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Florida Dental Insurance - Compare
Dental Plan (CAREINGTON Plan 501 for Florida) vs. Dental Insurance ("Secure ClassicOne"), here's a quick comparison of dental saving options for individuals and families.
| Feature | *Dental Plan CAREINGTON Plan 501 (Florida) |
*Dental Insurance Secure ClassicOne |
| Sample Monthly Cost |
Individual - $6.95 | Individual - $22.00 to $34.00 (varies by Zip Code) |
| Dentists | Must use plan network dentists. | May use any dentist (except orthodontics). |
| Benefits | Published discounted fees. 20% to 60% off most procedures. |
Up to $750 per year, subject to deductible, coinsurance, and maximum allowable charges. |
| Waiting Period for Benefits | No waits! Existing conditions accepted immediately (except dental work actually in progress). | No wait for preventative (cleaning). 6 month wait for basic (fillings). 12 month wait for major (dentures). |
| Deductible | No deductible. Full discounts apply immediately. |
$100 lifetime deductible. |
| Feature | *Dental Plan CAREINGTON Plan 501 (Florida) |
*Dental Insurance Secure ClassicOne |
| Annual Benefit Limit | No limit. Members have unlimited use of plan. |
$750 annual limit (Higher option, $1250 annual limit) |
| Claim Forms Needed? |
No | Yes |
| How Quickly Can You Begin? | You may begin immediately (backdated to 1st of this month), or the first of next month. |
Begins the 1st of the month following receipt of application and payment. |
| Monthly Payment option available? | Yes | Yes |
| Age Limits | All ages accepted. (Child alone OK. No upper age limit for seniors.) |
Age 18 through age 64 1/2. Child under 18 may join with parent |
Dental Insurance - the primary advantage is (normally) you can go to any dentist for covered dental services. The disadvantages are - higher monthly cost, long waiting periods for services (except preventative), claims paperwork, deductibles, re-imbursements based on "maximum allowable charges," and an annual limit on insurance benefits.
Dental Plan - the main disadvantage is that you must use plan dentists for benefits. The advantages are that you may begin immediately, no waiting periods for services, existing conditions are accepted immediately, low cost, no paperwork, and no annual limits.
Summary...
For individuals and families, it is rare to come out "ahead" with dental insurance. Simply put, no insurance company can stay in business for long by paying out more in insurance benefits than it collects in premium. Normally, if you have a suitable selection of plan dentists in your area, a good dental plan is your fastest and most efficient way to meaningful dental savings.
*Dental Plan operated by CAREINGTON International Corporation, Frisco, Texas.
*Dental insurance insured by Standard Security Life Insurance Company of New York.
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Dental Insurance
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