Dental Insurance is a Rip-off
I was at the dentist yesterday and happy to know that I had insurance...
Sitting in the lobby, waiting to see the dentist a man was checking out. When the receptionist handed him his treatment plan and told him what portion his insurance would cover...and how much he would have to pay. His jaw dropped open in surprise. She told him his portion would be over $6,000 and that there was this great program that would allow him to finance his care over the next 18 months with monthly payments of $400 a month.
Yikes, now I was worried.
It made me nervous, as I knew I had a filling out and other potential problems in my own mouth and was worried how much my treatment plan might cost me?
After my cleaning, multitudes of dental xrays, and a brief visit with the dentist, the dentist told me that things were not that bad. Wooohooo, no cavities... just replace the filling and one other filling looks a little iffy... will just put a crown on it. I was also told that I would need to come back every 3 months for a cleaning to stay on top of any gum disease.
Next step, back to the from desk to get the GOOD news and what my treatment plan would cost.
Total cost....$1610....
Yikes
They also told me I need to come back every 3 months for cleaning...of course my insurance will not cover the extra two cleanings... so that is another $300.
Yikes, again! I thought she said things looked pretty good.
My insurance limit was $1200... but wait there is more.
Reasonable and customary charges.... I still have to pay $663 our of my own pocket.
Yikes again...it got me thinking.
Why have I been paying over $100 a month for dental insurance for years? It seems to me that I am losing money here. You do the math.
Sitting in the lobby, waiting to see the dentist a man was checking out. When the receptionist handed him his treatment plan and told him what portion his insurance would cover...and how much he would have to pay. His jaw dropped open in surprise. She told him his portion would be over $6,000 and that there was this great program that would allow him to finance his care over the next 18 months with monthly payments of $400 a month.
Yikes, now I was worried.
It made me nervous, as I knew I had a filling out and other potential problems in my own mouth and was worried how much my treatment plan might cost me?
After my cleaning, multitudes of dental xrays, and a brief visit with the dentist, the dentist told me that things were not that bad. Wooohooo, no cavities... just replace the filling and one other filling looks a little iffy... will just put a crown on it. I was also told that I would need to come back every 3 months for a cleaning to stay on top of any gum disease.
Next step, back to the from desk to get the GOOD news and what my treatment plan would cost.
Total cost....$1610....
Yikes
They also told me I need to come back every 3 months for cleaning...of course my insurance will not cover the extra two cleanings... so that is another $300.
Yikes, again! I thought she said things looked pretty good.
My insurance limit was $1200... but wait there is more.
Reasonable and customary charges.... I still have to pay $663 our of my own pocket.
Yikes again...it got me thinking.
Why have I been paying over $100 a month for dental insurance for years? It seems to me that I am losing money here. You do the math.
Are You Getting Ripped Off?
Insurance Companies are making huge profits, and YOU are getting ripped off!DENTAL Insurance Is a Massive Waste of YOUR Hard Earned $$$
We're not saying that ALL insurance is a bad thing. Homeowners insurance is a good thing, car insurance, same thing, but if you are paying for Dental Insurance you need to get our FREE report, because Dental Insurance is a gigantic rip-off, AND WE CAN SHOW YOU A MUCH BETTER AND AFFORDABLE ALTERNATIVE!
Let's say that you have Dental Insurance and your child needs braces, sorry CLAIM DENIED because you have to wait a year or in some cases 2 YEARS to get braces for your child!
You go to the Dentist and he says you need this and that AND you're missing a tooth and he urges you to get a bridge, CLAIM DENIED because of the MISSING TOOTH clause!
Let's say you're tired of the way your teeth look and you want just want them to look better. That's why you got dental insurance right? CLAIM DENIED! I'm sorry but cosmetic dentistry isn't covered in your plan.
You need to get -- CLAIM DENIED, but I didn't even finish telling you what I needed? It doesn't matter because Insurance companies - CLAIM DENIED, love taking your money and finding any excuse they can to deny paying your claims.
CLAIM DENIED!!
In 2004 Insurance Companies Made $$60 BILLION!!
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AmeriPlan Dental and Health Benefits
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- Learn more about how you can save money with a consumer drivern healthcare dental and health plan. Save up to 80% on all your dental and healthcare needs.
- Dental Plans and How they Work
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Have you lost money with your dental insurance? Let us know.
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- thornhilldental thornhilldental Nov 29, 2009 @ 1:28 pm
- Unfortunately, there are too many insurance plans out there that are so expensive, that they to not provide any benefit whatsoever.
Emergency Dental Care
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- DSCarroll1 DSCarroll1 Nov 29, 2009 @ 1:49 pm
- I know what you mean, I went to the dentist and since we have dental insurance and got some cleaning for free... I used it. To my surprise not only did my two visits for the entire year use up our entire $1200 deductible but they wanted an additional $600 out of pocket just for a filling and a crown.
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