Episode Transcript
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Speaker 1 (00:06):
Hi, It's Ryan Thomas here with John Rolman from Cover.
Since you doing a little thing we call rethink healthcare together.
I host a fifty five Carecy Warner show Monday through Friday.
But I'd like to talk insurance with John Rolman. It's
always fascinating in spite of the subject matter. You think insurance,
Are you kidding me? But this is this is a
different way of looking at insurance coverage, generally talking medical insurance.
(00:27):
And as I always like to point out at the outset,
John and the team had covered. Since you work with
hundreds of insurance companies and they have access to thousands
of policies, and what they do is look at where
you are in your life any given point in time,
things can be different. But prepare a package of insurance
policy that provides you with better overall medical insurance coverage
like dollar one coverage, so you don't have to dig
(00:49):
down deep in your pocket and pay out of pocket expenses,
and it comes at a significant cost saving, so you
can save money while at the same time enjoy better
medical insurance benefits. Boiled down, that's what the bottom line is.
And to reach them, and you're gonna want to do
it no obligation for you. They work for you. They
won't sell your information to anyone. So it's worth having
(01:09):
him check out and the team checkout where you are
to find out if there's a better path for you.
That number is five to one three eight hundred call
five one three eight hundred two two five five, or
you can choose the alternative go to cover. Since he
dot com as a form online at the website, you
can complete that form. Uh so, welcome back, John. It's
always a pleasure to see you.
Speaker 2 (01:29):
Oh you two. Good morning bron Dental. Yeah, I don't
recall us.
Speaker 1 (01:34):
And all the time we've been doing this doing like
a deep dive into dental insurance. A little alliteration there,
deep dive dental. Yeah, but you also do dental insurance.
I know that because my friend Jeff, who you insured
his entire company, was so pleased with that. He even
emailed me and said, I'm going back to talk to
him about dental insurance.
Speaker 2 (01:52):
Oh. He was absolutely thrilled because the plan that they
were on previously he had all kinds of problems. Most
of the people that were as employees had issues with,
you know, not accepting at their dentists like that, and
we basically looked at his plan. I was like, Jeff
was like, let's let's not overthink because I literally put
in one of the best dental plans and he was like,
I went absolutely thrilled. It worked exactly like you said,
(02:13):
this is this is this is exactly what I wanted,
right Yeah, And he's like, it's this is too good
to be true. I mean that's really been his sort
of across the board reaction to work it with you
and the team at Cover Sincy. Yeah, that was it.
I would say that was the biggest objection we ran
into overall with that group, because you know, everything we
did from the top down. He was just like, I
don't understand why no one's presented to me this option ever,
(02:36):
Like why the thirty years I've been paying for health
insurance I not see this. I was like, well, I
guess it's better better late than never, exactly.
Speaker 1 (02:43):
But see, that's why I always say, you know, do
yourself the service and get in touch with the cover
sincey to find out because this is a different way
to skin a cat, and everybody's used to working with
the one insurance company. So I'm sure Jeff had that
one insurance Cobdy come into a dog and pony show
about this EP or this HMO one umbrella with one
insurance company, they don't have any incentive to sell anything
(03:05):
else because it's the insurance company they work for. And
contrast that with the broker model, where you are talking
with all of those insurance companies out in the world,
where you have, you know, about these different policies and
plans that are out there that isn't going to see
the light of day when that one dog and pony
show comes in and talks to the employer or individuals,
the case may be.
Speaker 2 (03:24):
Well, absolutely, and you know, dealing with one insurance company,
we say this a lot on the show. It's not
every insurance company you know has the best product in
every category, right, maybe the right health plan, but you
know what about that life insurance You're overpaying with them.
And you know, now you decide to go with XYZ
(03:45):
insurance company and they sold you in the dental plan,
You're like, man, this is not as good as the
last one, you know, I mean, you know, and that's
the benefit of working with us, you know, in our
team is you know, we can literally piecemeal everything together,
you know, I always say. It's like literally going to
a car dealership and going I love that Dodge interior.
I want that Ford motor But man, that's Chevy with
(04:06):
that new tailgate that has like four ways that it
breaks down, Like I wish I can have a truck
like that. That's literally what we build for clients. I
can put a whole hodgepodge of different insurance companies together
and build you out the package you actually need and want.
Speaker 1 (04:21):
Yeah, and I'm hand to god truth I've had. Jeff's
not the only guy I know. I mentioned him, but he,
I mean, he went full on like everything that's you provide.
I think he ended up going with much of the
satisfaction as employees. But a lot of my listeners have
gotten back to me so like, oh my god, I'm
so happy I made the call. Like my neighbors, for example,
he saved him five hundred and six hundred bucks a month.
(04:44):
They were so ecstatic about that because they took early retirements.
Life was in a different place. So anyway, make that call.
Five one three eight hundred two two five five. Now
moving over to the dental. First off, the importance of
dental insurance. I mean, I know I go regularly to
the dentist. I know how important it is, you know,
but I'm I'm not. I actually enjoy going to the dentist,
(05:06):
and a lot of people hate it, like, oh my god,
I hate the dentists. But you know, I feel so
good coming out refreshed. Might I get a good check up,
and it gives me peace of mind.
Speaker 2 (05:14):
But it is important, you know, we talk about this
especially with employers, right, I mean, you know, dental issues
are you know, one of the main reasons that people
miss work. I mean I've literally had an employee when
the last two years, had a major dental issue in
time well from work had to get taken out. Like
there's you know, our you know, my employees talk for
a living and then if their mouth is all all
(05:36):
sewed up and everything, I mean they're not They're down
for a couple of days. And you know, those are
things that can be prevented up front. You know, you
have to understand that most people, if they don't have
dental insurance, right, they're gonna be less likely to use
it or even go be costly.
Speaker 1 (05:51):
You know, I mean, it's not an inexpensive service, It's
it's worth every penny from my perspective. But you know,
you're you're gonna pay out a pocket if you don't
need insurance.
Speaker 2 (06:00):
Oh absolutely, And you know, and you know for most
people to go, well, all I ever do is is
just teeth cleanings, right, all right, that's all I ever do.
I'm just I'm going there. I get my X rays
once a year, I get my teeth cleanings. You know,
why do I need dental insurance? You know, because it's
the same process of health insurance, right, If all you're
gonna go every year is like maybe one doctor visit
(06:20):
and have a physical, why buy health insurance. You're paying
thousands and thousands of dollars a year for health insurance.
If you can guarantee the only thing you're gonna do
is get a physical and maybe one science infection a year,
don't buy it. Well, we don't have a magic eight ball.
I can't just rub that ball and go, Brian, Look,
you're not gonna have You're not gonna be in the
hospital for the next twenty years. Don't buy insurance. It's
all we don't know what's gonna happen. And that's why
(06:43):
it's so important to really talk about it, you know,
especially as a someone with a family, you know, that's
very important with kids, you know, you know, as an adult.
