Top 5 Reasons to Use AmeriPlan Dental / Health Programs

November 26, 2008

Top 5 Reasons to Use a Discount Dental and Medical Plan If You Don’t Have Dental Or Health Insurance
By Clarence Fisher

Discount dental and medical programs are becoming better known each day. Mainly due to the five reasons we’ve listed below. When these plans first hit the market, consumers were expectantly leery of them because, as Americans, we’re trained to think in “insurance” terms. We couldn’t't wrap our minds around “discount” plans. The more we learned about them the more attractive they began to look. Especially if…

1. You can’t qualify for traditional dental or health insurance.

This one should be a given but you’d be amazed how many of us refuse to come to reality and admit we can’t qualify for coverage. We apply to company after company and either get declined or offered a policy with so many exclusions we may as well not be covered anyway.

2. Acceptance is guaranteed.

One of the beauties of discount dental and medical plans is everyone gets accepted. The companies administering the plans are usually not health organizations therefore they do not offer health insurance policies. Simply discounts on dental and/or medical services.

3. You can’t afford traditional dental or health insurance.

Here’s another personal shortcoming that we must own up to. If you can’t afford it, you can’t afford it. Don’t go without assistance because you’re trying to hold out for the “real deal”. Traditional insurance plans are expensive and premiums are increasing by 20% each year.

4. Something is better than nothing.

Today more and more people are losing their health insurance because they simply can’t pay the premiums any longer. If you have a fairly healthy family, at very least you should have a medical discount card in your wallet or purse. You’ll only use it when you need it. The plan will include your entire household for a fraction of the cost of a traditional plan and when you do need it you’ll get your services at a discounted rate. Win-win.

5. No waiting period

Most discount dental and medical plan organizations will allow you to use your benefit cards within 2-3 days from the day you sign up. This means if you have a procedure that you needed done yesterday you can easily have it done the day after tomorrow at a discounted rate. That’s winning.

Times are changing. Traditional health insurance companies are pricing their plans so they will soon be out of reach for the average American family while Discount Medical Program Organizations are getting better by the minute. Adding more benefits, features and often times delivering unbelievable discounts to the 40 million uninsured Americans at a fraction of the cost of their “insurance counterparts. They are worth looking into.

Clarence Fisher,”The Dental Plan Man” has been an AmeriPlan Independent Business Owner for over 4 years. He’s helped hundreds of families and businesses achieve their health care goals. For a free video report “How to save the most money possible with AmeriPlan Dental and AmeriPlan Health Programs visit http://www.TheDentalPlanMan.com

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Who Is AmeriPlan?

November 19, 2008

With everything going on in the Country today concerning health care more and more people are searching for an alternative to expensive dental and health insurance plans.  The buzz word of today seems to be “AmeriPlan”.  The first question that comes up is… “Who is AmeriPlan?”  I explain in this video.

Visit www.TheDentalPlanMan.comto learn more and get our free report “How to Save the Most with AmeriPlan”

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