I have no dental insurance and I do not want discounted insurance. I live in NC and I can not find any dental anywhere. I have missed signing up with my employer so they tell me I have to wait a yr. Does anyone have any good ideas where I can find dental insurance? I do not make that much money.
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Discounted dental insurance like an HMO is probably about the only choice you have if finances are an issue. If you need to visit a dentist you may be able to work about a payment plan. Many offices have extended payment arrangements you can make to get needed treatment done. Many offices have Care Credit or something like it. It is like a dental credit card. And next year sign up with your employers plan. Good luck.
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Sunday, February 6, 2011
Who sells affordable professional liability / malpractice insurance for dentists?
Looking for more affordable insurance for me, my partners and our dental practice. We think there is too little choice of insurance companies offering professional liability and other commercial insurance to dental practices and dentists. Does anyone know who else can offer us more choices in competitive coverage?
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Well, professional liability isn't much of a moneymaker, from the insurance company's point of view. Luckily for you, dental malpractice is a lot less hazardous, however, unluckily for you, most insurance companies won't offer just ONE class of malpractice insurance. That means, in any given state, there is very, very little competition for professional liability coverage. You don't say where you are, but there are probably less than five carriers in your state. Several of those would probably be non-admitted carriers. The best thing to do is see if you can hook into a state wide professional group, and have the group negotiate a 5% cut in rate based on volume discount. Sorry !
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Well, professional liability isn't much of a moneymaker, from the insurance company's point of view. Luckily for you, dental malpractice is a lot less hazardous, however, unluckily for you, most insurance companies won't offer just ONE class of malpractice insurance. That means, in any given state, there is very, very little competition for professional liability coverage. You don't say where you are, but there are probably less than five carriers in your state. Several of those would probably be non-admitted carriers. The best thing to do is see if you can hook into a state wide professional group, and have the group negotiate a 5% cut in rate based on volume discount. Sorry !
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Online dental plans........ do they work?
I want to purchase a dental plan online for my family. We already do have dental insurance through my husbands work but it doesn't cover anything "major". How do these plans work? I've done research but want to know from some of you that have used it. Do you pay the full price of a procedure and then get reimbursed? Thank you for a detailed answers.
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If you have been shopping for dental or medical coverage for you and your family you may have come across a variety of different and sometimes confusing programs. Whether you are searching for medical or dental coverage there are basically two options to choose from including traditional insurance plans and discount health programs. Medical or dental discount programs are not actually insurance. Discount dental and medical benefits provide their members with discounts on dental and medical treatment through participating network providers. Members pay a fee to participate in exchange for discounts that can range from 10-80% off regular prices. The leading discount dental provider is Ameriplan USA®. The medical and dental providers contract with the program to only charge members based on these discounts. The members benefit from reduced fees and the providers benefit from the exposure to the membership pool. Because this is not an insurance contract program there are no exclusions for pre-existing conditions or limitations on treatment. Ameriplan® offers a low monthly membership fee for discount dental services, no forms to fill out, and a wide network of quality dentists for you to choose from. AmeriPlan has a Dental Plan for only 19.95 a month and includes up to 20 people in one household - related or not. All you do is pay the discounted price that AmeriPlan has set and you can save up to 80% off. You You can look at our plans we offer at: www.mybenefitsplus.com/dare2dream Hope this helps! dentalplus4u@gmail.com
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If you have been shopping for dental or medical coverage for you and your family you may have come across a variety of different and sometimes confusing programs. Whether you are searching for medical or dental coverage there are basically two options to choose from including traditional insurance plans and discount health programs. Medical or dental discount programs are not actually insurance. Discount dental and medical benefits provide their members with discounts on dental and medical treatment through participating network providers. Members pay a fee to participate in exchange for discounts that can range from 10-80% off regular prices. The leading discount dental provider is Ameriplan USA®. The medical and dental providers contract with the program to only charge members based on these discounts. The members benefit from reduced fees and the providers benefit from the exposure to the membership pool. Because this is not an insurance contract program there are no exclusions for pre-existing conditions or limitations on treatment. Ameriplan® offers a low monthly membership fee for discount dental services, no forms to fill out, and a wide network of quality dentists for you to choose from. AmeriPlan has a Dental Plan for only 19.95 a month and includes up to 20 people in one household - related or not. All you do is pay the discounted price that AmeriPlan has set and you can save up to 80% off. You You can look at our plans we offer at: www.mybenefitsplus.com/dare2dream Hope this helps! dentalplus4u@gmail.com
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what if i use my medical insurance?
i got my 1st job 5 month a go and i have medical and dental insurance as well, and i need to c a Dr soon coz i go to gym a lot, i luv to workout and my right hand is hurt a little, i'm fine i can function but something is wrong so i'm afraid to use my medical insurance, is this bad for the company if employees use there medical insurance, i'm i gonna get fired if i use my medical insurance? pls help!
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Companies are mostly self-insured and sign up as a pool. A health provider merely manages. Rates will never go up for you just because you have a claim. Trust me - we've had claims - rates never go up. If they do, they'll go up for the entire company and everyone pays equally. It's not like car insurance. Enjoy your doctor. /
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Companies are mostly self-insured and sign up as a pool. A health provider merely manages. Rates will never go up for you just because you have a claim. Trust me - we've had claims - rates never go up. If they do, they'll go up for the entire company and everyone pays equally. It's not like car insurance. Enjoy your doctor. /
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HELP :"( I need dental coverage but I am a temp.Can anyone recommend insurance?!?
I'm having a really hard time finding an insurance company that are available to temps. Unfortunately I make too much to be eligible for medicaid, which is ironic because I don't make a lot of money! lol So any suggestions!? I really need to go to the dentist asap, I'm in a lot of pain :'(
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I would encourage you to visit this great website: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago and they have saved us thousands of dollars since on all dental services. From extractions, exams, xrays, cleanings, fillins...etc. Even my braces were covered. They even had my extremely affordable plan active in 2 hours and was able to use it the very same day. Good luck and Hope this helps.
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I would encourage you to visit this great website: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago and they have saved us thousands of dollars since on all dental services. From extractions, exams, xrays, cleanings, fillins...etc. Even my braces were covered. They even had my extremely affordable plan active in 2 hours and was able to use it the very same day. Good luck and Hope this helps.
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I need a good individual dental plan for my family!?
I need to find a good dental insurance plan for me and my family. It needs to cover 100% of basic dental work (like fillings, cleaning, etc.). If you have a good one, can you give me the name of it and a web address where I can read about it? Thanks!!
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Check this out. http://www.deliveringonthepromise.com/40…
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Check this out. http://www.deliveringonthepromise.com/40…
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What would be a good health insurance plan for me?
I am just 20 years old. I need something that is low priced...I do not get sick that much, I just need something that would cover birth control, dental and vison. This whole insurance thing is REALLY confusing to me :-/
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The best match for you RIGHT NOW, not in some distant future seems to be MySimpleCard. Make sure you see exactly how it will help you on birth control pills, dental and vision. When you learn about MySimpleCard you will also become less confused about insurance. Good luck!
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The best match for you RIGHT NOW, not in some distant future seems to be MySimpleCard. Make sure you see exactly how it will help you on birth control pills, dental and vision. When you learn about MySimpleCard you will also become less confused about insurance. Good luck!
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