Saturday, September 1, 2007

Dental plans and Dental insurance

Dental coverage is normally not underwritten by insurance companies because the treatment and medication of dental needs are predictable and follow a time table. No individual would opt for a Dental Insurance plan if he were to pay more in premium than in annual dental charges, and the insurance company would lose money if they pay more in claims than the premium collected for each policy they underwrite.



Despite these drawbacks, some companies offer dental benefits by group discount schemes. These are also called discounted dental plans or affordable dental plans. The dental service providers or dentists affiliated to these "clubs" have agreed to provide dental services at a discounted rate. The payment is made directly by the patient to the dentist, no paperwork or claims or future hassles. These "clubs" only do matchmaking between the patient and the dentist, earning money in the process. The dentist in turns gains to earn due to larger volumes of work. The patient gets the service at a discounted rate. It's a WIN-WIN for all parties involved.



Dental Insurance when offered is again a complicated issue. The insurance company generally stresses upon Background checks and pre-existing conditions. A lot of employers also provide dental insurance whereupon the need for plans ceases for the individual.

1 comment:

Unknown said...

Thanks for the valuable info... Your blog just compel me to ask a question regarding one of our gardener at aquabot as he can't afford his dental procedure (and it needs to be done as soon as possible). Is there any kind of dental insurance that could help him substantially?