On top of the $400 premium, an insured person is required to pay a $50 annual deductible -- plus up to
90% of the dentist’s charges, depending upon the procedure involved.
FACT’s managing director, Vicki Rolens, says: “It is very difficult for insurers to offer dental insurance
on a profitable basis without charging premiums that are beyond the value of the coverage offered. The
main problem seems to be that consumers don’t buy dental insurance until the know they need a
dentist’s services ... an insurer must therefore design and rate a policy with the near-certainty that
significant claims will be quickly forthcoming.
“From what we’ve seen, such insurance often represents a ‘trading-dollars’
insureds’ premiums are equal to (or more than!) the benefits provided.”
For many individuals and families, according to Ms. Rolens, a sound discount dental plan may represent
a better choice. As opposed to dental insurance, a discount plan seldom has any deductibles, waiting
periods or annual maximums to worry about, but can save the consumer as much as 35% on his or her
dental bills.
“There are several discount dental plans available,” says Ms. Rolens. “most of which can be purchased
for between $105 and $200 per year. However ...
“FACT members can take advantage of a well-established dental discount program for free. The
Program is one of the best we’ve seen,” Ms. Rolens states, “and the entire cost is included in the
member’s $36-a-year FACT dues!”
The dental discount program is one of 30+ benefits which FACT provides. These benefits range from
medical insurance and prescription drug savings to timely consumer information and financial
assistance . The association was formed nearly a quarter-century ago, and currently serves more than 1
million consumers nationwide.