I mean, you know, I just told my son he
has a little chip in his tooth. I'm like, you
do realize that's a permanent tooth. We're gonna to eventually
get that fix, you know, because this is the last
set you'll ever have, yeah, you know. And it's like
there's no third tooth coming in anytime, not a shark,
(07:05):
just replace it as we go. So it just is
just so important, you know, overall, and really just kind
of you know, the purpose of today's you know segment
is really getting a better understanding of insurance. I feel
like a lot of people don't really understand how dental
insurance even works. You know. They feel like, oh, I
just got a plan and you know, just I'll kind
of segue this. I was very hesitant for a long
(07:27):
time selling dental insurance. I you know, when I first
got into the business, we had a couple of carriers,
and I would put clients with us like this is
a really good plan, you know, but then you know
they would go into a situation maybe at a network
or just have something done immediately. That's not covered because
of waiting periods, and you know, even though you explain
it to them, you know, most people absorb like twenty
percent of what I'm telling out of the game, right,
(07:50):
and they go, well, I'm I won to use my
insurance for the first time eight months into this, and
it didn't really pay out the way I want. So
it's the only thing I ended up using out of
everything you sold me. And if this this is as
bad as I see it, I'm canceling everything else. So
I'm like, why am I selling something that it's very
hard for people to kind of understand, and then they
think everything else I sold them is going to work
(08:11):
just like the experience that I had, So I stopped
doing it. I understand that. And then we actually brought
someone in. One of my one of my agents, used
to work for a dental practice, one of the top
dental practices in the United States, and she was the
office manager, and she just basically hit me over the
head and goes, John, these are the plans you need
to look at. These are the best plans out there.
(08:32):
You should offer these to your clients. And then I
took her advice and now it's you know, for the
last ten years or whatever it's been. It's been a phenomenal thing.
We've been able to help so many people, and it
renewed my faith in it and because I had to
be sold on it too well.
Speaker 1 (08:46):
I mean, even if you're just doing the annual cleanings
or twice annual cleanings, the x rays, I mean, they're
gonna have do the x rays to find out if
there's something going on inside that you might not be
aware of. That's important and that can add significant cost
to the to the to the bill. The chip too,
got to have that fixed, and they're going to be expensive.
(09:06):
I mean, there's a lot of things that can really
just like, oh my god, I didn't realize I was
gonna have to pay for this.
Speaker 2 (09:11):
Oh. Absolutely, So I mean just kind of over understanding,
you know, dental insurance in general and really what it covers.
You know, again, for most of us, it's it's the exams, right,
it's the teeth cleanings, like you mentioned, the x rays.
Now they do these, you know, they've been doing panoramics
for years, right, So there's a lot of costs that
come into this. And you know, someone that you know
without insurance at all, you know, you can be expecting
(09:34):
to pay anywhere from one hundred to two hundred dollars
if not more, per visit, right, and if you're doing
the recommended twice a year, right, so you're now you're
talking two four or five hundred dollars a year just
in costs. And that's just on what you're supposed to
be doing. That has nothing to do with if something
happens in the future like.
Speaker 1 (09:51):
A filling, even like a filling, right, which, look, we
found a cavity, So there's the bill goes up.
Speaker 2 (09:56):
Yeah, there are are you going to push that off? Right?
Because you don't have dental insurance. I can't afford that
right now, I'm going to push it off. And now
it becomes worse. And now they get to pull the
tooth and now you root canal, you know. So there's
so many expenses that kind of come, you know with this,
And of course the medical side is absolutely insane. You know.
I've had I've had clients literally have dental issues and
(10:18):
now they're having other things. You know. I had a
friend of our family that end up having some sort
of abscess and I guess got into the bloodstream and
actually went to their heart. Anything that's happening in that
system could drastically affect you health wise. So again it's
it's all about, like we always talk about prevention, having
the right things in play, and just kind of making
(10:39):
sure that, again, you're in a right position out of
the gate. So that is not a question of hey,
do I need to get this done right? We always
talk about that, I want to make sure you have
everything in line so that when that comes around, you
can do it because you have the cover just going
to do it for you and you don't have the
second guess or make health care decision based upon your finances.
Speaker 1 (11:02):
All right, So considering now you've convinced her one and
maybe a great idea to considered medical or dental insurance
rather what types of plans are out there and what
are the differences between them.
Speaker 2 (11:10):
Yeah, so basically, you know, this is really important for
people to kind of understand, you know, you know, just
like health insurance, there's there's different levels, you know, and
we'll kind of go scale up from what I consider
the bottom option. So like you have HMOs, you have
what's called you know, PPOs if you're familiar with that,
or segments we talk about with health insurance are very similar,
and then you have something called you know, indemnity plans,
(11:33):
just like the health insurance side, right, so HMOs are
gonna be your most restrictive. You know, don't buy an
HMO if your doctor is not a network because basically
it's not gonna say anything completely. So you're going to
see a lot of these, especially on the ACA Obamacare plans.
People I get people all the time go, oh, I
just bought my dental plan through the ACA fans. That's
(11:53):
probably not the best option. We should probably look at
another option because it is so restrictive. You know, if
you're going to go to one of those big box
dental places, usually they're a network, but you know, any
of these private practice dentists, they're not going to be
in those networks. They're not gonna accept the low reimbursement
rate that they're going to give them, so you get
to be very careful with that. And then, like I said,
(12:13):
always usually on the Medicare advantage side, it's basically the
same boat. And it's why a lot of people typically
have negative experiences with dental because they're at a network
and then they realize, oh, it paid nothing for everything
that I did. I wasn't aware of that. The other
option you can do, like I said, the next best option,
and one of the premier plans is your PPO options,
(12:34):
which of course you can go out of network for.
But the biggest thing here that most people don't understand
is they always go, well, I had dental insurance and
it paid something, but not very much, and I'm still
getting a bill, right because number one, your dentist wasn't
a network, right, so they don't have to abide by
that negotiated rate and contract that your insurance company's actually
(12:54):
paying out for. And you know, they're basically balance billing you.
So if they're going to charge two round and fifty
dollars for your services, and your insurance pays one hundred
and twenty, which might be the real rate if you
were a network, and you probably wouldn't have been up
paying anything. If your dentist is actually contracted, well, they're
just gonna turn around and balanced billy you for one
hundred and thirty bucks. And that's the huge negative experience
that I've seen with a lot of people. You know,
(13:16):
when it comes to dental insurance. You know, this is
something I haven't really sold a whole lot of the
indemnity side, because I like the networks. I think that
works really well. But one of the groups we're actually
working with right now mentioned this, and I hadn't seen
it in a while, but he said that they have
they have a dental plan where they have to pay
everything at the dentists and then they have to process
their own claims and file for re embarrassment. And it
(13:40):
was it was kind of interesting conversation because again I'm
watching the owner explain it to his employees how their
dental plan works like, and they're like, it looks like
deer in headlights, like, so indemnity plans could be good,
especially maybe if you're seeing I mean, there's a lot
of dentists out there take no insurance, meaning they they're
not contract with anybody. They want to charge whatever they
want to charge for service, old school, be for service
(14:02):
old school, and a lot of dentists are doing that now.
So this is where an dentity plan can actually make
sense because at least they're not going to build insurance
at all, so you can go in whatever they charge,
you can at least get some money back from the insurance.
So again, just kind of understanding the dynamic of what
your situation is, who your dentist is, if that's the
most important thing that you keep them. This is why
(14:23):
dealing with a broker is so important, so that again
I can put you with the right plan. If you're
using one of these big box dental places that are
all over the country, maybe n HMO works. It's usually cheaper.
So again that's why it's so much more important to
have that conversation so that you are on the right
plan when we talk.
Speaker 1 (14:40):
All right, So you guy, I like that you guide
the people through the process because obviously they're not thinking
about all these different avenues and issues. So do you
have your own dentists? What kind of dentist is it?
Big store, box store, solo practice, et cetera. And you
would know if their specific dentist is in any netway
work or whether they were a fee for service because
(15:02):
you have resources to determine that career.
