Dental Insurance Plan?

vrblackwell · #1 05-26-2008, 10:54 PM

Anyone know of a good Dental Insurance Plan?

Rico · #2 05-26-2008, 10:57 PM

www.encoredentalplan.com

If you have any questions, pm me.

Rico · #3 05-27-2008, 09:15 AM

Quote:

Originally Posted by Rico

www.encoredentalplan.com

If you have any questions, pm me.

bump

CC1 · #4 05-26-2008, 11:14 PM

Quote:

Originally Posted by vrblackwell

Anyone know of a good Dental Insurance Plan?

I have never seen one. All of the ones I have had over the years all had the same issues;

While they claim to cover 80% of neccessary dental work and 50% of cosmetic up to usually $1500 per year my experience has been that they only cover those percentages of what they say are "customary" charges for services and no dentists in either TX or TN have ever charged that little for their services.

The end result is that the 80% coverage usually works out to about 40% and the 50% about 25%.

They usually do cover your teeth cleaning which is probably worth about fifty bucks but the $35 bucks a month I am paying for the insuarnce works out to $420 per year I probably should just save in a savings account toward dental work when it comes up.

Pragmatist · #5 05-27-2008, 08:05 AM

Quote:

Originally Posted by CC1

I have never seen one. All of the ones I have had over the years all had the same issues;

While they claim to cover 80% of neccessary dental work and 50% of cosmetic up to usually $1500 per year my experience has been that they only cover those percentages of what they say are "customary" charges for services and no dentists in either TX or TN have ever charged that little for their services.

The end result is that the 80% coverage usually works out to about 40% and the 50% about 25%.

They usually do cover your teeth cleaning which is probably worth about fifty bucks but the $35 bucks a month I am paying for the insuarnce works out to $420 per year I probably should just save in a savings account toward dental work when it comes up.

I would generally agree that you're better off putting the money in savings, and then finding a cheaper dentist than the ones CC1 does.

The usual and customary is based on rates in the area, so CC1 must find the higher priced ones.

LaGirl · #6 05-27-2008, 09:13 AM

good luck finding one! we have searched and searched. we have blue cross blue shield fed. gov. they are real good but SORRY on dental! we were told to just put money in an account every month. we started doing that two years ago. our 5 year old just had $2000 worth of work done!!!

TRFrance · #7 05-27-2008, 10:28 AM

take a look at ameriplan
www.ameriplan.com

Rico · #8 05-27-2008, 10:31 AM

Quote:

Originally Posted by TRFrance

take a look at ameriplan
www.ameriplan.com

Ameriplan is not insurance. It is a discount plan. Big difference.

TRFrance · #9 05-27-2008, 10:33 AM

Quote:

Originally Posted by Rico

Ameriplan is not insurance. It is a discount plan. Big difference.

Yes, i know. I've used them before.
I still felt they were worth recommending.

If he goes to the site he will see what they're about, and be able to make an informed decision.

Rico · #10 05-27-2008, 10:38 AM

Quote:

Originally Posted by TRFrance

Yes, i know. I've used them before.
I still felt they were worth recommending.

If he goes to the site he will see what they're about, and be able to make an informed decision.

True. Another discount plan he can take a look at (if that's the direction he wants to go in) is http://www.planplushealthcare.com/?SRC=PPSAV