Dental Insurance opinions regarding dental complaints.
I need some advise. A few months ago I bought a dental insurance plan for myself and my daughter who is ten. I picked the plan I did because it had my daughter’s dentist in their PPO network. Now my daugheter needs to have a two large size fillings done.
However the dental office staffing just told me that I do not have coverage for the filling needed for anoher three months. Do to some waiting periods. I did not know about any waiting periods. So I called my dental insurance company and was told that I have six motnhs on basic dental services and a twelve month waiting period for majors.
That means my daughter will not be able to get her filling for about another three months. Unless I pay for the cost out of my pocket. I am upset what is the point of having dental insurance if they make you wait for all your important dental needs. Who can I complain to about this?
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Tuesday, Aug. 24th 2010 12:00 PM at 12:00 pm
Unless you go back to where you first bought the plan and the waiting periods where not fully disclosed to you at the time then the only one you can complain to is yourself.
Most PPO dental plans will have waiting periods if you bough the plan on line go back to the web site and see if you just did not read or if it is not disclosed.
More then likely you may just not have read it. However, saying that the waiting periods were not disclosed then you would be able to complain to the department of insurance about the web site lack of disclosure of the dental insurance plan you bought.
Tuesday, Aug. 24th 2010 12:08 PM at 12:08 pm
Speaking from my own personal experience people seem not to fully read the information that is provided to them.
In the old days you would get the plans packet information in the mail with a paper application and you would nit pick it to death (which is good)
For some reason when some people get on line and buy things they do so without reading anything or even knowing what it is they are buying.
I am not saying this is you only it happen often. So before complaining to anyone about this issue go back and make sure you are correct. It sucks when someone points it out and it is in bold print.