Visit FamilyCorner.com for tons of seasonal ideas!
quick link - go to our home page quick link - kid's crafts, family fun, printables, etc quick link - sign up for our free newsletter quick link - holiday crafts, recipes and ideas quick link - gardening, organizing, saving money, decorating and more quick link - our FunBook is filled with lots of quick ideas, tips and crafts quick link - join our bustling community of friendly members


Go Back   FamilyCorner.com Forums > Healthy Living > Your Health > Children's Health > Dental Health for Kids

Reply
 
Thread Tools Rate Thread
  #1 (permalink)  
Old 03-05-2004, 07:47 PM
Lifestar's Avatar
Nine Year Member
FamilyCorner Junkie
 
Join Date: Apr 2002
Location: I'm in a New York State of Mind
Posts: 1,794
Dental Insurance VS: Dental Discount Programs

Right now I have BCBS of Florida, dont want to take the chance of them droping because the income change.

Now, if anybody here could gave me some advice about the difference between dental insurance and dental discount program?

Which is better? What kind of Dental insurance do you have?


__________________
Luzviminda G. Rivetz
Reply With Quote
  #2 (permalink)  
Old 03-05-2004, 07:49 PM
Lifestar's Avatar
Nine Year Member
FamilyCorner Junkie
 
Join Date: Apr 2002
Location: I'm in a New York State of Mind
Posts: 1,794
The National Association of Dental Practitioners Defines different Dental insurance coverages as follows:

TYPES OF DENTAL INSURANCE PLANS PLANS: To minimize frustrations with dental benefits, consumers should educate themselves on their choices in dental
benefits—especially when an employer offers a choice in the type of plan. The most common types of dental benefit offerings include:

HMO

Dental HMOs provide services
through a network of dentists who
are paid per enrollee on a monthly
basis.
• Lowest premium for an insured
benefit plan and low.
• Predictable out-of-pocket
expenses.
There is also usually no annual
maximum benefit.
• Smallest network of dentists
(NOTE: Dentists must have a large
enough population of enrollees to
provide the pool of funds needed to
support services on a per capita basis.)
• No coverage if a dentist is not in
the network.

Dental PPO

Dental PPOs provide services
through a network of dentists on a
discounted fee-for-service basis.
• Larger network of dentists
• Scheduled out-of-pocket costs
although at a higher rate than
dental HMOs.
• Some level of payment when a
dentist that is not in the network
is used.
• Medium high premium and copayment
levels.

Dental Indemnity

Dental indemnity plans reimburse for
services from any dentist on a feefor-
service basis.
• No network of dentists allows
consumer to use any licenses
dentist.
• Highest premium and copayment
levels.

Dental Referral or Access Plan

Dental referral or access plans
provide access to a network of
providers at discounted rates.
• Leading benefit purchased by
individuals.
• Provides some discount from
dentist’s regular charges.
• Services must be obtained in
network.
• Services are paid for by the
consumer at the discounted rate.
• This is not insurance but an
access benefit


As far as Dental Discount Programs they offer this comparrison and advise on their website www.nadp.com :


Dental Insurance vs. Discount Plans

Some consumers are confused by the differences between dental insurance and dental "discount" plans. Dental insurance is true insurance. You pay regular premiums for your coverage and your plan has annual spending caps. It generally covers 100 percent of the cost of preventive services after you meet your deductible.

Dental discount plans are not insurance and they work differently. These are membership-based programs. In exchange for a fee, members get discounts on a variety of dental services, such as fillings, braces, exams, and routine cleanings. Members typically receive about 30 percent off standard out-of-pocket prices. The are akin to "diner's clubs," in which you buy a book of coupons and get a percentage off of your meals at participating restaurants.

With a dental discount plan, you must go to a dentist who has agreed to participate in the plan and offer services at a discounted price — say $650 for a crown instead of the standard rate of $750.

Some typical features of these plans:

An initial enrollment fee.
A monthly fee to the dental-discount company.
Discounts on cosmetic procedures that are excluded from most dental insurance plans.

Be aware that dental discounts plans are not regulated by state insurance departments. That doesn't mean these plans aren't legitimate, but you should take precautions when buying a dental discount plan, especially over the Internet, where you have to provide a variety of confidential information.

According to the NADP, these are some questions you should always ask a dental insurance or discount plan:

Are you licensed to offer this plan in this state? True dental insurers must be licensed in your state to sell dental insurance.

