Answers - Insurance

You're looking to save money on your dental bills. But will dental insurance or a discount dental plan save you the most

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

money? Here's a comparison that will show you which one is best for you.

Dental Insurance Plans

With dental in

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

urance you pay a monthly premium for which you receive dental work. The plan provider reimburses your dentist for part o

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

f the work, usually 50% to 80%, then you're responsible for paying the rest.

Insurance plans usually have a set deducti

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

le and limits on the amount of services you can receive within a given year. There are also waiting periods of 3 to 12 m

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

onths before you can receive dental treatment, and preexisting conditions are not covered.

Premiums for one person aver

ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc

ge out to $200 to $500 per year, and you can choose your own dentist.

Discount Dental Plans

With discount denta

easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

l plans you pay a yearly premium for which you receive 10% to 60% discounts on all your dental work. There are no waitin

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

periods before you can see a dentist or dental specialist, and preexisting conditions are covered. You can see a dentis

and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ

t within one to three days after joining a plan and get all the dental work you need.

Discount dental plans have no lim

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

ts on the amount of work you can have done, and there are no deductibles. There are no form-filling and paperwork hassle

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

s like there are with dental insurance, and discount dental plans cover cosmetic dentistry which dental insurance doesn'

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

.

With these plans you can choose from over thirty nationwide networks, and more than 100,000 dentists and dental speci

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

alists. Premiums for one person start at $80 a year.

Bottom Line

Last year I needed two fillings, two root cana

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

s, and a number of crowns replaced. When I checked out dental insurance plans I found that none of the work I needed was

t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel

covered. In addition, I would have to wait for six months before I could get any other work done, and the yearly premiu

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

was $420.

I then took a look a discount dental plans. What a difference!

All of the work I needed was covered, I was

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

able to see a dentist the same week I signed up for the plan, and my initial exam was free. Not only did I save more tha

.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de

$2,500, but I found a dentist who was virtually painless, and who took the time to explain every procedure.

If you nee

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

d work now or in the future and want to save a lot of money on your dental work, discount dental plans are the way to go

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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Answers - Dental Insurance vs. Discount Dental Plans - Which is Best?

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