Dental Insurance
Plans
Understanding Dental Insurance
Although we offers extensive benefits beyond Dental care, we will illustrate the
insurance trap using Dental insurance and why our solution
for Dental is a very
easy decision.
Once you leave the normal insurance mindset with hospitals and doctors, you have a severe drop off in
quality of coverage and understanding of benefits. Whether it be
dental, vision, chiropractic, hearing, or any other alternative type of care, the insurance world changes
substantially, covering far less while having many more exclusions.
Lets look at a typical dental insurance policy and why they do not make sense. Remember, the illustration we are going
to use below is one of the BEST dental plans, there are many that are far worse but many consumers are not aware
of what they really are paying for.
Average Premium for dental insurance $400-$500 per year
$35.00-$50.00 per mo. Here is what you get
1. Usually a 90-day wait for minor care such as fillings
2. Usually a 12-month wait, maybe 24-month wait for major care such as root canals or crowns.
3. After waiting periods are met often reduced amounts are paid for an additional waiting period
4. Usually 50% of fees are covered by insurance, sometimes
a little more.
5. $1000.00-$1500.00 per year ceilings. Any time fees are over this amount nothing is covered.
6. Numerous other exclusions and procedures that are not covered at all
Summary
Simple math will tell you that this type of insurance does not make sense. The premiums are much too high for the
amounts covered. In addition, we access the same type of fee schedule for the consumer without classifying
coverage as insurance for far less. The reason there are so many exclusions and waiting periods is due to the fear of
people buying the insurance and then running to the dentist to take care of all their past problems.
Please take the time to review the information below. We not only
avoid
all of the dental insurance traps for $19.95 per month, but will also include vision,
pharmacy and prescriptions, hearing, alternative care such as acupuncture, yoga, etc with a 24 hour 800 number access
to RN nurses for questions and help with general health issues.
If you are a health insurance professional, find out how to become appointed with
us. We not only have
dental and much more but are the only company in the U.S. offering
special CPT-4 contracted rates for doctors and hospitals.
Through contracts with two of the country's premier dental networks
we offer you and your family savings
of up to 80% on routine dental care. Throughout most of the
country you can get a comprehensive oral exam for as little as $10! You'll also save 30% to 50% on most major dental
work such as crowns, root canals, periodontal work, etc.
Many members find that their dental work often costs less under
our program than what they have to pay
even with a dental insurance policy! The program even offers substantial savings on orthodontia work so you won't
have to keep putting off the braces for the kids. Best of all, there are
no restrictions or limitations - you can use the program as often as you need without worrying about
annual maximums, waiting periods or preexisting conditions.
With over 20,000 providers nationwide, including all services from simple cleanings to root canals and
everything in between.
Normal Procedures:
Dental Exams
X-Rays
Dentures
Fillings
Specialty Services:
Orthodontics
Periodontics Root Canals
Oral Surgery
Bridgework, Crowns, and Caps
AND MANY MORE!!
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Prices may vary from one geographical location to another, but on an average the following examples are what you can
expect.
*Comprehensive Oral Exam: $ 10.00
*X-rays-Bitewing-Single Film: $ 7.00
*Teeth Cleaning: $ 22.00
*Crown Porcelain Fused to High Noble Metal: $375.00
*Root Canal-Bicuspid (Excluding Final Restoration):$243.00
*Complete Denture Maxillary: $398.00
*Comprehensive Orthodontic Treatment of the Adolescent
Dentition (In most states, price may vary): $1990.00
Savings Equal to the best of managed care without HMO Problems
You can find the dental pricing schedules for your state in the
email we send you when you request more information (below).
In Feb of 2000, I went to the Dentist to get some periodontal scaling done my dental insurance only includes
2 free cleanings per year everything else is on a fee schedule. Without any insurance this would have cost $120
per quadrant with my dental insurance it cost $53 per quadrant. After arriving home I checked
your fee
schedule and found the same procedure would have cost me $40 per quadrant. I was ecstatic to see that
your savings
was greater than my dental insurance on my job. This program is just what we need for the new millennium!
Donald Brown
Bolingbrook, IL
I went to the Dentist and was very surprised the bill totaled $770. With
your program, my responsibility was
only $377. A savings of $393. I encourage everyone to take advantage of this excellent program.
Greg Worthington
Hamilton, GA
You can request more information by clicking on the More Info
button below and filling out our brief request form. This will
enable us to match you up with the right plan (without getting too
personal) and in most cases you will receive our information in a
matter of minutes. The request form is fast, free, easy, and there
is never any obligation to you.
For a listing of Dentists in your area please respond to the
email we send you with a request. We will send you a complete list of dentists in your area. You can
also locate many of these dentists at the website referred to in
the email.
Our
Goal is to make Quality Healthcare Affordable for everyone!
