Monday, January 21, 2019

Why co-payment for dental insurance more expensive than health insurance?

November 20, 2012 by  
Filed under Medical Insurance

question 2fine4u : Why co-pay for dental insurance more expensive than health insurance I compar? the co pays on several r? could?’re dental insurance companies and it is tr? expensive. Many things are not covered, m? With me the best dental insurance. Health insurance usually pay $ 10 for co m? Physicians and primary care pay 35-50 dollars for co m? Doctors sp? Cialis? S. Is there a reason why dental insurance co pay is as expensive as it is? Better r? Response: R? Response

by Jennifer

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5 Responses to “Why co-payment for dental insurance more expensive than health insurance?”
  1. ISOintelligentlife says:

    Actually, the only time the copays are so low for health insurance is when you’re dealing with those high-dollar plans provided by a lot of employers. (At least those are the types of plans that were provided be employers in the past; that’s changing significantly because of the cost involved.) Trust me, these are FAR from the “norm.”

    As for dental insurance, the fact is that there are nearly as many organized networks for dental providers as there are for medical providers (where belonging to as many networks as possible is the best way to ensure you keep new clients coming in to your practice.) Dental insurance, by comparison to what you pay for medical coverage (particularly of the variety you mention) is also CHEAP. And I don’t know very many people who would pay triple the price for dental insurance so they could get the $10 copay. In the end, it’s really that simple.

  2. Mike says:

    Because the cost of dental insurance is usually so low….

  3. Melissa says:

    Generally, people don’t buy dental insurance unless they are going to have extensive work done so it’s a heavily used product. Unlike medical, people can put off having dental work done (except emergencies) so it’s easier to plan to be insured when it’s needed and that throws off the “unknown” that is usually a part of insurance purchases. So, it’s priced and copays set with a little more cost shifted to the consumer.

  4. LI Guy says:

    Generally speaking people go to the dentist more than they do a general doctor. Most dental plans cover 2 visits a year. I have not been to the docter in over 2 years.

  5. Christie says:

    You’re wrong about medical copays. Some are still $10, but most copays have been getting higher and higher. Currently, I’m paying a $25 copay, and I have excellent health insurance.

    Typically there are no “copays” with dental coverage. You would be covered at 100% for preventative services, with no deductible. Basic restorative services are subject to deductible (usually around $50) and then paid at 80%, so you owe the remaining 20%. Major services are also subject to deductible, and then payable at 50%.

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