Saturday, July 28, 2012

Do health insurance companies think the average person is a moron


Do health insurance companies think the average person is a moron?
I am having a tooth implant. My insurance co. won't pay a nickel for it. They say it is not a necessary procedure since there are alternatives even though I had to sign a statement with my dentist that included the clause 'I understand this is a necessary procedure in my case because alternatives could jeopardize the health of my entire tooth structure.
' Then I noticed my dental insurance pays for preventative oral cancer screening. I asked their rep whether that was a necessary procedure since obviously it's not, since it's preventative. The rep gave me some b.s. answer. Then I said, "why don't you just admit you won't pay for the implant because it's expensive?" The rep said, we don't pay for dental implants because they are not covered in our policy." Duh. That's Illogic 101. Do insurance companies really think we are that stupid?
Dental - 6 Answers
Random Answers, Critics, Comments, Opinions :
1 :
They have us by the ba**s. Not just medical but all types. The average Joe can't fight them, they just drag it out so long it becomes more economically feesable to say screw it, eat your crap sandwich and go on . That don't make it right, that's just the way it is. Why do you think they have billions in reserve?
2 :
Pretty much. To be honest, almost no insurance companies pay for dental implants.
3 :
no they just do not care, and want to stall you for as long as possible .get a lawyer !
4 :
I think they do!!! Good luck.......I have had similar problems!! keep all correspondence and write down dates and conversations..........and..................go against their desicion!! Appeal...... appeal ..........appeal!!!
5 :
Keep in mind, your dental insurance is a contract that was negotiated with your employer! Very few employers have allowed dental implants to be a covered benefit, including Anheuser-Busch companies. For the record: Dental insurance has not increased their maximums per year for over 20 years. Most dental insurance policies have a max/year of $1000 - 1500.00 per year, which is ridiculous. A root canal and crown cost more than that. All insurance companies are in business to make money. Dental insurance sucks. If our country would do away with insurance all together, doctors could lower their fees and the population might actually be able to afford good health care. I really don't see dental insurance as a benefit because for the most part it's expensive to have, and it doesn't cover everything. Sadly, the people who work for the insurance company have no control over your policy. The CEO is most likely out to lunch or on vacation! Good luck. Get the implant regardless - it's a great investment.
6 :
Well it is not that people working in dental insurance companies are any different than the people working in health insurance or life insurance or car insurance companies. It is just that the dental insurance per se does not make much business sense these days, so it needs to be augmented with exclusion clauses in the policy, with waiting periods, and annual limits. This annoys the dentists and the consumers as the question illustrates. There are more sensible alternatives to dental insurance that make more business sense and are basically based on negotiating or pre-negotiating lower costs for the participants.
7 :
Dental Implant and Laser eye surgery is very safe nowadays. My cousin got her dental implants and lasik surgery in India by a company called Forerunners Healthcare. The Price for dental and lasik surgery is very less in India. She paid 25% of the price she was quoted in America. Forerunners Healthcare is very famous in India They arrange Dental surgery, jaw surgery, lasik eye surgery, Dental Implants etc for foreign patients in India. I read a lot about them in the Newspapers and magazines- about their patient stories. They arrange financing for USA, Canadian, UK and other international patients who plan to have surgery abroad for low cost, as dental and eye surgery is not covered by insurance. They also have photos pasted of their International patients. You can checkout their website. There are huge cost savings. As a doctor I personally believe that surgery can be easily handled in India, as the quality of healthcare available In India is simply best in the world. The surgeons are USA/UK trained and facilities are 5 star. http://www.forerunnershealthcare.com Hope this helps.



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Posted by Health Insurance at 6:12 PM