 |
 | Home | Contact Us | FAQ | Search & Site Map | Link to Us |
 | Sign In | Join | Other 45 Sites in Network |
Medical Forum / General / Dentistry / November 2005USA public perception "dental insurance"
http://www.deltadentalins.com/aarp/plan_info/faq.html People are led to think that "dental insurance" is an important feature of their healthcare "insurance". But there is great dispute about the terminology (dental insurance) and it's wisdom. I've provided a link to a very well known organization (AARP) of which many of us may be "members" to illustrate one example of how people get the idea of "dental insurance" being a good thing. Comments? Webby > http://www.deltadentalins.com/aarp/plan_info/faq.html > [quoted text clipped - 9 lines] > > Webby ________________ Did you notice the "TMJ dysfunction" lifetime maximum coverage under the plan? Three hundred bucks! LIFETIME maximum. That will cover a lot, won't it? - dentaldoc > > http://www.deltadentalins.com/aarp/plan_info/faq.html > > [quoted text clipped - 19 lines] > > - dentaldoc Yep, dentaldoc, it's quite a package they offer! Guess they're hoping the rumors are true that the condition affects mostly women aged 20-40 years of age and therefore who's going to notice or complain??? ... Webby >> http://ww.wwubba.com/ >> [quoted text clipped - 19 lines] > >- dentaldoc It will get you an NTI in some offices. -- W_B Take out the G'RBAGE wubbabubbazG@RBAGEyahoo.com > >> http://ww.wwubba.com/ > >> [quoted text clipped - 26 lines] > Take out the G'RBAGE > wubbabubbazG@RBAGEyahoo.com You have to have been paying for 12 months before any TMJ dysfunction benefits are available. Then they cover 50% up to the max of $300 for the lifetime of the policy holder/member. (As far as I understand.) So it will get you half of an NTI and patient pays half more or less and the next year you can do it again -- at that point *Lifetime Maximum* will pretty much be all over except for the shoutin'. So.... 1st year nothing, 2nd year part of an NTI and 3rd year part of another if necessary. If there are maintenance charges in between, "lifetime" will last a shorter period of time. Whew! Complicated business!!! ;-) Webby This AARP plan also protects the insurance company with the deductible, the co-payments (fifty percent for everything more complex than a simple filling) and a low annual maximum. The plan also gives a LIFETIME maximum for dental accidents of $1000. If you fall off a ladder and break two or three teeth, that will be burned up before you get through the first tooth's endodontics and crown. It's better than nothing, but you have to look at the amount of premium you have to pay to get the benefits. Obviously, for the insurance company to stay in business, it has to collect more in premium than it pays out in benefits. If you think it makes sense to pay more in premium than is obtained in benefits, then buy it. For some people who simply can't save, such a policy may be akin to forced savings, but they still have to pay the co-payments in cash, so the forced-savings angle is not that sound. The average individual would have to do the math according to his own particular circumstances. In many cases, the numbers won't pencil out. - dentaldoc [clip> > The plan also gives a LIFETIME maximum for dental accidents of $1000. > If you fall off a ladder and break two or three teeth, that will be > burned up before you get through the first tooth's endodontics and > crown. [clip] > - dentaldoc Hey dentaldoc, I guess T's patient who bit into the olive pit while on vacation in Cleveland had a dental accident ... taking a bite out of that lifetime maximum one olive pit at a time. Webby Actually all dental insurance is a misnomer. It will always be unless a condition known as "Exploding Tooth" appears. Joel >http://www.deltadentalins.com/aarp/plan_info/faq.html > [quoted text clipped - 9 lines] > >Webby Yeah, people talk about postponing a needed procedure until they get dental insurance; I've never seen a plan that looked all that good unless you happen to get lucky with your timing for a tooth problem and even then it's usually not all that great. But then the office is often burdened with wads of paperwork to file the claims and the charts turn into a book with all the papers inside. ares > Actually all dental insurance is a misnomer. It will always be unless > a condition known as "Exploding Tooth" appears. [quoted text clipped - 14 lines] > > > >Webby > Yeah, people talk about postponing a needed procedure until they get > dental [quoted text clipped - 7 lines] > papers inside. > ares What is a chart???? SM >But then the office is often burdened with >> wads [quoted text clipped - 6 lines] > >SM That thing put out by Billboard every week. -- W_B Take out the G'RBAGE wubbabubbazG@RBAGEyahoo.com > That thing put out by Billboard every week. American Bandstand with Dick Clark ? I really liked the beat, but found it hard to dance to.  Signature/ Amatus / > >>But then the office is often burdened with [quoted text clipped - 14 lines] > Take out the G'RBAGE > wubbabubbazG@RBAGEyahoo.com >> That thing put out by Billboard every week. > >American Bandstand with Dick Clark ? I really liked the beat, but found it >hard to dance to. More like Casey Casem's America Top 40 -- W_B Take out the G'RBAGE wubbabubbazG@RBAGEyahoo.com > More like Casey Casem's America Top 40 Any Mendelssohn or Sibelius on it ? Not even some Hoffmann ? Signature/ Amatus / > >>> That thing put out by Billboard every week. [quoted text clipped - 9 lines] > Take out the G'RBAGE > wubbabubbazG@RBAGEyahoo.com >> More like Casey Casem's America Top 40 > >Any Mendelssohn or Sibelius on it ? Not even some Hoffmann ? Think Bubble Gum, not Filet Mignon. -- W_B Take out the G'RBAGE wubbabubbazG@RBAGEyahoo.com > Think Bubble Gum, not Filet Mignon. Oh :-( Signature/ Amatus / > >>> More like Casey Casem's America Top 40 [quoted text clipped - 7 lines] > Take out the G'RBAGE > wubbabubbazG@RBAGEyahoo.com |
Reply to this Message |
 Sign In
 Join
 My Latest Posts My Monitored Threads My Blog My Photo Gallery My Profile My Homepage Start New Thread Enable EMail Alerts Rate this Thread
|
©2008 Advenet LLC Privacy Policy - Terms of Use
This website includes both content owned or controlled by Advenet as well as content owned or controlled by third parties.