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Discussion on Individual Dental within the General Insurance Agent Discussions, part of the Insurance Agents and Brokers Forum category.
Originally Posted by moonlightandmargaritas
Paying $1.00 to insure against a $3.00 expense is pretty expensive as insurance goes.
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05-08-2008, 04:33 PM
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#21
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Guru
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Quote:
Originally Posted by moonlightandmargaritas
Paying $1.00 to insure against a $3.00 expense is pretty expensive as insurance goes.
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Depends on the probability of that expense. The higher the probabilty, the more sense it makes.
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Think you have guts? Committment? Consider this British Light Brigade during the Crimean war, when 1/3rd of them didn't come back alive:
Theirs not to make reply,
Theirs not to reason why,
Theirs but to do & die,
Into the valley of Death
Rode the six hundred.
Cannon to right of them,
Cannon to left of them,
Cannon in front of them
Volley'd & thunder'd;
Storm'd at with shot and shell,
Boldly they rode and well,
Into the jaws of Death,
Into the mouth of Hell
Rode the six hundred.
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05-10-2008, 01:50 AM
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#22
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Expert
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Quote:
Originally Posted by GreenSky
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Why do you like that plan? It seems really expensive... like over $500 year.
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05-10-2008, 08:19 AM
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#23
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Guru
Join Date: Sep 2006
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Retread -
Many indemnity plans are not PPO contracts, and only a small percentage of dentists agree to discount their services.
In a metro area you would do good to find 15 - 18% of the providers participating in ANY plan.
Even if you went to a par provider and, using the example above, your carrier paid 50% of the negotiated rate, you still have over $500 OOP and have used up almost half your annual cap.
Throw in a couple of cleanings, and you have used 70 - 80% of your annual cap.
So how good is that plan when you don't need a crown? And don't forget to factor in the 12 month wait on major work.
If you still believe individual dental is a good deal, and there really is a tooth fairy, that is your choice.
The numbers don't lie.
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05-10-2008, 09:15 AM
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#24
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Guru
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Quote:
Originally Posted by somarco
Retread -
Many indemnity plans are not PPO contracts, and only a small percentage of dentists agree to discount their services.
In a metro area you would do good to find 15 - 18% of the providers participating in ANY plan.
Even if you went to a par provider and, using the example above, your carrier paid 50% of the negotiated rate, you still have over $500 OOP and have used up almost half your annual cap.
Throw in a couple of cleanings, and you have used 70 - 80% of your annual cap.
So how good is that plan when you don't need a crown? And don't forget to factor in the 12 month wait on major work.
If you still believe individual dental is a good deal, and there really is a tooth fairy, that is your choice.
The numbers don't lie. |
You guys are something else, You spend half you day or time defending your position on a Dental Plan???? Maybe if you spent time selling, you might make a living, For some of you, You are on here 24 hours a day, How do you sell anything? 
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05-10-2008, 09:21 AM
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#25
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Guru
Join Date: Sep 2006
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Quote:
Originally Posted by dmiller90
You guys are something else, You spend half you day or time defending your position on a Dental Plan???? Maybe if you spent time selling, you might make a living, For some of you, You are on here 24 hours a day, How do you sell anything? |
Someone annointed you as "sales manager"?
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05-10-2008, 09:34 AM
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#27
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Guru
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Quote:
Originally Posted by moonlightandmargaritas
Someone annointed you as "sales manager"?
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Once again, your comments are of no use and a complete waste of cyber space
Stupid Flies!!! Someone grab me a fly swatter!! 
Last edited by dmiller90 : 05-10-2008 at 09:47 AM.
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05-10-2008, 10:25 AM
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#28
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Guru
Join Date: Sep 2006
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If you are going to sell dental (or major med, or LTCi, or Med Supp, or . . .) you better damn well know how claims are paid.
Especially if it is a product that has a lot of interaction with the carrier (ie., lot's of claims).
When your client complains about the way a claim was handled, you can be proactive and explain the EOB or you can say you don't know and suggest they call the carrier.
I dare say there are a dozen people on this forum who know how dental plans work when a claim is submitted. Most folks come here to learn, others to share.
If someone learns something from this thread that will be useful then that is a positive. If they want to sell dental it might be good to know what to tell a client when they want to know why the plan only paid half their claim.
My job is to show clients the best value for their dollars. If they still want to buy something I don't recommend, I let them.
Sometimes they buy it from me (like dental coverage), sometimes they buy it from someone else (like a major med without Rx coverage).
I don't push dental, but if someone insists, I don't stand in their way.
If they insist on buying a Copay Saver I invite them to go direct or use another agent.
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05-10-2008, 11:39 AM
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#29
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Join Date: Sep 2006
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Quote:
Originally Posted by dmiller90
Once again, your comments are of no use and a complete waste of cyber space. I am a moron.
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You're gettin' too easy to bait. No fun anymore.
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05-10-2008, 11:46 AM
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#30
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Guru
Join Date: Mar 2007
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Quote:
Originally Posted by Soaringagent
Why do you like that plan? It seems really expensive... like over $500 year.
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Didn't say I like it and I have not sold it. Only offered it as a suggestion since there is no network issues.
When a client asks about individual dental I go over the math. I have yet to have anyone buy a plan from me.
Rick
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05-10-2008, 12:16 PM
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#31
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Guru
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Quote:
Originally Posted by moonlightandmargaritas
You're gettin' too easy to bait. No fun anymore.
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Originally Posted by dmiller90 
Once again, your comments are of no use and a complete waste of cyber space. I am a moron.
See what this board has changed to? You got moderators changing peoples quotes, has happened before. We all know the person who plays games like this, Lonely Man. Sad that he calls himself a professional
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05-10-2008, 12:40 PM
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#32
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Guru
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Quote:
Originally Posted by dmiller90
You guys are something else, You spend half you day or time defending your position on a Dental Plan???? Maybe if you spent time selling, you might make a living, For some of you, You are on here 24 hours a day, How do you sell anything? |
Has anyone ever suggested to you that you MIGHT be a KILLJOY??? If not, then allow me to be the first honest person you have met.
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05-10-2008, 12:45 PM
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#33
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Guru
Join Date: Sep 2006
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Quote:
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When a client asks about individual dental I go over the math. I have yet to have anyone buy a plan from me.
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That produces respect and referrals.
At least, that has been my experience . . .
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05-10-2008, 12:56 PM
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#34
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Guru
Join Date: Sep 2006
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Quote:
Originally Posted by dmiller90
Originally Posted by dmiller90
Once again, your comments are of no use and a complete waste of cyber space. I am a moron.
See what this board has changed to? You got moderators changing peoples quotes, has happened before. We all know the person who plays games like this, Lonely Man. Sad that he calls himself a professional |
Are you saying moonlightandmargaritas put " I am a moron " in your post......
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05-10-2008, 01:19 PM
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#35
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Guru
Join Date: Sep 2006
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Quote:
Originally Posted by STIBROKER@AUSTIN.RR.COM
are you saying moonlightandmargaritas put " I am a moron " in your post......
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I did. He forgot it. Hasn't anybody got a sense of humor around here?
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Spotted on a Gator fans's bumpersticker - "In Poland they tell FSU jokes."
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05-10-2008, 01:25 PM
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#36
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Guru
Join Date: Sep 2006
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Quote:
Originally Posted by moonlightandmargaritas
I did. He forgot it. Hasn't anybody got a sense of humor around here?
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Really....how long to you think I should Ban you.......
Deleted Threads
Quote:
Originally Posted by moonlightandmargaritas
Sam, what's the point?
It was my post that caus | | | | | | | | | | | |
Re: Individual Dental
