Tuesday, November 23, 2010

Let's Compare Federal Employee Dental Insurance Plans

Dental Insurance for Federal Employees
The good news for federal employees is that they have access to several dental insurance plans. The bad news is that employees have to pay for dental plans in addition to their health care plans. The other not so great news is that unlike their federal health care plans, federal employee dental plans do not provide as good good of an overall value and savings.

Federal Employee Dental Insurance Review
If you take the time and review the overall cost of federal employee dental insurance you'll find that most family plans will cost approximately $50 monthly. You may also have to provide co-pays for every visit. Insurance also has yearly limits on costs for oral care. There is also all the confusing paperwork and pre-authorizations that most insurance plans require. If you are interested in braces, most of the federal plans require a long waiting period before you can use the plan for braces or orthodontia.

You Don't Know the Cost Upfront - That's Not Good
The most frustrating part is not easily finding fee schedules so you can compare plans. This is a critical issue since most plans list the percentage of the negotiated cost that employees will have to pay ... on top of the other fees already mentioned. The bottom line is that you will have to pay more than half for most major procedures as will as premiums.

A Better Way - Discount Dental Plans Save You Money
Discount plans are simple to use:
  • Fee schedules are published for each zip code
  • No paperwork
  • No high monthly fees
  • No waiting periods - Use Instantly!
  • 20%-70% off procedures
  • Can be used for cosmetic, braces, dentures, crowns and more!
  • Get a free Vision Plan as a Bonus
The Best Discount Dental Plan - The Careinton Dental Plan
We've done the hard part and found the best discount plan for dental. Careington Dental is the best plan for overall oral care.

Over 60,000 dental providers nationwide Provider Search


Careington has developed a first class panel of providers nationwide who must pass strict credentialing procedures. Providers must make available and pass a stringent series of information requirements prior to being accepted into the panel.



Is Orthodontics included?







Strongest savings in the market



Use the plan immediately

Full fee schedule available online ... Know exactly what you pay up front



Available at a low monthly rate







Over 7 million satisfied members ... Families & Businesses







Include anyone in your household

Learn More

Go to http://1dental.com/?affid=1865

Tuesday, November 16, 2010

Federal Employee Dental Insurance Plans

Comparing Dental Plans
So it's open season for government employees. That means reevaluating your health plan options, including Federal employee dental coverage. Federal employees have several dental insurance plans from which to choose.  While there are several to select, there are other more economical options beyond traditional insurance plans.


The Best Dental Plan for Federal Employees
These days, everyone is especially budget conscious. Take a look at a better approach that may save you even more on dental care - discount dental plans. The overall value is what you need to compare.

Keys things to review for dental plans:
  • Can you review a fee schedule for ADA procedures upfront
  • How much are the monthly premiums
  • Do you need to provide co-pays
  • What percentage will you have to pay
  • Is there a yearly limit
  • How long do I have to wait to use for braces and orthodontia 
Discount Dental Plans are a Better Value
When you add up what a family pays for dental insurance it's easy to see why more savvy consumers are turning to discount plans like the Careington Dental Plan.

You Pay Less and Get More Value. 
With discount dental plans, there are no high monthly costs, no waiting periods or dollar limits and you can use nationwide. The best part is that as a consumer you know upfront what you will pay. Careington has an easy to use tool that provides you with the already negotiated discount. That allows you to make an educated decision about your treatment and how you will pay for the procedure ... before you enter the dentist office. Dentists love the discount plans because they don't need to waste time and money filing insurance claims and they get paid at the time of service.They also offer a 30 day money back guarantee - so you can try it out see for yourself with no risk.

Compare for Yourself
Simply go to www.BestDentalNow.com and see how much money a discount plan can save you on dental care.

Overview of of Available Federal Employee Dental Insurance Plans



Dental Plan Brochure Plan website Provider Search
Aetna Life Insurance Company Plan Brochure PDF
[251 KB]
Go. Go.
Government Employees Health Association, Inc. (GEHA) Plan Brochure PDF
[779 KB]
Go. Go.
MetLife Inc. Plan Brochure PDF
[708 KB]
Go. Go.
United Concordia Companies, Inc. Plan Brochure PDF
[679 KB]
Go. Go.
Group Health, Inc. (Regional plan - see plan brochure for service area) Plan Brochure PDF
[158 KB]
Go. Go.
Humana/CompBenefits (Regional plan - see plan brochure for service area) Plan Brochure PDF
[518 KB]
Go. Go.
Triple S Salud, Inc. (Regional plan - see plan brochure for service area) Plan Brochure PDF
[769 KB]
Go. Go.

