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Home Business Opportunity

 

Due to the rising cost of health and dental care, many families cannot afford to buy individual dental insurance and many employers are cutting back on employee benefits by not even offering dental coverage.

Many people are looking for alternatives.

 

Available

Discount Health Plans

Basic Health - $ 29.95

Total Health - $ 39.95

Total Health Plus - $ 59.95

(Includes Entire Household)

 

Nationwide

Dental Plan Network

Alabama

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Delaware

Florida

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Illinois  

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Dental Plans-Dental Savings-Largest Dental Plan Network

Dental Plans-Savings Up To 80% From Dental Plan Providers.  Dental Plans Include Vision, Chiropractic, Prescription Drugs.

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Group, Family or Individual Dental Plans Contain Terms-Pre-Existing Conditions, Waiting Periods and Other Complex Dental Terms. 

Dental Plans Don't Have To Be Complicated.

Common Terms Associated With Dental Insurance

 

Usual, Customary and Reasonable

There is no regulation as to how insurance companies determine reimbursement levels in a dental insurance policy.   This can result in very wide fluctuations.

"Usual, customary and reasonable" (UCR) may be one of the most misunderstood terms used in describing dental insurance.  UCR plans may pay an established percentage of the dentist's fee, or what the plan considers a "customary" or "reasonable" fee limit, whichever is less.  Although these limits are called "customary", they may or may not reflect the actual fees that dentists in your area charge.

Since our dental plans are not insurance, discount dental plan members pay a membership fee which allows them to pay discounted rates at participating dental providers, at the time services are rendered.

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Annual Maximum

Most dental insurance plans place an annual cap on the amount of reimbursement, usually $1,000 to $1,500 per year.   The insured is responsible for all costs incurred after that, in the same year.

Since our dental plans are not insurance, discount dental plans have no annual maximum.

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Least Expensive Alternative Treatment Provision

Some dental insurance plans will only pay for the least expensive treatment in a particular situation.  For example, your dentist may recommend a crown on your tooth, but the insurance policy will only provide reimbursement for a filling.

Since our dental plans are not insurance, discount dental plans contain no "Least Expensive Treatment" provision.

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Pre-Existing Conditions

Just as with health insurance, the dental plan may not cover conditions an individual had before enrolling in the group plan or the individual dental insurance policy. Other plans will place long waiting periods, anywhere from 6 to 18 months, before paying for major dental treatment.

Since, discount dental plans are not insurance, ongoing dental problems are covered immediately, with only minor exceptions.

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Deductibles

This is an amount that you will pay first, before the insurance company will start any reimbursement.  The deductible may range from $50-$100, or more. This deductible normally must be satisfied before any treatment, even preventative treatment, will be reimbursed.

Since, discount dental plans are not insurance, dental plans provide instant savings with no waiting periods and no deductibles.

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Do you understand . . .

  • Usual, Customary and Reasonable ?
  • Least Expensive Alternative Treatment Provisions ?
  • Preferred Providers ?
  • Annual Maximum ?
  • Pre-Existing Conditions ?
  • Waiting Periods ?
  • Deductibles ?

 

Dental Plans

For Everyone In Your Household

$ 19.95 month

 

Now Available!

Individual Dental Plans

$ 14.95 month

 

Start Dental Plans or

Health Plans

ONLINE

Visa, MasterCard, AmEx, and Discover accepted

 

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and mail

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Toll Free

 

Dental Plans in Major Cities

Danbury, CT

San Antonio, TX

Nashville, TN

Santa Fe , NM

Auburn, AL

Dallas, TX

Paducah, KY

Columbus, OH

Conway, AR

Lexington, KY

Pensacola, FL

Decatur, GA

Boise, ID

Indianapolis, IN

Newport, RI

New Orleans, LA

Jackson, MS

Charlotte, NC

Joplin, MO

Bristol, VA

Seattle, WA

Milwaukee, WI

Durango, CO

Reno, NV

Portland, OR

Detroit, MI

Austin, TX

Camden, NJ

Lincoln, NE

Albany, NY

Douglas, AZ

Ardmore, OK

Erie, PA

Houston, TX

Florence, SC

Baltimore, MD

Keene, NH

Garden City, KS

St Louis, MO

Canton, MI

Memphis, TN

Arcadia, CA

Eagan, MN

Detroit, MI

Danville, IL

Dover, DE

Salt Lake City, UT

Bangor, ME

Wheeling, WV

Burnsville, MN

Fall River , MA

Des Moines, IA

 

Discount Health Plans-Health Care Savings Up To 50%

Health Plans-Placing The Health Care Relationship Back Between Physician and The Patient.  Discount Health Plans Allow Better Healthcare While Decreasing The Cost.

 

We have attempted to provide a very general comparison of dental insurance and discount dental plans.  Your dental insurance plan may be one of the most valuable benefits you have and it really doesn't have to be complicated, as long as you understand the policy's provisions.  Dental insurance plans vary by insurance company and in the plan's design.  Nothing in this website is designed to explain the benefits of your individual plan as individual situations will vary.  All provisions of your policy contract determine your benefits.

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DISCOUNT DENTAL PLANS AND DISCOUNT HEALTH PLANS

ARE NOT DENTAL INSURANCE OR HEALTH INSURANCE

Discount Health Plans and Discount Dental Plans offered are not health or dental insurance.  Plans offered provide discounts at certain dental and medical providers for healthcare services.  Plans offered do not make payments directly to the providers of healthcare.  The plan member is obligated to pay for all healthcare services but will receive a discount from those dental or medical healthcare providers who have contracted with the Discount Medical Plan Organization.

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