Speaker 2 (15:03):
Yeah, I mean, really, what we actually do, Brian, We
call the dentist. Well, I call it and I go,
you know, who are you in network for? They go, well,
we take all ppo plans. It's like, no, who you
contracted with? Oh, and they'll give me the insurance companies
are contracted with, and then that's the plans and I'm
gonna recommend and again that's that's a big thing on
the network side. But you know, kind of getting into
(15:24):
some more things that most people aren't aware of. And
I hit on this because it's it's so important. There's
a lot of waiting periods of dental there's a lot
of coverage gaps, there's a lot of like I said,
we mentioned network limitations. You know, many dental plans, there's
a ramp up period. Right, so you start a dental
plan right away, they're not offering you usually all the
bells and whistles day one, right, there's they're more than
(15:46):
likely they're going to cover maybe preventive care right away.
But like let's say, if you go get a filling,
they might pay less in the first year.
Speaker 1 (15:53):
Well, I kind of understand that. It's like pre existing
condition type of thing. You Well, a lot of people
will go and buy dental insurance or insurance generally after
they find out they have a problem. Yeah, and that
used to be the case with you know, the prexisting condition.
Though you were made aware by a physician that you
had fill in the blank, and I guess Obamacare kind
of got rid of the whole idea of that. But so, yeah,
(16:13):
you know, you have a cavity, and you know, I
better get dental insurance.
Speaker 2 (16:17):
Oh absolutely, And then then they're shocked when they find
out that they bought dental insurance and it paid nothing
for the root canal or ten percent because they were
within that first year window. Remember, insurance companies aren't stupid.
They know this is going to happen course, so you know.
But again, Brian, there's also plans that cover things right away.
So that's why it's so important to have those conversations
(16:38):
up front, so that we know what's going on, so that,
of course we can advise you on the best plan
and understanding you know, it might be more beneficial to
take a little bit cheaper plan that escalates more coverage
in the next couple of years if you're really not
having any dental issues right out of the gate, Because
in two or three years, maybe I do have issues,
but I didn't take the more expensive plan to cover
it right away. But now I even have more coverage
(16:59):
year three than I did at year one, which makes
more sense. Again, It's why it's so much more important
to of course have those conversations. And the other thing too,
Brian kind of getting into the importance of choosing the
right plan is you know, is the dental plan the
best for you or your dentist? And again, I mean
you said you love going and having your teeth clean.
(17:22):
I know it's an anxiety for a lot of people,
and even some people they just don't want to change
your dentists because they have had that anxiety. Like, oh,
this is a guy for twenty years. I don't like
the dentist and he makes me feel comfortable. I get
that to me, Like like with my health insurance plans,
they're all just a company to me, my dentists. I
like my dentist. But you know, if I can get
(17:43):
better coverage and cost me less, I can go somewhere else.
I'm probably gonna do it. So again, looking at and
that's a conversation I always have and anybody calls in
is do you want the best dental plan for the
best price, or do you want the best dental plan
for your dentist? And you know that's where the conversation
kind of progresses.
Speaker 1 (17:59):
Well, what about bell have families? Because you know, as
we were talking about what's covered and what's not. Now,
for example, I doubt there are dental plans to cover
cosmetic dentistry unless there's a medical necessity behind the reason
for the cosmetic dentistry, right. I know there are certain
exceptions to.
Speaker 2 (18:14):
This, Yeah, if you fell down and knock the tooth out,
or damage from an accident.
Speaker 1 (18:18):
But like orthodontia, I mean, every kid these days ends
up getting braces or you know, the plastic insert kind
of orthodontia. Can are those types of things covered or
can they be?
Speaker 2 (18:29):
Well, the biggest in kind of understanding that there are
plans that cover orthodontia. I mean, and orthodontia is very expensive.
I mean we're seeing four or five thousand dollars plus.
You know, in most cases those orthod.
Speaker 1 (18:40):
Kind of they're much better than having the railroad tracks
like I.
Speaker 2 (18:43):
Had railroad tracks. So yeah, that was fun. It's funn
eating that way. But you know, some plans cover, but
you have to understand, I mean most plans you might
get a thousand and two grand at max, So I mean,
what are they really paying thirty forty percent of what
your actual overall orthodontia bill is toughing well, of course,
but then extrapolate that to the fact that I have
three kids that might need races. You know, well that
(19:05):
plas a huge goal, that's a huge that's a huge expense,
right yeah. Uh so pre planning on that and making
sure that you have a plan that you know, if
that is the case, you know, we can make sure
it's in there. The other thing too, is you you
kind of mentioned cosmetic, right, you know, there are places
that you know, if they are in network for your
dental plan, we can at least get a discount on that. So,
you know, anything at a twenty thirty it could be
(19:28):
huge if if we set you up the right way
and joining better dental networks that have bigger discounts are
just so much more important to you because it saves
you so much more money, you know in the long run.
We do a lot of plans through Brian through plans
they are called association plans. Uh So these are pre
established group plans that are really phenomenal because they actually
(19:48):
get group ratings. So most group dental plans are actually
less expensive than a lot of the individual ones that
you pay out there, so really just kind of helping
out on you know, cost you know, keeping the premiums
down is you know a lot of things that we
help evaluate and you know, getting into some of these
group of association plans, Like that's one of the dental
plans that I have for my family. I have a
(20:09):
phenomenal dental plan that I pay probably about sixty percent
cheaper because I did it through an association. Okay.
Speaker 1 (20:16):
And something else that comes to mind along those lines. Implants.
Those can be very very pricey.
Speaker 2 (20:24):
Very pricey. I know a client to have over forty
thousand dollars in implant work done, Oh my lord. So
I mean they are absolutely out there. And listen, there
are plans that actually cover implants, not one hundred percent.
I will tell you that's not a caveat. I'm not
telling you go buy a dental plan from me tomorrow.
It's gonna give you forty thousand dollars an implant coverage.
(20:45):
But there are plans out there that will pay thousands
of dollars towards an implant. So it can help alleviate
the sting in that situation. But again, it's all about
having it ahead of time. You know. Again, this is
not something like you mentioned at the gate. You know,
don't give me a call like, hey, I'm going in
for my implant surgery tomorrow. What can you what can
you sign me up for? That's not really gonna happen.
Uh So, just kind of again making sure that's in there.
(21:07):
You know, and understand too, how coverage scales. You know,
there's things like deductibles, there's man there's max annual limits.
You know, there's shared benefits. You know, there's there's there's
things in there that are going to cost you money
if you don't understand how your dental plan works. I mean,
there's so many dental plans that I see out there
that give five hundred or one thousand dollars an annual coverage.
Well that's pretty much your preventive care. You know, don't
(21:32):
go crack a tooth or go you know, need a
root annound because you're gonna you're gonna run out of coverage.
So again it's opening up that policy, making sure that
there's enough coverage in Therefore, you know, when things do
come along down the line, why why.
Speaker 1 (21:44):
Should small businesses for example, And then it's kind of
what you focus on. You don't do groups with a
thousand people or something, but you got a small group
thirty people. You haven't traditionally provided dental. Why what's the
benefit of maybe considering providing dental and considering you point
out it is rather affordable, noting the out of pocket
expenses employees are going to be paying for their own
(22:05):
dental coverage.
Speaker 2 (22:06):
Yeah, because as an employer, you know that offers benefits
to their employees. You know, one of the things they
ask for, do you get dental insurance? And it's a
recruitment piece, right, Yeah, I can, I can. I can
absolutely hire more people because I have dental insurance. You know,
that's it's another perk that we provide to our employees.
