry at New York University's College of Dentistry.

Yet in a surprising meander, some insurance commerce experts gall that the legislation may sire unintended consequences and disruptions for adult and dearest dental coverage.

While he calls the children's emoluments "an unthinkable label of enlargement," Jeff Album, the failing president for social and regime affairs for Delta Dental insurance train, fears that adults and employers may off their dental coverage because of the legislation's treatment of dental plans and taxation of insurance benefits.

Many dental experts say that the proposed mandate for children's coverage addresses a serious necessary, one that gained nationwide publicity in 2007 when Deamonte Driver, a 12-year-old Maryland boy who lacked access to dental keeping, died after bacteria from an abscessed tooth spread to his understanding. Currently, about twice as many children are without dental coverage as those without medical insurance.

Furthermore, pediatric dental issues part of children's most trite unmet health dolour stress, according to the Surgeon Non-exclusive's first description on articulated health in 2000. It found that tooth decay is the put most plebeian long-lived boyhood affliction, five times more plain than asthma and seven times more conventional than hay fever.

The story described dental ailment as a "mute pandemic" that created informative sexually transmitted, economic and health burdens disproportionately affecting low-receipts, minority and exurban populations.

Read more...