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Medical Forum / General / Dentistry / March 2006dental insurance
Would someone please recommend a secondary dental insurance for me? I live in Broward county, way west. I have Guardian but would like a secondary one since I have major work to be done including remakes of my top full denture and a bridge. I also have a bad tooth, bottom all the way to the left and one other that I am aware of. My crohn's is causing a lot of problems for me, I have 5 or six teeth left now. Also, please give an opinion on how long I should wait after being of prednisone. I was on pred twice, which is unusual for me to have my docs put me on it. Once by my GI and the second time by my pulmonary. Thanks in advance, UM MOM Susan Joel do you have any connection down here? UM MOM Susan > Would someone please recommend a secondary dental insurance for me? I > live in Broward county, way west. I have Guardian but would like a [quoted text clipped - 7 lines] > put me on it. Once by my GI and the second time by my pulmonary. Thanks > in advance, UM MOM Susan Count on paying 50% of UCR with one good insurance or 12 good insurances. By the way, you cannot "buy" such a policy. They are employee-driven. Joel Sdores Wrote: > Would someone please recommend a secondary dental insurance for me? > live [quoted text clipped - 14 lines] > Thanks > in advance, UM MOM Susa -- Joel34 My husband has Guardian through his company. I am just looking for a secondary one to pick up more of the tab. UM MOM Susan > Count on paying 50% of UCR with one good insurance > or 12 good insurances. By the way, you cannot "buy" [quoted text clipped - 21 lines] >> Thanks >> in advance, UM MOM Susan Sdores Wrote: > Would someone please recommend a secondary dental insurance for me? I > live [quoted text clipped - 13 lines] > put me on it. Once by my GI and the second time by my pulmonary. Thanks > in advance, UM MOM Susan "Also, please give an opinion on how long I should wait after being of prednisone." Susan, Maybe the attending physician can help. Does the physician provide any input regarding oral health care and potential complications associated with prednisone? Just a thought. Sue (nondentist) PS I think Joel is saying that there is no very good insurance available for major dental restorative work, unless you get insurance paid through your employer. Most of the individaul plans will cover the lesser expensive procedures, but when it comes to major, you pay at least 50%. A patient then must weigh the cost benefits. Depending upon how much the ins plan costs, there may not be any. Many dentists offer pay plans (Care Credit, etc.). Try 'www.dentistry.com' (http://www.dentistry.com/) if you cannot find answers here. Good luck!  SignatureSue I have only been on pred this past few months and once a couple years ago, '03 because I refused to cancel my 7 day cruise. So there was no reason to be warne about this since I didn't tell about the dental problems. My bad! As for the insurance, read my response to Joel as I explain. I will get the dental work done but would love to knock the price down do to my major medical bills and RX's. I have crohn's and take a lot of RX's and some supplements. I have had three surgeries since '01 the last one in '05. So the bills add up. My hubby has problems too, he is almost 60. I will be 50 April 11th. Boy I can hear the jokes now. :-) UM MOM Susan > Maybe the attending physician can help. Does the physician provide any > input regarding oral health care and potential complications associated [quoted text clipped - 14 lines] > Try 'www.dentistry.com' (http://www.dentistry.com/) if you cannot find > answers here. Good luck! Hi sdores, If you want a really good secondary dentalplan, I can definately help you on that part. I rep for AmeriplanUsa we are the nations largest dental/healthcare provider, we have more than 13 years of healthcare experience. We offer unlimited visits and savings up to 80%. We have a very good rating with BBB. Plans starts at only $11.95/month you will be provided with all the benefits that is incl in the dentalpackage which is FREE Rx, vision and chiropractic. We have no deductables, no claims to file and no waitings. We have more than 400.000 providers listed. No pre-excisting conditions limitations. We also provide 100% Satisfactions Guarantee, so nothing to loose. Feel free to visit my website at www.everyonebenefits.com/40266026 or email me at mdameriplan@yahoo.com if you have any questions, I will be happy to help you. P-w-e-e-e-e-ease tell us more ..... how does it work? Joel (needs bridgework and stuff). Maja Wrote: > Hi sdores, If you