And you know that's a big thing for employers, right,
It's it's retention. Right when people are starting to look
(22:26):
at you know what kind of package you offer and go, hey,
I'm a plumber and I'm working for this company. They
have health insurance, but this guy over here offers dental
and vision and he's got a little life insurance policy.
You're not paying much for that as an employer, but
he's seeing all the extra fringe benefits. You know, he's
gonta He's gonna start making choices on the package. The
healthcare package over where he might stay employed.
Speaker 1 (22:47):
It's definitely, it definitely all adds up. Yeah, when you
break it down like that, vision and and and dental
and health and because the out of pocket expenses, you know,
might more than adequately you know, except you set you
apart from these company that's maybe paying an extra couple
of bucks an hour but not providing any of this.
Speaker 2 (23:06):
Absolutely, But the weirdest part about it is sometimes people
take the benefits because again most employees don't know they
don't know what it actually really costs. They just know
that I'm getting it, you know, and they have this.
Speaker 1 (23:16):
Well by now. But we've talked so many times over
the weeks. We figure everybody knows what the out of
pocket is going to be. What the real cost, Yeah,
your cost of health care. It's just it's so astounding
when you put it down on paper.
Speaker 2 (23:27):
But yeah, I mean I talk to you all the time.
I talk to these groups, right, and I go in
there and have conversations with them, and I get the
feeling from the employees that they feel like the benefits
that you give them are terrible. And then I look
at the cost. I'm like, man, this guy's paying an
arm and a leg to provide benefits for you guys.
But because the coverage the way it is is not
stellar for everybody, they just think you're getting your selling
(23:49):
them garbage and your cheap skate. Yeah, and even though
you're going broke over the healthcare the insurance that you're
paying for. So again, it's like, you know, even in
this realm, it's the most employee are just never gonna
know what the actual cost is. Right, because you have
that you could you can tell them, I guess, but
most employers don't. And that's true. Yeah, is there any true.
Speaker 1 (24:10):
That they would explain that, you know, by the way,
in addition to your salary, I am covering X number
of dollars on a monthly or a.
Speaker 2 (24:18):
Yeah, I mean you can tell them me, I'm spending
three dollars extra an hour for you for your benefits. Yeah,
you know, and I guess most people will probably turn
around and go, well, give me the three bucks and
I'm gonna call John find a better plank. There is
that option.
Speaker 1 (24:30):
There is that option, right, So what else do we
need to know about dental coverage?
Speaker 2 (24:35):
Well, I just you know, kind of a couple of
really of things too, especially for families. This is where
I see it. Me, it's a no brainer. The dental
expenses for families, fluoride treatments, everything that's kind of tied
into it. You know. One of the things that we
look at is just like what their actual cost would
be for like a family of four that goes for
just two visits a year. I mean, you're gonna be
paying anywhere from probably twelve to fifteen hundred bucks a
(24:55):
year just with no insurance, right, well, extrapolate that to
what actual insurance would be on a cost basis, it's
almost a break even. And that's why I tell most people,
if you're a family of four, I can typically sell
you insurance for about what you'd be paying normally just
to go for the for the preventive care. If I
can break even on what I'm paying in premium for
(25:16):
what I'm paying just to do without insurance, like, that's
a win.
Speaker 1 (25:20):
It's a win. And then you got all those other
unknowns covered. If you do get the cabinet, absolutely do
get into wreck and the teeth get knocked out or
fill in the blank, and you can come up with
all kinds of thing.
Speaker 2 (25:33):
And the best part about a Brian family plans are fixed.
So it's just you know, I have clients that have
like eight kids, it's the same price as what I pay.
Oh really yeah, so I mean they're a head in
the preventative care. Holy cow. Yeah, most people don't even
realize that. It's like I learned something to Yeah, so
that's why I said the break even point, Like is
usually got a family of four, you you should have
dental insurance. If you have an extra kid like I do.
(25:54):
I'm actually making money the fact that I'm buying dental
insurance if I would just pay for the preventative care
out of pocket. So to me, it's it's it's just
a no brainer. And more people like I always say,
will use dental insurance if they have it, they will.
They will go to the dentists if they have the
dental insurance because they don't feel like, all right, well
I gotta go pay for this, is it? I just
wait another year and get it done. It's like, well,
(26:16):
if it's a free dental cleaning, let's do it every
six months. Yeah, you know, let's just get it done.
And it just may makes so much more sense than that,
you know, in that realm.
Speaker 1 (26:24):
All right, Well, wrapping things up and then remaining moments
of time we got here.
Speaker 2 (26:29):
Yeah, so just kind of you know, some of the
things that really just consider, you know, reach out to us,
let's have that conversation. You know better yet, even if
you're reaching out, just call your dentists and find out
who they're a network with and that way we can
have that conversation. But we offer so many different options,
you know, from individuals to add on plans to even
plans you know, if you have to. I mean, I
(26:50):
put a client last year on a root canal. They
needed a root canal, and I found out who their
dentist was, and I put them on a plan that
didn't pay anything that first year, but they got like
a forty five percent discount because they were in network
with the insurance and that provided it right away. So
don't feel like you're in left feeling, oh, this isn't
pertaining me. I have some dental issues. And again there's
(27:11):
the other thing that people don't realize. This is one
of the things that I learned is the missing tooth clause.
So if you have a missing tooth, you remember insurance
isn't going to cover that. Ever, when you start it
after the tooth is already missing, So you have to
have the missing tooth prior to the insurance being in
So don't think you're gonna have a bunch of different
missing teeth and then calling go I do these all fixed.
(27:32):
Most insurance plans will pay nothing for that, so you
can be very careful of that.
Speaker 1 (27:37):
So that is a the pre x concept exists for
the missing.
Speaker 2 (27:41):
Tooth, the missing tooth, the missing too.
Speaker 1 (27:44):
So if you're gonna have an implant to replace the
missing tooth, you're gonna pay for it in all cases.
Speaker 2 (27:50):
In all cases, that's why I can get you that discount.
So at least the discout, you get forty percent off. Yeah,
and a root cannot two grand or something. Yeah, they're
they're plurting that and then to get more and more
expensive every year.
Speaker 1 (28:01):
Oh, I imagine.
Speaker 2 (28:02):
So, and the dental plans aren't really inflating that much,
especially in our area. You know, other places in the
United States, I see dental plans that could be two
or three times more expensive. But you know, our plans
have pretty much stayed pretty pretty solid over the last
like five years, So these are really affordable plans. I
can tell you right now what I pay in dental
insurance for what my kids have done. I'm ahead, I was,
(28:23):
I'm ahead for like the next five years. Oh, it
makes so much more sense.
Speaker 1 (28:26):
Well, a real life example in John Roman from cover
Sincy Jake's advice, get some dental insurance. Contact the team
again online cover sincy dot com. We do with y
or it doesn't matter, and if you're in any of
the fifty states, he can help you out. I think
it's important to remind folks of that every week because
cover since he suggests, maybe it's just the greater Cincinnati area. No,
(28:46):
if you're listening from California or in New York. I
have a listener in New Hampshire that listens to the
program every day. I got a friend in a Mississippi
that listens to the program. Anywhere you happen to be
get in touch with the team. They can help you
out dental insurance, medical insurance, and UH life insurance as well.
Speaker 2 (29:02):
As we've learned.
Speaker 1 (29:03):
They can help you out with your Medicare issues, knowing
through the right parts to what you need to do.
So all things insurance Coversincy dot com five one three
eight hundred two two five five five one three eight
hundred call. It's been fun talking with you as always John,
this has been another edition of Rethink Healthcare together with
John Rolmant and the team and the team that covers
(29:26):
Sincy
Hi, It's Ryan Thomas here with John Rolman from Cover.
