What is the best dental insurance for individual?
I need individual dental insurance. I’m thinking tο bυу HMO, bесаυѕе mοѕt HMO programs dοеѕ nοt hаνе waiting time. Whісh insurrance company dο уου recommend?
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health-quotes.isgreat.org – my family have this health insurance. It is affordable and has good coverage for dental issues.
YOu are not the only person who have ever met this kind of problem,I met this type of problem before.I have good experience here
http://www.HealthInsuranceFree.info
to solve the problem.
Private dental insurance is expensive and usually has a 6 months exclusion for pre-existing conditions. What you need is what is known as a dental discount plan. Unless you have already started work with a particular dentist on a particular problem, your dental problem is covered, so you don’t have to worry about pre-existing conditions. These affordable dental plans ($80-$200/yearly premium) can save you huge sums of money at participating dentists. There are no claim forms because the dentists have agreed to give you major discounts. Go to http://www.lowpriceddentalplans.com to see which discount dental plans are available for your zip code.
I answered this question a little while ago for another person.
It is my belief that if your job does not offer dental insurance then you should just pay cash. There is no such thing as dental "insurance".
Check this link for an article that explains dental insurance:
http://www.dentist-gilbert.com/files/A_Word_to_the_Wise.doc.pdf
Basically with an HMO/DMO you don’t get to choose your dentist. You are assigned a dentist and the dentist gets paid a monthly fee to have you as a patient. You get drastically reduced fees for your dental service.
Sounds good right? Well not really.
The monthly fee the dentist gets is suppose to offset the low fees you pay. So, when you visit the dentist for any reason he start to lose money. The less you go in the more he makes!
Also, an empty chair due to last minuet cancellations and no-shows is a big cause of loss of production in a normal fee-for-service practice. Imagine what it does to a HMO/DMO office, to protect themselves they tend to overbook. If you book 2-3 patients for each chair then at least one is bound to show up. If you are number 2, you wait!
You do not usually get comprehensive care, just drill-fill-bill very basic dentistry. Your crowns are the cheapest that money can buy. Some places upsell you, basically you opt to get the better crown or filling but your insurance does not pay for much if any of it. So, why have the insurance if you are paying the same amount anyway?
Forget about amenities like headphones, TV in the operatory, Nitrous, lip balm, a warm Towel, bedside manners. There is no time!
So, there is a difference between Price and Cost. It may seem like the right price at the time, but it may cost you in other ways. You get what you pay for.
Also, have you been to the dentist every six months? Are you teeth in good shape (not just, absence of pain but documented presence of health)?
Why do you need insurance at all? Just pay for you cleaning in cash, it is most likely less than your premium. (why would an insurance company pay out more than you paid in?)
BTW, dental insurance is not insurance. Insurance provides indemnity and peace of mind in case of catastrophic loss. In order to do this insurance companies assess risk and you pay more if you are at greater risk. Have you ever had a dental exam prior to getting insurance to assess risk? NO!
Lets compare dental and car insurance.
Car: They don’t pay to clean your car, change the oil, or fix minor dings and mechanical problems. If you have an accident they step in after you pay the deductible (you pay first) and pay up to the cost of the entire car if it is considered unfixable!
Dental as car insurance: No risk assessment anyone can get it! They would clean you car and change the oil every six months, pay between 50-80% of any damage but only up to a maximum of $1000 in a year. If wreck and the car is a total loss and you haven’t reached you maximum they might help you buy some roller skates!
Dental insurance is a method of payment, a way to offset the cost of dental care. It is best if offered by your employer, privately I think you are better off paying cash. Employers can spread risk among all the employees and write off the insurance.