Re-consider Physicians' Mutual's Dental Insurance Plan

By
Real Estate Services with William S. Cherry & No Co., Wealth Coach

Sometimes I make mistakes that are beyond my belief.

Hearing radio commercials on my favorite talk station for Physicians’ Mutual Insurance Co.’s dental insurance plan, Patty and I signed up.

Recently we both had our teeth cleaned and the first visit, state-required x-rays done.

Physicians’ Mutual Insurance Co.’s dental plan is generously paying a grand total of $110.00 leaving us with a balance due our dentist of $474.00

One procedure that Physicians’ Mutual declined entirely is called “debridement.”  I’ve never heard of it, so I looked it up.  It’s the scraping of the plaque that has accumulated on the teeth and around the gums.  It’s the integral part of the teeth cleaning procedure.

We would have been smarter to self-insure, and that is what we will do from this point forward.

BILL CHERRY, REAL ESTATE BROKER

Dallas - Park Cities

Since 1964

214 503-8563

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Comments 3 New Comment

Ambassador
1,304,124
Jon Zolsky
Selling Daytona paradise for heavenly good prices
Daytona Condo Realty, 386-405-4408

So wonderful. They pay for cleaning, but they decided not to include an integral part of cleaning. Luckily for them, it has a name, and the name is not "cleaning", it is "debridement"... Geez, what a story

May 29, 2012 08:11 PM
Rainmaker
218,123
Bill Roberts
"Baby Boomer" Retirement Planner
Brooks and Dunphy Real Estate

Hi Bill, we have "good" dental insurance (Met Life) and there is a lot they don't pay for or don't pay enough. The clerk at the dentist's office suggested that we gat an additional polict from another company. If we collect from both we would come close to having the kind of coverage we have come to expect. We don't have these issues with Blue Cross/Blue Shield.

Bill Roberts

June 18, 2012 05:28 PM
Rainmaker
508,992
Wayne Johnson
San Antonio REALTOR, San Antonio Homes For Sale
Coldwell Banker D'Ann Harper REALTORS®

Bill-There is so much about insurance that buyer's don't know or understand. I guess the company's that provide coverage don't make their commission structures attractive enough to have agents/sales people to help with the plans. Or maybe they like it like this since the payouts being low relative to premiums it's a better financial deal for them.

June 19, 2012 09:04 PM
Rainmaker
316,050

BILL CHERRY

William S. Cherry & No Co., Wealth Coach
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