Since you doing a little thing we call rethink healthcare together.
I host a fifty five Carecy Warner show Monday through Friday.
But I'd like to talk insurance with John Rolman. It's
always fascinating in spite of the subject matter. You think insurance,
Are you kidding me? But this is this is a
different way of looking at insurance coverage, generally talking medical insurance.
(00:27):
And as I always like to point out at the outset,
John and the team had covered. Since you work with
hundreds of insurance companies and they have access to thousands
of policies, and what they do is look at where
you are in your life any given point in time,
things can be different. But prepare a package of insurance
policy that provides you with better overall medical insurance coverage
like dollar one coverage, so you don't have to dig
(00:49):
down deep in your pocket and pay out of pocket expenses,
and it comes at a significant cost saving, so you
can save money while at the same time enjoy better
medical insurance benefits. Boiled down, that's what the bottom line is.
And to reach them, and you're gonna want to do
it no obligation for you. They work for you. They
won't sell your information to anyone. So it's worth having
(01:09):
him check out and the team checkout where you are
to find out if there's a better path for you.
That number is five to one three eight hundred call
five one three eight hundred two two five five, or
you can choose the alternative go to cover. Since he
dot com as a form online at the website, you
can complete that form. Uh so, welcome back, John. It's
always a pleasure to see you.
Speaker 2 (01:29):
Oh you two. Good morning bron Dental. Yeah, I don't
recall us.
Speaker 1 (01:34):
And all the time we've been doing this doing like
a deep dive into dental insurance. A little alliteration there,
deep dive dental. Yeah, but you also do dental insurance.
I know that because my friend Jeff, who you insured
his entire company, was so pleased with that. He even
emailed me and said, I'm going back to talk to
him about dental insurance.
Speaker 2 (01:52):
Oh. He was absolutely thrilled because the plan that they
were on previously he had all kinds of problems. Most
of the people that were as employees had issues with,
you know, not accepting at their dentists like that, and
we basically looked at his plan. I was like, Jeff
was like, let's let's not overthink because I literally put
in one of the best dental plans and he was like,
I went absolutely thrilled. It worked exactly like you said,
(02:13):
this is this is this is exactly what I wanted,
right Yeah, And he's like, it's this is too good
to be true. I mean that's really been his sort
of across the board reaction to work it with you
and the team at Cover Sincy. Yeah, that was it.
I would say that was the biggest objection we ran
into overall with that group, because you know, everything we
did from the top down. He was just like, I
don't understand why no one's presented to me this option ever,
(02:36):
Like why the thirty years I've been paying for health
insurance I not see this. I was like, well, I
guess it's better better late than never, exactly.
Speaker 1 (02:43):
But see, that's why I always say, you know, do
yourself the service and get in touch with the cover
sincey to find out because this is a different way
to skin a cat, and everybody's used to working with
the one insurance company. So I'm sure Jeff had that
one insurance Cobdy come into a dog and pony show
about this EP or this HMO one umbrella with one
insurance company, they don't have any incentive to sell anything
(03:05):
else because it's the insurance company they work for. And
contrast that with the broker model, where you are talking
with all of those insurance companies out in the world,
where you have, you know, about these different policies and
plans that are out there that isn't going to see
the light of day when that one dog and pony
show comes in and talks to the employer or individuals,
the case may be.
Speaker 2 (03:24):
Well, absolutely, and you know, dealing with one insurance company,
we say this a lot on the show. It's not
every insurance company you know has the best product in
every category, right, maybe the right health plan, but you
know what about that life insurance You're overpaying with them.
And you know, now you decide to go with XYZ
(03:45):
insurance company and they sold you in the dental plan,
You're like, man, this is not as good as the
last one, you know, I mean, you know, and that's
the benefit of working with us, you know, in our
team is you know, we can literally piecemeal everything together,
you know, I always say. It's like literally going to
a car dealership and going I love that Dodge interior.
I want that Ford motor But man, that's Chevy with
(04:06):
that new tailgate that has like four ways that it
breaks down, Like I wish I can have a truck
like that. That's literally what we build for clients. I
can put a whole hodgepodge of different insurance companies together
and build you out the package you actually need and want.
Speaker 1 (04:21):
Yeah, and I'm hand to god truth I've had. Jeff's
not the only guy I know. I mentioned him, but he,
I mean, he went full on like everything that's you provide.
I think he ended up going with much of the
satisfaction as employees. But a lot of my listeners have
gotten back to me so like, oh my god, I'm
so happy I made the call. Like my neighbors, for example,
he saved him five hundred and six hundred bucks a month.
(04:44):
They were so ecstatic about that because they took early retirements.
Life was in a different place. So anyway, make that call.
Five one three eight hundred two two five five. Now
moving over to the dental. First off, the importance of
dental insurance. I mean, I know I go regularly to
the dentist. I know how important it is, you know,
but I'm I'm not. I actually enjoy going to the dentist,
(05:06):
and a lot of people hate it, like, oh my god,
I hate the dentists. But you know, I feel so
good coming out refreshed. Might I get a good check up,
and it gives me peace of mind.
Speaker 2 (05:14):
But it is important, you know, we talk about this
especially with employers, right, I mean, you know, dental issues
are you know, one of the main reasons that people
miss work. I mean I've literally had an employee when
the last two years, had a major dental issue in
time well from work had to get taken out. Like
there's you know, our you know, my employees talk for
a living and then if their mouth is all all
(05:36):
sewed up and everything, I mean they're not They're down
for a couple of days. And you know, those are
things that can be prevented up front. You know, you
have to understand that most people, if they don't have
dental insurance, right, they're gonna be less likely to use
it or even go be costly.
Speaker 1 (05:51):
You know, I mean, it's not an inexpensive service, It's
it's worth every penny from my perspective. But you know,
you're you're gonna pay out a pocket if you don't
need insurance.
Speaker 2 (06:00):
Oh absolutely, And you know, and you know for most
people to go, well, all I ever do is is
just teeth cleanings, right, all right, that's all I ever do.
I'm just I'm going there. I get my X rays
once a year, I get my teeth cleanings. You know,
why do I need dental insurance? You know, because it's
the same process of health insurance, right, If all you're
gonna go every year is like maybe one doctor visit
(06:20):
and have a physical, why buy health insurance. You're paying
thousands and thousands of dollars a year for health insurance.
If you can guarantee the only thing you're gonna do
is get a physical and maybe one science infection a year,
don't buy it. Well, we don't have a magic eight ball.
I can't just rub that ball and go, Brian, Look,
you're not gonna have You're not gonna be in the
hospital for the next twenty years. Don't buy insurance. It's
all we don't know what's gonna happen. And that's why
(06:43):
it's so important to really talk about it, you know,
especially as a someone with a family, you know, that's
very important with kids, you know, you know, as an adult.
