| 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. |
| The term Dental insurance is a misnomer. It violates many principles of
insurance as a high frequency, low cost event (low cost because most
dental policies are maxed out at roughly $1000 per year). The only way
insurance companies can figure out how to provide dental insurance is by
utilizing an insurance principle called the law of large numbers. They
have actuarially figured out that 50% of the people with dental insurance
typically do not use it in any given year. So they can sign up a large
group and price it reasonably. |
| I found some great
alternatives to all this
stuff for people that are
really on a budget. I am
certainly not wealthy and
most likely the good
folks in this group are
not either. I would
share a great alternative
to the insurance problem,
but I cant post it or
that would be spam. So I
am offering some free
advice on how to decide
what is most economical
alternative to getting
your family the dental
care that is best for
them; dental insurance or
an alternative. I myself
dont use dental
insurance of any kind. I
use a great alternative.
I would be more than
happy to help you make an
educated comparison. |
| 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. |
