Who do you folks like for dental insurance?

[dandan]

Low commissions and big headaches, I just don't need the extra service work for mediocre products and poor commissions.

 

[goillini52]

Low commissions and big headaches, I just don't need the extra service work for mediocre products and poor commissions.

I make more FYC on Dental, than I do on Med Supps. I've had very few headaches, because I make sure they understand how their DVH plan works.

 

[rousemark]

Low commissions and big headaches, I just don't need the extra service work for mediocre products and poor commissions.

Would not think that up to 70% first year commission and 20% lifetime renewals is low.

 

[LostDollar]

I am not an agent.

I can't think through a longer post right now, but please do some plan evaluations and look at in-network providers for the different plans before you leap into a purchase.

If you are looking at a significant amount of work that falls in the "major" category of dental services; DO NOT just buy a cheap premium plan, plan to use it at non-network dentists, and expect to obtain significant savings on your dental work. Won't happen.

I don't even bother selling dental plans on an out of network basis. It's nearly impossible to tell the client the amount they would pay for a cleaning / x-ray etc in that situation. It's usually a % of the usual and customary charge which varies by zip code or a % of the amount the insurance company thinks it is worth. Either way, If I can't tell someone exactly what something does I'm not interested in selling it or representing it

If we can't tell people how much they can expect to pay for services, how are we supposed to sell them insurance? If the plan pays 100% of the cost for an X-ray and they visit an in-network provider, the cost should be $0. If it is not, then I would ask the client to reach back out to me so we can figure out why that is. I do use the word "should" instead of "will be" because I know that there are always exceptions to the rule and circumstances I cannot foresee. Sometimes there are two tiers of providers for example and one of the tiers charges a higher amount or pays out at a lower percentage.

I guess I've got e&o to cover the risk..

The post I made to you was not intended to relate to you selling dental products.

I made the post as consumer to consumer because the previous posts in the thread left me with the impression you were intending to buy an Ameritas product as a secondary personal dental coverage product.

My personal experience in evaluating and purchasing secondary and tertiary dental coverage suggests that has the possibility of not being a wise purchase.


As far as selling goes, I have an opinion about what you are doing but I am not the one making a living selling insurance products so I will leave that with the one post I already made (which is also experienced based seeing UHC payment for fillings, root canals and crowns and trying to get get payment amounts from UHC for a specific dentist if the dentist is not making a preservice cost request themselves).

 

[Ron Van D]

I have a plan with Physicians Mutual. The preferred plan is $46.75 per month. That gets me 2 cleanings per year plus 55% coverage on basic and major (after a 12 month wait on major).

My last procedure was $1474 if I walked in off the street as a cash patient. Since my dentist is in the Ameritas network it knocked the price down to $695. I paid $324 out of pocket.

 

[LostDollar]

Unless you use Manhattan or UNL which have no networks.

But that only gets me an insurance carrier payment to the provider, it does not cover the additional step of giving me a modest reduction in the provider charge from their retail price to the allowed contract price for a carrier like Delta, BCBS, UHC, or MetLife.

 

[agentjhc]

I make more FYC on Dental, than I do on Med Supps. I've had very few headaches, because I make sure they understand how their DVH plan works.

Which companies do you use?

 

[axeman462]

Would not think that up to 70% first year commission and 20% lifetime renewals is low.

Who is paying 70/20?

 

[goillini52]

Which companies do you use?

I only use Manhattan Life.

 

[LostDollar]

Unless you use Manhattan or UNL which have no networks.

Who is paying 70/20?

I expect the answer to your question is in the post he made to me cited above.