I just noticed that a banner ad from DentalPlans.com is appearing on this site. This is a good thing. As of a few days ago, on the advice of a dental tech., I went there and signed on with a plan called Dentemax. If I’d known about the ads, I’d have clicked through from here and gotten a (tiny) further discount.
All of the plans on the DentalPlan.com site appear to be the (so-called) ‘discount plans’. This seems to mean that they function essentially like insurance would, but do not have nearly the legal hurdles to jump over, so can be profitable with much smaller fees.
Like many insurance plans, there is a hefty up-front fee that the cardholder will have to pay, but there is also a substantial discount. Nobody uses these cards for frivolous purposes, but they easily pay for themselves. A couple of cleanings and a single filling could easily garner enough of a discount to pay for the years coverage.
I paid $104 for an individual plan on Monday. It was effective at 12:01 Tuesday morning and shaved somewhat more than $600 off work (lower partial denture and 3 extractions) that was already scheduled by 10:30 am Tuesday.
No questions.
That, for me, is your basic ‘no-brainer’.
I have friends who pay $72 a month for Delta Dental insurance and they pointed out that their $72 x 12 is roughly equivalent to the $900 that I still had to pay for this work. But they will be paying that $72 x 12 again next year, while I don’t expect to replace the partial denture that soon. If ever. And, if I do, I’ll get the $600 discount all over again.
More than that, they get their insurance through a group plan … something many of us can only look at wistfully, like marzipans through a shop window.
Dentemax (DentalPlans.com) is worth investigating. If you feel like doing me a favor, refresh the screen a few times until you see either a full banner ad for DentalPlans.com come up below or their text ad. Then click on the ad. If you’re in pain and need the help in the morning, by all means head there without waiting another moment.
I’m not ‘selling clicks’ … my member # is 802674XXX. I ‘drink my own kool-aid.’
March 5, 2010
Bill Canaday at 3:00 am ¤