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Dental Insurance: A White Collar Robbery?

June 5th, 2008    Subscribe To Our Feed

Without insurance protection, dental treatment is a difficult proposition. I remember about a real life incident. A health benefit scheme was introduced in a Bank under which actual dental care treatment expenses for Officers were reimbursed in full. The response to the scheme was awesome…

Dental insurance is a big racket– I don’t say this to offend you. It is a big racket having 32 teeth (Normally!) Still not clear on why do I call it a racket? Well, if you break a cord of the racket, only that cord needs to be replaced; the racket is in tact. Similarly, if you lose a teeth (God forbid), the loss is limited. How expensive the dental treatment is! You give your teeth to the dentist and make payment as well.

Without insurance protection, dental treatment is a difficult proposition. I remember about a real life incident. A health benefit scheme was introduced in a Bank under which actual dental care treatment expenses for Officers were reimbursed in full. The response to the scheme was awesome. Claims for reimbursement of expenses poured in. It almost assumed the form of a racket.

One particular officer tendered bills for reimbursement of expenses, almost daily. One day I asked the dealing Assistant, What’s wrong with the dental health of this Officer? Is he dentally, medically unfit? Going by the claims he is submitting and the nature of dental problems descriptions, not only he, his next seven generations need to be declared medically unfit! I added.

This happens with every good scheme, badly implemented. But most of the schemes today are not so good policies and implemented quite effectively by the insurance agents.

As for making the plans, the think tanks in any insurance company are capable of working wonders. The premium structure is so planned, you just don’t realize, how nicely they take out the money from your pocket! After all they have to pay fat salaries to their executives, their fat TA bills, the air-conditioned comfort in the offices and residences, the huge housing loans at negligible rates of interest, the bonuses and incentives, ample number of holidays, travel by air and a lot more expenses.

The normal essential dental plan covers eligible expenses including diagnosis expenses, prevention and treatment expenses, dental cleansing, dentures and fixtures and surgery. You need to study the policy terms and conditions carefully as there are always ifs and buts conditions, and the settlement of the claims depends upon the social ethics of the society/country. The clause conditions apply mostly works to the disadvantage of the policyholders.

Someone has compared the insurance business with Health Fitness Articles, white -collar robbery. He must be having his valid reasons!

Source: Free Articles from ArticlesFactory.com

ABOUT THE AUTHOR

The author writes articles on different topics. To get more dental insurance articles visit www.dentalinfoline.com/

For an alternative to dental insurance visit our dental insurance guide.

Dental Health Insurance Quote

May 11th, 2008    Subscribe To Our Feed

Comparing through dozens of dental insurance quote figures and facts are no fun and no monkey business either. So how do you choose the right dental insurance plan for you and your family?

There are various dental insurance plans available from many different insurance companies. Almost all of this insurance companies provide a free quotation online. You have to weight between the benefits offered and the amount quoted.

One of the thing that you should look for in the quotation is, if there is any limitations or restrictions of the benefits offered. Make sure that all the benefits that you and your family needs are covered in the quotation.

The dental insurance quote should include the total plan of the coverage. Some of the terms that should be covered are like coverage period, how much does your monthly premium cost and the service benefits that you will get.

What are the features of the best dental insurance quote?

One of the thing that you should look into here is cost versus benefits. Some of the dental insurance quote are pretty cheap and affordable but does it cover all the necessary dental services that you and your family are looking for?

Family dental insurance plan works perfectly for those who want coverage for family members. It operates more or less like regular family plan for health insurance.

When asking your agent for the dental insurance quote for the whole family, make sure you are aware of the plan waiting period if any and some other limitations.

It is important to make sure that the dental needs for the entire family is covered in the quoted plan.

I guess the first question to ask, is the quotation contains all the basic features of dental care that your entire family needs. Routine dental visits for check up and annual dental check up are a must. Also can you afford the plan according to the quotation?

Does your dental insurance plan provide you with a long term saving in terms of dental care expenses? A good insurance plan should reflect that in the quotation. Another way of saving money over the long term is to get discount dental plan.

Last but not least, study your quotations carefully. Get a handfuls of quotations from various dental insurance plan. Also get quotations from various dental insurance providers. Compare them carefully before you come to a conclusions.

When you come to a conclusions, it is preferable to get a second opinion from any one that you know who are on that plan.

Having gone through the details of your quotations, don’t forget to look at the scope of your benefits. Some plans impose a limitations on your claims benefits. Also check with your agent if you are entitled to any discount from the plan. There might be some discount available that you might not know.

For a smart money saving alternative to dental insurance please check our dental insurance guide.