Clarence Fisher, Jr.
National Benefits Consultant
AmeriPlan, Independent Business Owner
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Are there any exclusions and/or limitations with AmeriPlan Dental?
October 28, 2008
Most everyone who’s ever talked with an AmeriPlan Independent Business Owner (IBO) about the AmeriPlan dental discount program has heard them, without hesitation say, “Oh, no! There are no limits or exclusions everything is covered!” This urks me a little. Firts of all, AmeriPlan doesn’t “cover” anything. AmeriPlan is NOT insurance and doesn’t reimburse you or the dentist anything. Secondly, there are no limitations on your visits or your age but there definately are a few limitations and exclusion. This is one of the main reasons you need to make sure you speak and work with an Ameriplan IBO that knows what they’re talking about.
Not all the time, but most, the IBO’s that have been around for a while have either been “scolded” by corporate at one time or another for using the wrong lingo, promising what we can do, or just flat out lying to people just to get their business or have figured out that telling people the “truth” so they know what they’re getting will keep them on the books for years to come versus months… or worse… days.
There I go ranting again. Back to the question ”Are there any exclusions and/or limitations with the AmeriPlan Dental program. In a word. Yes…
Not many though. Here they are:
- Services for injuries or conditions that are covered under Worker’s Compensation or Employers Liability Laws (No discounts available there)
- Cost of dental care covered under automobile, medical, no fault or similar type insurance. (again, can’t have your cake and eat it too) NOTE: Where did that saying originate anyway… someone google it and let me know.
- Services that cannot be performed because of the general health of the patient.
- Any hospital or medical charges of any kind, except for general anesthesia, performed in a dental office. (You’ll need the AmeriPlan Health program for that)
- Reimbursement for dental procedures performed by an out-of-network dental office. (Make sure the specialist your dentist wants to refer you to accepts AmeriPlan Dental as well. If he/she doesn’t, call AmeriPlan customer service. If we can’t get them on… Find a different specialist. They’re loss)
- Reduced fees will not be honored if dental treatment is already in progress or if the patient’s membership is no longer valid.
- Any member accepted for orthodontic treatment through the AmeriPlan Dental Plan must remain a member for the full duration of their treatment or risk additional charges from their AmeriPlan Dental Provider. (Don’t eat and run! You must keep the plan to keep the discount)
- A patient’s existing dental or medical condition may neccessitate extra precautionary procedures and require additional charges.
- Any treatment not specifically included in the skill and learning of the AmeriPlan Dental Provider.
- Discount on dentist’s cost of implant fixtures. (You can’t get them any cheaper than the Doc does.)
Can you remember those? okay pop quiz. Get this right and class is over for the day.
Ready?
Here it is… AmeriPlan Discount Programs are NOT_____________! Right these discounts are not insurance. They are an affordable plan that makes it affordable to see the dentist or physician.
For more information and updats on real people saving real money with AmeriPlan Dental visit www.TheDentalPlanMan.com