Thursday, November 4, 2010

Federal Dental Plan Benefits Overview

Federal Dental Insurance or Discount Dental Plan - Which is the Best Value?
So after reviewing the basic benefits offered by the Federal dental group plans there are some clear advantages of using an alternative and affordable dental discount plan like Careington Dental Plan for your family oral health care. 
  • Careington provides coverage for your entire household with no age restrictions 
  • The discount dental plans cost significantly less monthly but provide the same or better coverage for procedures like crowns and root canals.
  • The average monthly savings with a discount plan more than covers the cost of the "included" preventive procedures like cleanings by insurance plans.
  • Most insurance plans require you wait at least 24 months before your family can use the plan for orthodontic car, including braces. 
  • Discount dental plans allow for instant use for braces and typically at the same cost but without high monthly insurance premiums.
  • Careington Discount Dental actually saves you over 50 percent instantly 
Fee Schedule Comparison
The biggest challenge for Federal employees trying to evaluate the best plan is that you can't find fee schedules for the "highest allowable fee" that the plans cite in their marketing information. We tried contacting Blue Cross Blue Shield and GEHA Federal Dental Programs to get actual fee schedules for ADA coded procedures for crowns and we were unable to get an actual cost. With discount dental plans like Careington, you have access to fee schedules using their simple to use online tool. Simply enter your zip code, select a dentist and you can see the agreed upon fees before you enter their practice.




Get More Info
You can fins more info about Federal Dental Insurance Plans at www.OPM.gov. Get more information on how to get the lowest cost for dental, please go to www.BestBracesNow.com.
 

Thursday, October 28, 2010

Federal Dental Insurance Plans

Open Season for Federal Employee Dental Plans

It's 2012 Health Benefits Open Season for Federal Employees
That means it's that time of year when you can change your health benefits, including federal dental insurance from November 8, 2011 to December 12, 2011.

Reviewing Federal Dental Insurance Benefits Can be Confusing
Most Federal employees find Open Season overwhelming. Trying to compare insurance plans can be confusing and time consuming. Employees can choose from:
Best Dental Pplan for Federal Employees
Federal Employee Dental Insurance Costs Expected to Rise Again
According to the Office of Personnel Management, premiums for dental insurance will rise 3.8 percent and will average $15.33 per pay period for an individual, $30.06 for self plus one and $43.85 for family plans. Vision insurance will go up 3 percent, costing individuals an average of $4.78 per pay period, self plus one enrollees $9.55 and family users $14.11. Dental premiums increased 4.2 percent and vision 2.4 percent in 2010. This year, costs are expected to rise again. Compare for yourself - OPM Dental Plan Premiums

Federal Employee Dental Benefits - Not a Good Value
Simple analysis shows that after adding premiums, factoring that most plans only pay up to 50% of procedures like crowns and root canals, discount plans are much more economical.


Careington Dental Plan - Simple & Affordable Alternative to Federal  Dental Insurance
The Careington Dental Plan is an excellent alternative to costly and complex Federal dental insurance. The Careington Dental Plan is not insurance ... it's a simple to use discount plan that cost a fraction of the monthly premium of Federal dental plan while typically providing you better overall savings on most dental procedures annually for you and your family.


Families and Companies are Saving More Money with Dental Discount Plans
Research shows that everyday, more families and businesses are making the switch from costly and confusing traditional insurance to simple to use discount dental plans – it’s typically more cost efficient, gives you more choices and saves you more money instantly. 


It’s Simple Math
We evaluated typical insurance industry averages with the top rated Careington Dental Plan and the savings are easy to understand.


Insurance Plan vs. Careington Discount Plan
PROVIDER
MONTHLY COST (family)
Deductible
Co-Pays
Waiting Period
Discount % on Root Canal
Insurance
$160.00
$100-$500
$20-$40
3-6 Months
45-60%
Careington
$  15.99
none!
none
none
65%



Advantages of Discount Dental Plans
  • Know exactly what you’ll pay upfront – No surprises in the dentist chair
  • Use Instantly … No Waiting Period - great for dental emergencies
  • No ongoing Deductible or Co-Pays
  • Choose from over 65,000 dental providers nationwide
  • Typically same or higher better savings on dental procedures such as:
    • Cleanings
    • Braces
    • Oral Surgery
    • Root Canal
    • Crowns
    • Dentures
    • Cosmetic Dentistry & More!
Get More Information on the The Best Dental Plan

Get more detail information about the Careington Discount Dental Plan at www.BestDentalNow.com ... Join today and start saving and using instantly!

Saturday, October 16, 2010

What's the cheapest way to pay for dental braces?

