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Answers - Dental Insurance or a Discount Dental Plan? Which is a Better Deal for You?
I have people all the time who contact me wanting dental insurance. Is that what they really want or is that the only way they know to communicate that they want to save money on
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
dental work?
The last time my family was offered dental insurance we turned it down as being too expensive for the coverage given.
The plan offered to us was 56 dollars a month
The last time my family was offered dental insurance we turned it down as being too expensive for the coverage given.
The plan offered to us was 56 dollars a month
; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.
Examples of combination products may in
Examples of combination products may in
for our family and because my daughter was over 18 she was not covered. Okay, let me see: 56.00 times 12 months is 672.00 a year. The insurance had a yearly cap of 1,000.00 for th
lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.
two of us so if something developed during the year we could use up to 1,000.00 and anything beyond that came out of our pocket at full retail cost.
If we use the 1,000.00 and p
If we use the 1,000.00 and p
here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe
ay 672.00 we come out ahead by 328.00 a year. if we don’t we flushed 672.00 away. Will they fix what’s wrong with my teeth now? “No, that’s a preexisting condition you’ll have to
d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.
Combination pro
Combination pro
ay for that on your own.”
Will they cover any specialist work if my general dentist can’t fix the problem? “No the dental insurance does not cover specialty dentists.”
My though
Will they cover any specialist work if my general dentist can’t fix the problem? “No the dental insurance does not cover specialty dentists.”
My though
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
t at this point was, dental insurance it a rip-off because it doesn’t pay. Was the another alternative?
While at a trade show I met a lady who told me about Ameriplan’s® discount
While at a trade show I met a lady who told me about Ameriplan’s® discount
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
dental plan. The family plan was only 19.95 and everyone in the household was included. Even if they were not related. Had I have been single I could have bought an individual pla
nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically
n for 11.95 a month.
Well, the price was better but what did it cover?
“Since it was not insurance the way it worked was I would usually save from 25% to 80% off what the averag
Well, the price was better but what did it cover?
“Since it was not insurance the way it worked was I would usually save from 25% to 80% off what the averag
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
cost was for most procedures in a general dentists office.” What about specialists? “Yes, I could go to a specialist and I would save 25% off their regular rate for most procedur
ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi
es.”
Well what about preexisting conditions on your discount plan, are they covered? “All ongoing problems qualify for the discounts.”
For me there were no comparisons. I not on
Well what about preexisting conditions on your discount plan, are they covered? “All ongoing problems qualify for the discounts.”
For me there were no comparisons. I not on
ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.
Following aspects would a
Following aspects would a
ly signed up for the Ameriplan® but decided to get involved to market the plan.
I already had work that needed done in my mouth so my wife, kids and I all got dental work done an
I already had work that needed done in my mouth so my wife, kids and I all got dental work done an
dd to the challenges in developing combination products:
Which markets to tap where the combination products can do fairly well?
Which combination prod
Which markets to tap where the combination products can do fairly well?
Which combination prod
sure enough we saved money. During the first two years on the plan we saved over 3,000.00.
How did that work out? Well at 19.95 a month times 24 months we would have spent 478.8
How did that work out? Well at 19.95 a month times 24 months we would have spent 478.8
cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin
0 on the plan cost as a member for the two years and saved 3,000.00 plus so after the cost of 478.80 we still kept 2,521.20 plus in our pockets. For us the Ameriplan® dental plan
tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen
What would be the developing cost?
How to tackle the risks encountered during combination product developmen
as a better deal than insurance.
In addition to the dental plan Ameriplan® gave us three other benefit plans at no charge since we bought the dental plan. They were a discount pr
In addition to the dental plan Ameriplan® gave us three other benefit plans at no charge since we bought the dental plan. They were a discount pr
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
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
escription plan, a discount on eyeglasses and exams and last of all a discount chiropractic plan.
We used all those discounts as well. I imagine we probably saved over a thousand
We used all those discounts as well. I imagine we probably saved over a thousand
ping new procedures for reviewing their safety, efficacy and quality.
Professional from academic institutions, pharmaceutical industries, health care indust
Professional from academic institutions, pharmaceutical industries, health care indust
dollars that first two years on the free benefits.
Well, now it’s 9 years later and we’ve saved thousands more on the benefits. I could go on and give you a chart comparing insur
Well, now it’s 9 years later and we’ve saved thousands more on the benefits. I could go on and give you a chart comparing insur
y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products
ance and discount dental, but it seems simple to me.
Insurance has lots of limitations and gotcha’s. Ameriplan®’s discount dental plan does not. Why is that? Simply a different p
Insurance has lots of limitations and gotcha’s. Ameriplan®’s discount dental plan does not. Why is that? Simply a different p
.
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
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
ilosophy. With insurance the insurance company wants to restrict you from using their plan, so they do not have to pay.
With Ameriplan® they have a direct contract with their den
With Ameriplan® they have a direct contract with their den
elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.
Companies that provide selfless information through particip
Companies that provide selfless information through particip
tists and their dentists want you to come in and use the services. This is how they fill up their appointment book. The dentist knows they can’t make any money if a chair is empty
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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