First of all, our plan was designed specifically in mind with providing a wide range of dental procedures to the prospective patients, while allowing them to remain with the same dentist that they have been using previously. In the event that the patient may wish to switch the dentist and go to another dental office, they can do that too (as long as their dentist is listed as a participating provider).
Second of all, many Americans are facing higher healthcare premiums starting January 2017. Many of them will pay 25-30% more in 2017 than now in 2016. We have researched this subject throughout and people that will face ever increasing medical cost will forgo their dental treatment if faced with waiting periods of 12 months for extraction or a root canal.
Nobody should be forced purchase a faulty product, such as a dental plan that will cost you around $300-$450 per year, you will have at least 40-50% copays for major procedures (crowns, bridges, implants, etc.) will have a yearly deductible of $50-$75 per person and you can’t have a broken crown replaced on your front tooth because the waiting period will end 12 months from now. Insurance companies are forcing you to have your dental insurance for at least 2 years. They need to make sure that their company will make money off of you. In the end it’s you that will overpay hundreds if not thousands of dollars for treatment.
Third, how many times have you heard “ this procedure is not covered by your insurance”? Many patients and dentists are frustrated with the insurance companies. Many times insurance company will state” approval is not a guarantee of a payment”. So, the patient can still be on the hook for unplanned out of pocket expense. The dentists are frustrated because they know that the patient may end up ruining what is left of their teeth or may ruin the previously started dental wok, which they cannot complete now due to insurance’s clause.
You as a patient have an option of choosing your own plan that will give you the quality treatment. You can have Altas Dental Discount Plan as a back up to your existing dental insurance. Or if you have no dental insurance at all, and your teeth are fine. But you may need some dental work in few months-it will cost you $89/year for the Basic version, $99 for Comprehensive, and $109 for Prime if you may need many surgical procedures such as sinus lifting, major bone grafting, or implant retained dentures.
I have medical and dental insurance from the state of PA. I was told that since I am over 21, I can’t get many things done to my teeth. I hate the way my teeth look and I am looking for a new job. I don’t want my teeth to affect my job prospect. I want to purchase plan but I’m afraid that my state benefits will be cut before I will get the new job. What can I do?
Since this plan is not an insurance, it will not affect your benefits from the state in any negative way.