want a really good secondary dentalplan, I can > definately help you on that part. I rep for AmeriplanUsa we are the [quoted text clipped - 11 lines] > me at mdameriplan@yahoo.com if you have any questions, I will be happy > to help you -- Joel34 Joel344, We work in conjunction with most insurance companies. We offer 100% satisfaction guarantee. We provide you with unlimited visits and savings between 20 - 80% everytime. Maja Wrote: > Joel344, > > We work in conjunction with most insurance companies. We offer 100% > satisfaction guarantee. We provide you with unlimited visits and > savings between 20 - 80% everytime. How do I save 80%? Supposting the crown lists for $3,000. Does that mean I can get the crown for a flat six hundred bucks? Joe -- Joel34 joel344, the procentage you save depends on the procedure you need to have done..I suggest you call member services to figure out exactly how much you save..the number is 1-800-647-842. Keep in mind you will receive savings each and every time depending on what procedure you need. My website for you to sign up on http://www.everyonebenefits.com/40266026 or you can call me at 952-649-8927 and I can help you sign up. Maja I called, it does not work as a supplementary insurance. In other wards I can use this but not the one my hubby's company has. This is a scam to me. UM MOM Susan > joel344, the procentage you save depends on the procedure you need to > have done..I suggest you call member services to figure out exactly how [quoted text clipped - 5 lines] > > Maja This can't be uses with another plan. I used to have this and I've been told that they would except the plan from my hubby's company or this one. Please correct me if I am wrong. UM MOM Susan > Hi sdores, If you want a really good secondary dentalplan, I can > definately help you on that part. I rep for AmeriplanUsa we are the [quoted text clipped - 9 lines] > me at mdameriplan@yahoo.com if you have any questions, I will be happy > to help you. Those plans are DISCOUNT plans not insurance. They are used to get a low fee for a procedure. You know ..... rib steak for $1.99 a pound. But at the butcher I can buy two pounds and run with it. At the dentist, you cannot buy two pounds because the dentist will insist you buy the salad greens, ($8.99 a pound) and Roquefort Dressing ($6.99 for a small bottle). So its generally bait-and-switch. And you might get a crappy dentist besides ....... Joel Sdores Wrote: > This can't be uses with another plan. I used to have this and I'v > been [quoted text clipped - 21 lines] > happy > > to help you. -- Joel34 We have actually helped thousands save $1000+ each and every year on their insurance needs. We have a retention rate of 90% on our memberside, so we must be doing something right. We are also a proud member and in a very good standing with BBB. And we do offer a 100% satisfaction guarantee, so if our members are not happy with the service we provide they can cancel at anytime. Thanks, Maja Agreed! Looking for supplementary insurance that I can use with my dental insurance that hubby has through his company. UM MOM Susan > Those plans are DISCOUNT plans not insurance. They are used > to get a low fee for a procedure. You know ..... rib steak for [quoted text clipped - 35 lines] >> happy >> > to help you. Sdores, like i also told Joel344 we work in conjunction with most insurance companies. I suggest you call our member service at 1800-647-8421 and doubble check on the questions you might have.. please let me know if you got any other questions, and do keep in mind that you will receive immediate coverage. We do offer unlimited visits, so it is savings into your pockets everytime for entire household. > Sdores, like i also told Joel344 we work in conjunction with most > insurance companies. I suggest you call our member service at > 1800-647-8421 and doubble check on the questions you might have.. > please let me know if you got any other questions, and do keep in mind > that you will receive immediate coverage. We do offer unlimited visits, > so it is savings into your pockets everytime for entire household. _____________________ If this is just a "discount dentistry" plan as Joel has written, and NOT real insurance, then the dental office has to make up its "discount" losses somehow. I don't think that the dentist's landlord or the utility company are going to lower their rates just because the dentists takes a loss on a "discount" plan. The dentist will still have to pay FULL expenses even if he has a lowered income! So how does the dentist make up the losses? Will the dental office be tempted to go into "bait-and-switch" mode? That is one way to