I mean, you know, I just told my son he
has a little chip in his tooth. I'm like, you
do realize that's a permanent tooth. We're gonna to eventually
get that fix, you know, because this is the last
set you'll ever have, yeah, you know. And it's like
there's no third tooth coming in anytime, not a shark,
(07:05):
just replace it as we go. So it just is
just so important, you know, overall, and really just kind
of you know, the purpose of today's you know segment
is really getting a better understanding of insurance. I feel
like a lot of people don't really understand how dental
insurance even works. You know. They feel like, oh, I
just got a plan and you know, just I'll kind
of segue this. I was very hesitant for a long
(07:27):
time selling dental insurance. I you know, when I first
got into the business, we had a couple of carriers,
and I would put clients with us like this is
a really good plan, you know, but then you know
they would go into a situation maybe at a network
or just have something done immediately. That's not covered because
of waiting periods, and you know, even though you explain
it to them, you know, most people absorb like twenty
percent of what I'm telling out of the game, right,
(07:50):
and they go, well, I'm I won to use my
insurance for the first time eight months into this, and
it didn't really pay out the way I want. So
it's the only thing I ended up using out of
everything you sold me. And if this this is as
bad as I see it, I'm canceling everything else. So
I'm like, why am I selling something that it's very
hard for people to kind of understand, and then they
think everything else I sold them is going to work
(08:11):
just like the experience that I had, So I stopped
doing it. I understand that. And then we actually brought
someone in. One of my one of my agents, used
to work for a dental practice, one of the top
dental practices in the United States, and she was the
office manager, and she just basically hit me over the
head and goes, John, these are the plans you need
to look at. These are the best plans out there.
(08:32):
You should offer these to your clients. And then I
took her advice and now it's you know, for the
last ten years or whatever it's been. It's been a phenomenal thing.
We've been able to help so many people, and it
renewed my faith in it and because I had to
be sold on it too well.
Speaker 1 (08:46):
I mean, even if you're just doing the annual cleanings
or twice annual cleanings, the x rays, I mean, they're
gonna have do the x rays to find out if
there's something going on inside that you might not be
aware of. That's important and that can add significant cost
to the to the to the bill. The chip too,
got to have that fixed, and they're going to be expensive.
(09:06):
I mean, there's a lot of things that can really
just like, oh my god, I didn't realize I was
gonna have to pay for this.
Speaker 2 (09:11):
Oh. Absolutely, So I mean just kind of over understanding,
you know, dental insurance in general and really what it covers.
You know, again, for most of us, it's it's the exams, right,
it's the teeth cleanings, like you mentioned, the x rays.
Now they do these, you know, they've been doing panoramics
for years, right, So there's a lot of costs that
come into this. And you know, someone that you know
without insurance at all, you know, you can be expecting
(09:34):
to pay anywhere from one hundred to two hundred dollars
if not more, per visit, right, and if you're doing
the recommended twice a year, right, so you're now you're
talking two four or five hundred dollars a year just
in costs. And that's just on what you're supposed to
be doing. That has nothing to do with if something
happens in the future like.
Speaker 1 (09:51):
A filling, even like a filling, right, which, look, we
found a cavity, So there's the bill goes up.
Speaker 2 (09:56):
Yeah, there are are you going to push that off? Right?
Because you don't have dental insurance. I can't afford that
right now, I'm going to push it off. And now
it becomes worse. And now they get to pull the
tooth and now you root canal, you know. So there's
so many expenses that kind of come, you know with this,
And of course the medical side is absolutely insane. You know.
I've had I've had clients literally have dental issues and
(10:18):
now they're having other things. You know. I had a
friend of our family that end up having some sort
of abscess and I guess got into the bloodstream and
actually went to their heart. Anything that's happening in that
system could drastically affect you health wise. So again it's
it's all about, like we always talk about prevention, having
the right things in play, and just kind of making
(10:39):
sure that, again, you're in a right position out of
the gate. So that is not a question of hey,
do I need to get this done right? We always
talk about that, I want to make sure you have
everything in line so that when that comes around, you
can do it because you have the cover just going
to do it for you and you don't have the
second guess or make health care decision based upon your finances.
Speaker 1 (11:02):
All right, So considering now you've convinced her one and
maybe a great idea to considered medical or dental insurance
rather what types of plans are out there and what
are the differences between them.
Speaker 2 (11:10):
Yeah, so basically, you know, this is really important for
people to kind of understand, you know, you know, just
like health insurance, there's there's different levels, you know, and
we'll kind of go scale up from what I consider
the bottom option. So like you have HMOs, you have
what's called you know, PPOs if you're familiar with that,
or segments we talk about with health insurance are very similar,
and then you have something called you know, indemnity plans,
(11:33):
just like the health insurance side, right, so HMOs are
gonna be your most restrictive. You know, don't buy an
HMO if your doctor is not a network because basically
it's not gonna say anything completely. So you're going to
see a lot of these, especially on the ACA Obamacare plans.
People I get people all the time go, oh, I
just bought my dental plan through the ACA fans. That's
(11:53):
probably not the best option. We should probably look at
another option because it is so restrictive. You know, if
you're going to go to one of those big box
dental places, usually they're a network, but you know, any
of these private practice dentists, they're not going to be
in those networks. They're not gonna accept the low reimbursement
rate that they're going to give them, so you get
to be very careful with that. And then, like I said,
(12:13):
always usually on the Medicare advantage side, it's basically the
same boat. And it's why a lot of people typically
have negative experiences with dental because they're at a network
and then they realize, oh, it paid nothing for everything
that I did. I wasn't aware of that. The other
option you can do, like I said, the next best option,
and one of the premier plans is your PPO options,
(12:34):
which of course you can go out of network for.
But the biggest thing here that most people don't understand
is they always go, well, I had dental insurance and
it paid something, but not very much, and I'm still
getting a bill, right because number one, your dentist wasn't
a network, right, so they don't have to abide by
that negotiated rate and contract that your insurance company's actually
(12:54):
paying out for. And you know, they're basically balance billing you.
So if they're going to charge two round and fifty
dollars for your services, and your insurance pays one hundred
and twenty, which might be the real rate if you
were a network, and you probably wouldn't have been up
paying anything. If your dentist is actually contracted, well, they're
just gonna turn around and balanced billy you for one
hundred and thirty bucks. And that's the huge negative experience
that I've seen with a lot of people. You know,
(13:16):
when it comes to dental insurance. You know, this is
something I haven't really sold a whole lot of the
indemnity side, because I like the networks. I think that
works really well. But one of the groups we're actually
working with right now mentioned this, and I hadn't seen
it in a while, but he said that they have
they have a dental plan where they have to pay
everything at the dentists and then they have to process
their own claims and file for re embarrassment. And it
(13:40):
was it was kind of interesting conversation because again I'm
watching the owner explain it to his employees how their
dental plan works like, and they're like, it looks like
deer in headlights, like, so indemnity plans could be good,
especially maybe if you're seeing I mean, there's a lot
of dentists out there take no insurance, meaning they they're
not contract with anybody. They want to charge whatever they
want to charge for service, old school, be for service
(14:02):
old school, and a lot of dentists are doing that now.
So this is where an dentity plan can actually make
sense because at least they're not going to build insurance
at all, so you can go in whatever they charge,
you can at least get some money back from the insurance.
So again, just kind of understanding the dynamic of what
your situation is, who your dentist is, if that's the
most important thing that you keep them. This is why
(14:23):
dealing with a broker is so important, so that again
I can put you with the right plan. If you're
using one of these big box dental places that are
all over the country, maybe n HMO works. It's usually cheaper.
So again that's why it's so much more important to
have that conversation so that you are on the right
plan when we talk.
Speaker 1 (14:40):
All right, So you guy, I like that you guide
the people through the process because obviously they're not thinking
about all these different avenues and issues. So do you
have your own dentists? What kind of dentist is it?
Big store, box store, solo practice, et cetera. And you
would know if their specific dentist is in any netway
work or whether they were a fee for service because
(15:02):
you have resources to determine that career.
