Dental-Insurance-Comparison will help you save moneyDental-Insurance-Comparison with Benefit or Discount Plans let you see why Benefit Plans are better and will save you money over the year.
Here is the Dental-Insurance-Comparison
Insurance
An average single individual will pay $600.00 a year in premiums for Dental Insurance. Most Insurance have a $100.00 deductible. Insurance pays 50%, you pay 50%. The regular cleaning is normally FREE. There is a cap for the year of $1000.00 to $1500.00. Customers could experienced some waiting period between treatments. You need to choose your Dentist from their network
I have included a chart with average prices for common procedures. This does not included any rebate, discounts or Insurance coverage. It could vary from State to State, this chart is for the State of Florida. Procedures and Fees - Routine 6 month check-Up:__ $43.00 - In depth Check-up:__ $69.00 - Full mouth x-rays:__ $114.00 - Four bite wing x-rays:__ $55.00 - Panoramic film:__ $97.00 - Adult teeth cleaning:__ $83.00 - Child teeth cleaning:__ $62.00 - Protective sealant/tooth:__ $46.00 - 1 surface white filling U or L front tooth:__ $135.00 - Single crown - Porcelain on high noble metal:__ $981.00 - Single crown on porcelain on noble metal:__ $912.00 - Root canal - Molar:__ $919.00 - Perio scaling and root planing per quadrant:__ $217.00 - Full upper denture:__ $1,353.00 - Full lower denture:__ $1,353.00
Example # 1
My neighbor is a retiree from Raytheon
His Dental Insurance is from his ex-employer's Group Insurance. He pays $672.00 in premiums per year. He has a $100.00 deductible per year. The Dental Group insurance pays 50%, he pays 50%. And he has a cap of $1500.00 a year for services. There are some waiting periods between treatments.
He went to the Dentist the other day and here's what happens:
Routine Check-up,__ fees $43.00,__ pays $0,__ Saving $43.00
He had 1 white filling,__ fees $135.00,__ pays $67.50,__ Saving $67.50
He had a single porcelain crown,__ fees $912.00,__ Pays $456.00,__ Saving $456.00 Total out of pocket:__ $523.50,__ Saving $566.50
Let see what he has left on his $1500.00 for the rest of the year. Based on the regular price $1,047.00 that leave him with just $453.00 for the rest of the year.
His real cost is: Premiums: $672.00 for the year Deductible: $100.00 for the year Treatments: $523.50 one time visit Total of: $1,295.50
Lets look at Dental Benefit Plans for Dental-Insurance-Comparison
The average premiums for these Dental Benefit Plans are $146.80 per year
- No deductible
- No cap
- No waiting
- No medical condition
- Everyone is accepted
In Florida we have 71,000 Dentists to choose from.
The saving is from 15% to 50% on services ranging from General Dentistry, cleaning, root canals, crowns, braces and a other procedures.
Example # 2
With Benefit Plans
Routine 6 month check-up,__ Fees $43.00,__ Pays $24.00,__ Save $19.00 Cavity filling same as # 1,__ Fees $135.00,__ Pays $71.00,__ Save $64.00 Crown same as # 1,__ Fees $912.00,__ Pays $549.00,__ Save $363.00
Total Fees $1,047.00 Pays $644.00
Save $403.00
His real cost:
Premiums: $146.80 for the year Treatments: $644.00 one time visit Total of: $790.80
When we compare the cost of Example # 1 the cost is: $1,295.50 The cost of example # 2 is $ 790.00
There is a difference of $505.50
With the example # 2, there is no cap on treatments. He will have a saving benefit of 15% to 50% all year.
Therefore, the example # 2, using Benefit Plans will save more money over the year.
You now have the Dental-Insurance-Comparison. It is up to you to choose
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