Dental Indemnity Insurance Plans?
Does anyone have experience dealing with this type of dental insurance (Dental Indemnity Insurance Plans)? How does it differ buying prescription drugs online without a prescription from regular dental insurance?
My health insurance offers it as an option, and it looks attractive to me because it allows me to go to any dentist, not just ones in their "network". However, the annual cap is $1000. The premiums end up being about $500 anyway, and I am wondering about how much of a hassle they give to people when claims are submitted. Is it even worth it?
Albert, thanks for the link. I got a quote from them. It looks like something that I might want. I am wondering though, have they raised the premium frequently? I **** when I start on something, then they keep raising the rates every 6 months.
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US $.06
If I'm buying a printer, usually I wait until its on sale for a good price. For example, this past week one of the local stores had a color laser printer for $120.
Researchers for the Good Schools Guide have calculated that extras such as uniform, lunches and insurance can add five to 15 per cent to the quoted fees.
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It depends on the state.
You can deduct the premiums on your federal return unless you paid them with pre-tax money like from a company's section 125 cafe benefits plan. You can only deduct them if they were after tax which usually means you wrote a check for them. The go on Schedule A as a medical expense.
This is not the American model. Insurance companies get majority of there money from the healthy and when a healthy person gets sick they get dropped.
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