Speaker 2 (15:03):
Yeah, I mean, really, what we actually do, Brian, We
call the dentist. Well, I call it and I go,
you know, who are you in network for? They go, well,
we take all ppo plans. It's like, no, who you
contracted with? Oh, and they'll give me the insurance companies
are contracted with, and then that's the plans and I'm
gonna recommend and again that's that's a big thing on
the network side. But you know, kind of getting into
(15:24):
some more things that most people aren't aware of. And
I hit on this because it's it's so important. There's
a lot of waiting periods of dental there's a lot
of coverage gaps, there's a lot of like I said,
we mentioned network limitations. You know, many dental plans, there's
a ramp up period. Right, so you start a dental
plan right away, they're not offering you usually all the
bells and whistles day one, right, there's they're more than
(15:46):
likely they're going to cover maybe preventive care right away.
But like let's say, if you go get a filling,
they might pay less in the first year.
Speaker 1 (15:53):
Well, I kind of understand that. It's like pre existing
condition type of thing. You Well, a lot of people
will go and buy dental insurance or insurance generally after
they find out they have a problem. Yeah, and that
used to be the case with you know, the prexisting condition.
Though you were made aware by a physician that you
had fill in the blank, and I guess Obamacare kind
of got rid of the whole idea of that. But so, yeah,
(16:13):
you know, you have a cavity, and you know, I
better get dental insurance.
Speaker 2 (16:17):
Oh absolutely, And then then they're shocked when they find
out that they bought dental insurance and it paid nothing
for the root canal or ten percent because they were
within that first year window. Remember, insurance companies aren't stupid.
They know this is going to happen course, so you know.
But again, Brian, there's also plans that cover things right away.
So that's why it's so important to have those conversations
(16:38):
up front, so that we know what's going on, so that,
of course we can advise you on the best plan
and understanding you know, it might be more beneficial to
take a little bit cheaper plan that escalates more coverage
in the next couple of years if you're really not
having any dental issues right out of the gate, Because
in two or three years, maybe I do have issues,
but I didn't take the more expensive plan to cover
it right away. But now I even have more coverage
(16:59):
year three than I did at year one, which makes
more sense. Again, It's why it's so much more important
to of course have those conversations. And the other thing too,
Brian kind of getting into the importance of choosing the
right plan is you know, is the dental plan the
best for you or your dentist? And again, I mean
you said you love going and having your teeth clean.
(17:22):
I know it's an anxiety for a lot of people,
and even some people they just don't want to change
your dentists because they have had that anxiety. Like, oh,
this is a guy for twenty years. I don't like
the dentist and he makes me feel comfortable. I get
that to me, Like like with my health insurance plans,
they're all just a company to me, my dentists. I
like my dentist. But you know, if I can get
(17:43):
better coverage and cost me less, I can go somewhere else.
I'm probably gonna do it. So again, looking at and
that's a conversation I always have and anybody calls in
is do you want the best dental plan for the
best price, or do you want the best dental plan
for your dentist? And you know that's where the conversation
kind of progresses.
Speaker 1 (17:59):
Well, what about bell have families? Because you know, as
we were talking about what's covered and what's not. Now,
for example, I doubt there are dental plans to cover
cosmetic dentistry unless there's a medical necessity behind the reason
for the cosmetic dentistry, right. I know there are certain
exceptions to.
Speaker 2 (18:14):
This, Yeah, if you fell down and knock the tooth out,
or damage from an accident.
Speaker 1 (18:18):
But like orthodontia, I mean, every kid these days ends
up getting braces or you know, the plastic insert kind
of orthodontia. Can are those types of things covered or
can they be?
Speaker 2 (18:29):
Well, the biggest in kind of understanding that there are
plans that cover orthodontia. I mean, and orthodontia is very expensive.
I mean we're seeing four or five thousand dollars plus.
You know, in most cases those orthod.
Speaker 1 (18:40):
Kind of they're much better than having the railroad tracks
like I.
Speaker 2 (18:43):
Had railroad tracks. So yeah, that was fun. It's funn
eating that way. But you know, some plans cover, but
you have to understand, I mean most plans you might
get a thousand and two grand at max, So I mean,
what are they really paying thirty forty percent of what
your actual overall orthodontia bill is toughing well, of course,
but then extrapolate that to the fact that I have
three kids that might need races. You know, well that
(19:05):
plas a huge goal, that's a huge that's a huge expense,
right yeah. Uh so pre planning on that and making
sure that you have a plan that you know, if
that is the case, you know, we can make sure
it's in there. The other thing too, is you you
kind of mentioned cosmetic, right, you know, there are places
that you know, if they are in network for your
dental plan, we can at least get a discount on that. So,
you know, anything at a twenty thirty it could be
(19:28):
huge if if we set you up the right way
and joining better dental networks that have bigger discounts are
just so much more important to you because it saves
you so much more money, you know in the long run.
We do a lot of plans through Brian through plans
they are called association plans. Uh So these are pre
established group plans that are really phenomenal because they actually
(19:48):
get group ratings. So most group dental plans are actually
less expensive than a lot of the individual ones that
you pay out there, so really just kind of helping
out on you know, cost you know, keeping the premiums
down is you know a lot of things that we
help evaluate and you know, getting into some of these
group of association plans, Like that's one of the dental
plans that I have for my family. I have a
(20:09):
phenomenal dental plan that I pay probably about sixty percent
cheaper because I did it through an association. Okay.
Speaker 1 (20:16):
And something else that comes to mind along those lines. Implants.
Those can be very very pricey.
Speaker 2 (20:24):
Very pricey. I know a client to have over forty
thousand dollars in implant work done, Oh my lord. So
I mean they are absolutely out there. And listen, there
are plans that actually cover implants, not one hundred percent.
I will tell you that's not a caveat. I'm not
telling you go buy a dental plan from me tomorrow.
It's gonna give you forty thousand dollars an implant coverage.
(20:45):
But there are plans out there that will pay thousands
of dollars towards an implant. So it can help alleviate
the sting in that situation. But again, it's all about
having it ahead of time. You know. Again, this is
not something like you mentioned at the gate. You know,
don't give me a call like, hey, I'm going in
for my implant surgery tomorrow. What can you what can
you sign me up for? That's not really gonna happen.
Uh So, just kind of again making sure that's in there.
(21:07):
You know, and understand too, how coverage scales. You know,
there's things like deductibles, there's man there's max annual limits.
You know, there's shared benefits. You know, there's there's there's
things in there that are going to cost you money
if you don't understand how your dental plan works. I mean,
there's so many dental plans that I see out there
that give five hundred or one thousand dollars an annual coverage.
Well that's pretty much your preventive care. You know, don't
(21:32):
go crack a tooth or go you know, need a
root annound because you're gonna you're gonna run out of coverage.
So again it's opening up that policy, making sure that
there's enough coverage in Therefore, you know, when things do
come along down the line, why why.
Speaker 1 (21:44):
Should small businesses for example, And then it's kind of
what you focus on. You don't do groups with a
thousand people or something, but you got a small group
thirty people. You haven't traditionally provided dental. Why what's the
benefit of maybe considering providing dental and considering you point
out it is rather affordable, noting the out of pocket
expenses employees are going to be paying for their own
(22:05):
dental coverage.
Speaker 2 (22:06):
Yeah, because as an employer, you know that offers benefits
to their employees. You know, one of the things they
ask for, do you get dental insurance? And it's a
recruitment piece, right, Yeah, I can, I can. I can
absolutely hire more people because I have dental insurance. You know,
that's it's another perk that we provide to our employees.
