Comments on: Dental Plans Are NOT Dental Insurance

By: Eli

Eli — Mon, 21 Jun 2010 11:56:20 +0000

Actually, dental insurance is NOT dental insurance. Had or know someone who had a car accident lately, perhaps a house that burned down, a major medical illness? With insurance, I would imagine that thousands if not hundreds of thousands were paid in benefits. The insurance model, as most consumers see it, covers major adverse risk not minor ones. Most insurance policies have deductibles so that we do not report minor claims. Dental ‘insurance’ works exactly the opposite. Minor routine visits are paid at 100%. They pay a lower percentage as things get worse (filings at 80% crowns at 50% implants (still in many policies) at 0%). And, for any work above $1500, there is no coverage at all.
In my opinion, selling these policies as dental ‘insurance’ is, at best, misleading if not borderline fraudulent.

By: Periodantal

Periodantal — Mon, 24 May 2010 16:30:31 +0000

I’ve been looking at some college websites and dentistry isn’t just there. I don’t know what it would be under either? Maybe some health science for health class?

By: Low Cost Dental Care

Low Cost Dental Care — Mon, 01 Mar 2010 17:08:58 +0000

It is true that discount dental plans differ from that of insurance but they still prove to be a viable alternative for obtaining low cost dental care during these tough economical times. Many are forced to forfeit their dental care due to costly insurance premiums and end up compromising the well-being of their household. At least, with a discount dental plan, everyone has the ability to receive instant on-the-spot dental savings. It is programs such as these that prove to be a huge asset to those of us who are struggling just to meet our needs.

By: Debbi Carroll

Debbi Carroll — Thu, 11 Feb 2010 00:41:53 +0000

There are many excellent discount dental plans. AmeriPlan USA is one such plan. They have a A rating with the Better Business Bureau in Dallas, Tx. are members of the National Association of Dental Plans, and the Consumer Health Alliance. I think there is a need in the marketplace for Consumer Driven Healthcare and the discount programs can offer the client an inexpensive alternative to insurance and in many cases save the client money. What AmeriPlan has done is contract with individual dentists to follow a fee schedule and discount services. A root canal or crown with a discount plan may offer the client greater savings with no limits on services and no waiting periods. So as long as they are not misrepresenting themselves, discount dental plans do serve a need. Please feel free to contact me if you would like to better understand our programs. We refer alot of clients to dentists that they might not have had and in todays ecomony that is a good thing. My phone number is on my website.