Indiv Dental

saieddie · 06-11-2007, 03:14 PM

I don't normally offer stand alone dental, but this Dominion Dental seems to be an ok product for my clients that insist on buying dental insurance. Anyone heard of them, or have any thoughts (uh oh) on stand alone dental.

somarco · 06-11-2007, 07:22 PM

Never heard of them. Got a link?

Or is this it?

http://www.dominiondental.com/ka/index.cfm

The group plan may be OK. The individual plan is a discount program.

SME · 06-12-2007, 04:25 PM

World has a decent indiv dental in some states.

arnguy · 06-12-2007, 04:41 PM

I haven't written any business with them in quite a while. They are O.K., basically dental discount plans. However, they do have dental PPO and group plans if I remember correctly. (That is for PA.)

saieddie · 06-13-2007, 12:21 PM

Yeah, thats the dominion dental we're using. We've got the group ppo set up. Still a $1000 annual max. Based on the cost v. benefits, I don't know how much of this i'll be selling.

somarco · 06-13-2007, 12:43 PM

Dental is always a dollar swap. Not insurance, more like a non-interest bearing account.

SME · 06-13-2007, 01:16 PM

I'm with Somarco. If a client asks for Orthodontia I tell them to open a savings account and put the money in there. In the end they'll have more to spend then with insurance.

somarco · 06-13-2007, 01:22 PM

Quote:

open a savings account

or an HSA . . .

Dave020 · 06-13-2007, 01:59 PM

California Blue Cross came out with a plan about a year ago to address this issue. It is called "Smilenet" and is simply a discount arrangement where the participating providers (PPO) are bound to accept the negotiated fee rate for all dental services. No insurance component to the plan, simply access to the NFR on all services. Cost about $8 a month for singles and $12 for families or couples.

Dave
www.davefluker.com

CHUMPS FROM OXFORD · 06-13-2007, 04:10 PM

Aetna's plan isn't bad. $14 per month. Blue Cross charges $26.

And there is dentalplans.com. Discount plans, for the most part.

arnguy · 06-13-2007, 05:34 PM

Careington also has discount plans. As I mentioned in an earlier post, Dominio has several discount plans.

arnguy · 06-13-2007, 05:37 PM

P.S. I think an insurer called Security Life writes fee-for-service dental plans. There is another insurer whose name begins with a "B" that writes fee-for-service dental. I'll probably think of around 3 AM.

saieddie · 06-14-2007, 02:46 PM

Quote:

Originally Posted by somarco

or an HSA . . .

I thought an HSA would be a good idea too, but don't you have to have a qualifying HDHP to get one?

SME · 06-14-2007, 02:55 PM

I once saw a plan from Health Plan Services that was for individuals. It looked decent but I only worked with groups at that time so I never sold it. Might be worth looking into.