And you know that's a big thing for employers, right,
It's it's retention. Right when people are starting to look
(22:26):
at you know what kind of package you offer and go, hey,
I'm a plumber and I'm working for this company. They
have health insurance, but this guy over here offers dental
and vision and he's got a little life insurance policy.
You're not paying much for that as an employer, but
he's seeing all the extra fringe benefits. You know, he's
gonta He's gonna start making choices on the package. The
healthcare package over where he might stay employed.
Speaker 1 (22:47):
It's definitely, it definitely all adds up. Yeah, when you
break it down like that, vision and and and dental
and health and because the out of pocket expenses, you know,
might more than adequately you know, except you set you
apart from these company that's maybe paying an extra couple
of bucks an hour but not providing any of this.
Speaker 2 (23:06):
Absolutely, But the weirdest part about it is sometimes people
take the benefits because again most employees don't know they
don't know what it actually really costs. They just know
that I'm getting it, you know, and they have this.
Speaker 1 (23:16):
Well by now. But we've talked so many times over
the weeks. We figure everybody knows what the out of
pocket is going to be. What the real cost, Yeah,
your cost of health care. It's just it's so astounding
when you put it down on paper.
Speaker 2 (23:27):
But yeah, I mean I talk to you all the time.
I talk to these groups, right, and I go in
there and have conversations with them, and I get the
feeling from the employees that they feel like the benefits
that you give them are terrible. And then I look
at the cost. I'm like, man, this guy's paying an
arm and a leg to provide benefits for you guys.
But because the coverage the way it is is not
stellar for everybody, they just think you're getting your selling
(23:49):
them garbage and your cheap skate. Yeah, and even though
you're going broke over the healthcare the insurance that you're
paying for. So again, it's like, you know, even in
this realm, it's the most employee are just never gonna
know what the actual cost is. Right, because you have
that you could you can tell them, I guess, but
most employers don't. And that's true. Yeah, is there any true.
Speaker 1 (24:10):
That they would explain that, you know, by the way,
in addition to your salary, I am covering X number
of dollars on a monthly or a.
Speaker 2 (24:18):
Yeah, I mean you can tell them me, I'm spending
three dollars extra an hour for you for your benefits. Yeah,
you know, and I guess most people will probably turn
around and go, well, give me the three bucks and
I'm gonna call John find a better plank. There is
that option.
Speaker 1 (24:30):
There is that option, right, So what else do we
need to know about dental coverage?
Speaker 2 (24:35):
Well, I just you know, kind of a couple of
really of things too, especially for families. This is where
I see it. Me, it's a no brainer. The dental
expenses for families, fluoride treatments, everything that's kind of tied
into it. You know. One of the things that we
look at is just like what their actual cost would
be for like a family of four that goes for
just two visits a year. I mean, you're gonna be
paying anywhere from probably twelve to fifteen hundred bucks a
(24:55):
year just with no insurance, right, well, extrapolate that to
what actual insurance would be on a cost basis, it's
almost a break even. And that's why I tell most people,
if you're a family of four, I can typically sell
you insurance for about what you'd be paying normally just
to go for the for the preventive care. If I
can break even on what I'm paying in premium for
(25:16):
what I'm paying just to do without insurance, like, that's
a win.
Speaker 1 (25:20):
It's a win. And then you got all those other
unknowns covered. If you do get the cabinet, absolutely do
get into wreck and the teeth get knocked out or
fill in the blank, and you can come up with
all kinds of thing.
Speaker 2 (25:33):
And the best part about a Brian family plans are fixed.
So it's just you know, I have clients that have
like eight kids, it's the same price as what I pay.
Oh really yeah, so I mean they're a head in
the preventative care. Holy cow. Yeah, most people don't even
realize that. It's like I learned something to Yeah, so
that's why I said the break even point, Like is
usually got a family of four, you you should have
dental insurance. If you have an extra kid like I do.
(25:54):
I'm actually making money the fact that I'm buying dental
insurance if I would just pay for the preventative care
out of pocket. So to me, it's it's it's just
a no brainer. And more people like I always say,
will use dental insurance if they have it, they will.
They will go to the dentists if they have the
dental insurance because they don't feel like, all right, well
I gotta go pay for this, is it? I just
wait another year and get it done. It's like, well,
(26:16):
if it's a free dental cleaning, let's do it every
six months. Yeah, you know, let's just get it done.
And it just may makes so much more sense than that,
you know, in that realm.
Speaker 1 (26:24):
All right, Well, wrapping things up and then remaining moments
of time we got here.
Speaker 2 (26:29):
Yeah, so just kind of you know, some of the
things that really just consider, you know, reach out to us,
let's have that conversation. You know better yet, even if
you're reaching out, just call your dentists and find out
who they're a network with and that way we can
have that conversation. But we offer so many different options,
you know, from individuals to add on plans to even
plans you know, if you have to. I mean, I
(26:50):
put a client last year on a root canal. They
needed a root canal, and I found out who their
dentist was, and I put them on a plan that
didn't pay anything that first year, but they got like
a forty five percent discount because they were in network
with the insurance and that provided it right away. So
don't feel like you're in left feeling, oh, this isn't
pertaining me. I have some dental issues. And again there's
(27:11):
the other thing that people don't realize. This is one
of the things that I learned is the missing tooth clause.
So if you have a missing tooth, you remember insurance
isn't going to cover that. Ever, when you start it
after the tooth is already missing, So you have to
have the missing tooth prior to the insurance being in
So don't think you're gonna have a bunch of different
missing teeth and then calling go I do these all fixed.
(27:32):
Most insurance plans will pay nothing for that, so you
can be very careful of that.
Speaker 1 (27:37):
So that is a the pre x concept exists for
the missing.
Speaker 2 (27:41):
Tooth, the missing tooth, the missing too.
Speaker 1 (27:44):
So if you're gonna have an implant to replace the
missing tooth, you're gonna pay for it in all cases.
Speaker 2 (27:50):
In all cases, that's why I can get you that discount.
So at least the discout, you get forty percent off. Yeah,
and a root cannot two grand or something. Yeah, they're
they're plurting that and then to get more and more
expensive every year.
Speaker 1 (28:01):
Oh, I imagine.
Speaker 2 (28:02):
So, and the dental plans aren't really inflating that much,
especially in our area. You know, other places in the
United States, I see dental plans that could be two
or three times more expensive. But you know, our plans
have pretty much stayed pretty pretty solid over the last
like five years, So these are really affordable plans. I
can tell you right now what I pay in dental
insurance for what my kids have done. I'm ahead, I was,
(28:23):
I'm ahead for like the next five years. Oh, it
makes so much more sense.
Speaker 1 (28:26):
Well, a real life example in John Roman from cover
Sincy Jake's advice, get some dental insurance. Contact the team
again online cover sincy dot com. We do with y
or it doesn't matter, and if you're in any of
the fifty states, he can help you out. I think
it's important to remind folks of that every week because
cover since he suggests, maybe it's just the greater Cincinnati area. No,
(28:46):
if you're listening from California or in New York. I
have a listener in New Hampshire that listens to the
program every day. I got a friend in a Mississippi
that listens to the program. Anywhere you happen to be
get in touch with the team. They can help you
out dental insurance, medical insurance, and UH life insurance as well.
Speaker 2 (29:02):
As we've learned.
Speaker 1 (29:03):
They can help you out with your Medicare issues, knowing
through the right parts to what you need to do.
So all things insurance Coversincy dot com five one three
eight hundred two two five five five one three eight
hundred call. It's been fun talking with you as always John,
this has been another edition of Rethink Healthcare together with
John Rolmant and the team and the team that covers
(29:26):
Sincy
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