Are you registered with the Secretary of State? All legitimate companies operating in a state should have at least filed documents with the Secretary of State in the state where they are operating.

Are you registered with the Better Business Bureau? The BBB maintains a large database of companies, where they operate, contact information, and complaint data.

Where are you located and what is your address of operations? A bogus dental plan is likely to be hesitant to give you this information or will give you an address that is nothing more than a local post office box.

Can you mail me specifics on the plan before I sign up with the plan? Fraudulent plans are more likely to collect your "membership fee" before they will send you any information. All legitimate plans will have marketing materials that they will be more than happy to send you.

Do you have a Web site with more information? Most legitimate dental plan companies have extensive Web sites that outline their plan benefits, approximate costs, and the providers accepting the plan in your area.

Can I get a list of providers on the plan? Avoid any plan that cannot provide you with a list of dentists who accept their plan.

Can I think about it and get back to you next week? Bogus plans use high-pressure techniques to get you to join the day you call.

Is your plan endorsed by or affiliated with a legitimate national organization? According to the NADP, a recent bogus dental plan said it was endorsed by the "United Dental Association." There is no such organization.




Val


__________________
Reply With Quote
  #3 (permalink)  
Old 03-09-2004, 04:46 AM
Eight Year Member
FamilyCorner Groupie
 
Join Date: Apr 2003
Posts: 621
link

http://www.nadp.org

Got it, thanks.

I do have dentist insurance through the company that I worked for. I wanted to add them but, it will cost me twice if I get it privately. I tried privately and I cant get it without an adult, this mean I have to pay for something that I am not going to used for myself, just for my kids. And they wont even let you pay it by check, you have to have them do a bank draft or pay in full year ahead. Also, if I get it through my work the policies has a waiting period if they have to do something heavy.
__________________
-lrivetz
There are two theories about arguing with women. Neither one works.
Reply With Quote
  #4 (permalink)  
Old 02-11-2012, 06:36 AM
KSJEn6891's Avatar
Seven Year Member
FamilyCorner Junkie
 
Join Date: May 2007
Location: Earth
Posts: 1,021
Awesome information Val. Thanks for sharing it!!

In answer to "What kind of Dental insurance do you have?":
We currently have Metlife, and if the dental work you need to have done is "preventative" we don't pay anything, but if it is something special, non-preventative, than it's out of pocket. There is a dentistry near us that is "family" related (i.e. Ped's, adults, hygienic, etc), not only is there a person available for your family's dental needs, but if you are a new patient w/o insurance they have a $40.00 deal for x-rays (digital), cleaning, and exam. a little extra for non-standard cleaning, and they have Pay options available. I found this all out, before I was informed that we have Metlife (we thought it was the BCBS of TX).
__________________
Past = , Future = . We have now, let's make a change.
Reply With Quote
 
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Rate This Thread
Rate This Thread:

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is Off
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Looking for health insurance Juliecc913 Medication, Prescriptions & Insurance 14 05-29-2006 03:30 AM
December 2005 Friendship Flower Abear Idle Chit Chat! 491 01-25-2006 08:10 AM
Health insurance Amanda Children's Health 9 03-08-2004 06:24 PM

 
Craft Supplies


All times are GMT -8. The time now is 07:59 PM.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.
SEO by vBSEO 3.6.1
Copyright 1997-2012, FamilyCorner.com Magazine, Inc. an Internet Brands company

POPULAR AREAS OF FAMILYCORNER.COM

Our Family FunBook is packed full of ideas from parents just like you!

Our members say that they have never found a friendlier message board community than ours!

Our kid's craft section is filled with easy ideas for creative little minds.

We have tons of free printable coloring pages to keep your little ones happy.

We offer a wide variety of free newsletters delivered right to your inbox.

Our Household Hints & Tips have a wealth of information on cleaning, organizing, and more!
Go to the funbook Go to forums Go to kid's crafts Go to printables Go to newsletters Go to Hints & Tips

Home || Newsletters || Advertising || Terms of Use || Privacy || Services || Submissions || Contact Us || Media Opportunities || Link To Us || Shop || Feedback || Staff || e-Cards || Reminder Service



FamilyCorner.com® is sponsored in part by...




Visit our friends --> MomsMenu | Main Street Mom | She Knows | Baby University | Personal Fitness Zone | iChef.com

Copyright Notice | Privacy Policy | Terms of Use/Disclaimer