The Bad News - Your Child Needs Braces 
Cheapest Dental Plan for Braces
So you take your child for their 6-month dental check up and you meet with the dentist expecting to hear the typical speech about flossing and brushing but instead the dentist tells you it's time for your child to get braces. It feels like the dentist just socked you in the stomach. You hear braces and you can only think about the high cost -- "I don't have thousands of extra dollars in my budget to pay for braces ... I don't even have dental insurance" but the the dentist is starring at you asking you when to schedule the appointment with his favorite orthodontist.

Braces Cost How Much?
So you get online that night to research the cost of braces and find out that the average is $5,000 dollars. After the shock wears off you try to find a good dental insurance plan for braces. You find out that most insurance plans require that you wait 3 months after you join (while paying high premiums) before you're eligible to have them pay only 20 percent and then you get stuck paying 80 percent plus high premiums and co-pays. After hours of searching and talking to everyone you know, you come to the conclusion that you can't afford braces if you have to pay $5,000 for braces.



Get a Low Cost Dental Plan for Braces - It's Not Costly Dental Insurance
The Careington Discount Dental Plan is simple and easy to use. It's a low cost discount plan so you know exactly what you will pay for procedures. Unlike dental insurance, you don't have confusing schedules, paperwork, deductibles, co-pays and limits. You can join at www.BestBracesPlan.com. I checked out the plan online on their easy to use web site. All the information you need to review the plan is easy to find and they even have testimonials from actual members.

Know the Cost Up Front
The Careington Discount Dental Plan is one of the very few plans that lists their discounts for dental procedures so you know upfront the cost before you go to the dentist. In less than five minutes you can review how many dentists are in your area and see their price schedule for your zip code and sign up. As soon as you receive your email confirmation, you'll get your ID number. You can then start using your plan immediately ... simply use their provider search feature to find a dentist, give them your ID number and schedule your appointment ... and, most importantly, know before you sit in the chair what it will cost you -  it really is that easy!

Use Instantly & As Much as You Want
As soon as you join online, you're eligible to use Careington's discounted rates. Most dental insurance plans, require you to wait 6 to 24 months before you are eligible for their orthodontic benefits. We compared Careington Discount Plan with insurance plans like Aetna, Met Life, Delta or Blue Cross Blue Shield you get better overall savings with Careington Dental Plan for braces. Learn more here - Careington Dental Plan

Get More Info-
You can also use the plan for discounts on most dental procedures. Get more info at www.BestBracesPlan.com   -

Friday, October 15, 2010

Tips for Choosing the Best Dental Plan for Your Family

How Do I Find the Best Dental Plan for My Family?
While it may seem like a simple process, it’s difficult for most parents to filter through all the different prices, coverage options and types of plans.


It's Easy to be Overwhelmed by Too Many Choices
Best Plan for FamiliesRun an online search and you’ll get hundreds of choices and most of them will require you fill out and submit questionnaires before you get a peak at their confusing schedules. The result is you’ll have your e-mail account overwhelmed with hundreds of offers that will only further confuse you.

Start with a List of Your Needs
While there are several top rated plans, finding the best fit for your family begins with identifying your specific needs. Whether you’re purchasing a car, TV or dental plan, the approach you take is the same - make a criteria list tailored to your specific needs, budget and desires. 

For dental plans, you should answer the following questions:

  • What’s your budget - start with how much you can afford to pay in monthly fees and in dental costs 
  • What type of coverage do you need - do you just need check-ups or do you also need braces, root canals and crowns
  • When do you want to start - some plans have waiting periods for procedures 
  • Where are the participating dentists - ensure dentists and specialists are available nearby
So What are My Choices?

Traditional Dental Insurance Plans and Discount Dental Plans
Research shows that everyday, more families and businesses are making the switch from costly and confusing traditional insurance to simple to use discount dental plans – it’s typically more cost efficient, gives you more choices and saves you more money instantly.

It’s Simple Math
We evaluated typical insurance industry averages with the top rated Careington Dental Plan and the savings are easy to understand. Discount plans will save you money upfront with lower fees and you'll typically pay the same or less amount on expensive procedures like crowns and root canals.


Discount Dental Plan Comparison

Advantages of Discount Dental Plans
  • Know exactly what you’ll pay upfront – No surprises in the dentist chair
  • Use Instantly … No Waiting Period - great for dental emergencies
  • No ongoing Deductible or Co-Pays
  • Choose from over 65,000 dental providers nationwide
  • Typically same or better savings on expensive dental procedures such as fillings, extractions, crowns, dentures & root canals. 
   
Get More Information 
Get more detailed information about the Careington Discount Dental Plan at www.BestDentalnow.com