make up for losses. Know any others? Best regards, - dentaldoc AmeriplanUsa sends 1.7 million members their way which means no advertising cost to the dentist, the chiropractics, the physicians, etc. They get paid UPFRONT there's no waiting on their money (like with insurance). They do not have emty chairs they get lots of referrels from their costumers, its that simple. AmeriplanUsa sends 1.7 million members their way which means no advertising cost to the dentist, the chiropractics, the physicians, etc. They get paid UPFRONT there's no waiting on their money (like with insurance). They do not have emty chairs they get lots of referrels from their costumers, its that simple. ___________________________________ And how many patients are so dentally educated to know whether they are getting "switched" to a more expensive procedure? The average patient will think they are getting a great deal, then go along with whatever plan the dental office thinks necessary to keep the income high. By switching the treatment rendered to the "discount" patients, the dental office can charge twice as much and the patient won't even know they've been taken for a ride. The average patient won't know how to compare apples with oranges. - dentaldoc > AmeriplanUsa sends 1.7 million members their way which means no > advertising cost to the dentist, the chiropractics, the physicians, [quoted text clipped - 15 lines] > > - dentaldoc We dont expect the costumers to be educated in the procedures they need to have done, that is why we provide a 1-800 for the members, they also have a close contact with their broker they signed up with. Any complaint on a provider will be reported to AmeriplanUsa. Any dentist/chiropractic etc office that chooses to sign up with Ameriplan to be a listed provider, they contract with Ameriplan and a rep with Ameriplan makes sure to not only educate the entire staff, but also provide the entire staffmembers with a membership for AmeriplanUsa. Thanks, Maja Bill's right! One needs to trust one's dentist! "Gee the filling is $36 I think I'l have do do the root canal and crown for $2,000." What's worse is th big boys have co-opted the same scheme by selling the discount card (Aetna, Cigna, etc) for $9/95 per month! Joel Bill Wrote: > AmeriplanUsa sends 1.7 million members their way which means no > advertising cost to the dentist, the chiropractics, the physicians, [quoted text clipped - 17 lines] > > - dentaldo -- Joel34 Joel344 Wrote: > Bill's right > > One needs to trust one's dentist! "Gee the filling is $36 I think I'l > have do do the root canal and crown for $2,000." > > Joe So would Bill's statement regarding "switching" translate int unnecessary procedures -- letsconnec 'Dental Fear Central - The Forum (http://www.dentalfearcentral.org/cgi-bin/yabb2/YaBB.pl Bill Wrote: > And how many patients are so dentally educated to know whether the > are getting "switched" to a more expensive procedure? Bill - could you give some concrete examples? I don't quite understand if you mean getting switched to an unnecessar procedure, or if you mean, for example, suggesting better material which would cost more? As in, could being "switched" be in th patient's interests? Cheers (and sorry if this is a dumb question) -- letsconnec 'Dental Fear Central - The Forum (http://www.dentalfearcentral.org/cgi-bin/yabb2/YaBB.pl 1. Insurance = indemnification. versus 2. Dental discount card = no indemnification, no insurance. INDEMNIFICATION If there are 1000 homeowners, on average two houses will catch fire Indemnification means we pool our money (premiums) to reimburse again catastrophic loss. NO INDEMNIFICATION My house needs painting. My discount painting card offers me $500 against the cost of the entire paint job. My yearly premium i $800. This is because who would buy it if they JUST FINISHED paintin their house? Joel DEF. An act of compensation for actual loss or damage or for troubl and annoyance Bill Wrote: > > Sdores, like i also told Joel344 we work in conjunction with most > > insurance companies. I suggest you call our member service at [quoted text clipped - 22 lines] > Best regards, > - dentaldo -- Joel34 Will do, thanks. UM MOM Susan > Sdores, like i also told Joel344 we work in conjunction with most > insurance companies. I suggest you call our member service at > 1800-647-8421 and doubble check on the questions you might have.. > please let me know if you got any other questions, and do keep in mind > that you will receive immediate coverage. We do offer unlimited visits, > so it is savings into your pockets everytime for entire household. |
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