Posted: Tue May 16, 2006 7:57 am Post subject: A mental bite scoops up my dental pain !
Hi, I'm facing a weird problem with the dentist I had been to a few days back. He is quite apprehensive towards accepting my insurance claim form as payment . He is asking me to pay him upfront and then collect it from my insurance company. Is there anything I can do at this juncture ?
crestfallen Gabby. _________________ Register Now to have your Insurance queries solved.
Posted: Tue May 16, 2006 8:45 am Post subject: you only have only two options..
My friend ...this is quite a common problem now a days..!
Its not always that the insurance companies would accept your forms as a mode of payment even though you may have a very good insurance to back it up. Most likely they would force you to pay them instantly and then yourself settle the payment with your insurer. But in some other cases the insurers would pay you a fixed amount for certain dental procedures. If you've gone for a simple dental bonding then the maximum amount you get as reimbursement may often be too less compared to the amount charged by the dentist.
Under those circumstances you only have only two options to follow, either you may pay it out of your own or you might choose to go for a less expensive treatment. So, its high time that you understand that the dentists are now trying hard to get out of any insurance programme.
thanks..
Posted: Tue May 16, 2006 9:03 am Post subject: a discount dental plan
Obviously ! You have the choice of opting for another plan which might be of some good use to you. This plan is called a Discount Dental plan and is quite different from the
traditional dental insurance. This plan is ideal for individuals whose employers do not offer any dental insurance coverage for them and their families.
regards,
Courtney _________________ Register Now to have your Insurance queries solved.
Posted: Tue May 16, 2006 9:37 am Post subject: differences...
Hi ..could anyone tell me the difference between a general Dental Insurance plan and a Discount Plan ? What are the things that are genuinely covered by the Discount Plans ? _________________ Register Now to have your Insurance queries solved.
Posted: Tue May 16, 2006 10:05 am Post subject: an individual plan as well as a group insurance plan !
A Dental Insurance plan could be an individual plan as well as a group insurance plan that would reimburse the insured for normal dental care or for any tooth decay caused as a result of an accident. But a group insurance plan would be defined as a contract between the insured and the insurer where in the insured would certainly get reimbursement for the dental services that are pre-listed. _________________ Register Now to have your Insurance queries solved.
Posted: Thu May 18, 2006 4:35 am Post subject: Pre-decided discount Rate !
Hi!
Let me explain, that for a general dental insurance program you'd be paying a yearly premium and get access to the provider dentists. But the discount plan would certainly negotiate s lower rate for some services like hygiene visits, exams, fillings, cleanings, root canals, orthodontics, crowns etc with the provider dentists.
Most of these services are provided by the dentists at a pre-decided dicounted rate that gets calculated even before the insured has purchased the discount plan.
regards.
My insurance through my husbands job covers a different % on each proceedure done and only up to 1000 a year. A root canal can take all of that. However I have found that with a lot of dental work a Dental Discount Plan called Ameriplan is even cheaper than insurance. You can get more info at http://mybenefitsplus.com/rrolson. Hope this helps.
