 |
1/6/2009
Tuesday morning
This topic is closed off and you will be taken directly to the website.
Topics taken from open source list. I hope you find this useful.
This site is for our clients only as an information resource.
| Now, let me explain what dental insurance actually is. It is nothing more
than a way for your employer to provide you with a tax free benefit. It is
typically capped at $1-2k per year so they can manage it. What happens is
for every person on your plan, your employer pays, lets say $20-30 per
month. During any given year, statistically more than half the people
covered by dental insurance wont even go to see the dentist! Of the other
half, more than half of them wont need anything more than 2 cleanings a
year. The last 25% run up the bill. |
| In dentistry, thats a little different. Dental insurance is
in reality, a discount dental plan. Your premium allows you
to control dental costs through centralized insurance company
administration. Many plans pay 100% for routine care and then
require you to pay 50% against the catastrophic part of the
contract. So the function of dental insurance (and managed
care) is a concerted effort to keep dental fees in line for
you, the patient. |
| XMJMac wrote in message
news:20000316235218.17306.00004666@ng-xe1.aol.com...
This post is directed towards any health professional and to any
individual who works for an insurance company. It is in regards to dental
coverage that is minimal in comparison to ones overall health care. Many
insurance companies put a cap on their coverage per year leaving very
costly
procedures to be paid out of the pocket by hard working individuals.
Meanwhile
health insurance companies will pay totally for fertility procedures,
which to
me are basically a crapshoot whether or not they will work. I have looked
into
each individual fertility procedure and they can cost upwards of
$40,000.00,
and there is no guarantee that it will work. And many insurance companies
place on the average of $1,000.00 to $2,000.00 per year for good dental
care
for procedures that are guaranteed to enhance ones dental hygiene. There
is
something totally out of whack when those in power in the heal. |
| The market place can still control costs quite effectively.
Today, your dental insurance premiums are still deducted from
your salary (either directly or indirectly) yet you
statistically receive less benefits from that dental
insurance. This is is nature of managed care (HMO),
preferred provider organizations (PPO) and other discount
dental plans. |
| Dental insurance doesnt really fit this description. For the most part,
dentistry is a high frequency low cost (that is, about $100 a trip)
occurrence. Most of the expensive stuff in dentistry is actually considered
by the insurance companies to be elective. If you need a root canal and
crown (lets say, at $1000), you can say no Doc, I dont have the money,
please pull it out (at under $100). On the other hand, most medical
insurance is not elective. If you need dialysis, at tens of thousands of
dollars, you dont go in and say; no Doc, I cant afford it right now, I
need to buy new shoes for little Johnny, if I live to see next year, maybe
Ill have it done. |
|
