Welcome Guest! To enable all features please Login or Register.

Notification

Icon
Error

Financial Discussion

It is always wise to have a secure financial foundation. Here is a place to ask questions, exchange ideas and share information on how to make the most of your money.


To read today's top news stories on federal employee related news visit FederalDaily.com.
Options
Go to last post Go to first unread
beaty22  
#1 Posted : Thursday, November 11, 2010 10:55:03 PM(UTC)
beaty22

Rank: Newbie

Groups: Registered
Joined: 11/11/2010(UTC)
Posts: 10

Hi! We have never added the supplemental dental insurance (FEDVIP) to our BCBS policy, only the vision. We have been happy with the vision insurance, but the more I research into the dental policy reviews I wonder if they will actually pay out claims. Humana seems to be too good to be true and most dental offices are saying stay away from them. We are now considering the MetLife High Option and the United Concordia plan. Any experiences/advice would be much appreciated with ANY dental plans offered thru FEDVIP.
Chuck.G  
#2 Posted : Friday, November 12, 2010 12:28:29 AM(UTC)
Chuck.G

Rank: Newbie

Groups: Registered
Joined: 11/12/2010(UTC)
Posts: 1

Hi Beaty22,
We have had Met Life Dental for a couple of years and have been happy with them. I looked at changing last year to see if there was a better plan and this is what I discovered:
 
1. Humana had very few providers in our area. The ones they did have were all general dentists and no specialists at all.
 
2. United Concordia looked good, so I called my dentist's billing office to see if there was any difference in how the plans billed, if one was easier to deal with than the other. They told me that they were both good, but some of the non-covered services were higher with United Concordia. She specifically mentioned the gas they give when doing a filling. With Met Life it was $24 with United Concordia it was $80.
 
The only minor issue we had with Met Life and BCBS is that our dentist was not a BCBS preferred provider, so BCBS wouldn't pay them directly. They sent me the check, then I had to sign the check over to the dentiist along with the Explanation of Benefits form from Blue Cross before the dentist would bill Met Life. Everything got paid it was just a little more work for me.
Hope this helps,
Chuck
jagfan  
#3 Posted : Friday, November 12, 2010 12:29:43 AM(UTC)
jagfan

Rank: Advisor

Groups: Registered
Joined: 12/6/2007(UTC)
Posts: 179

We've had MetLIfe High since FEDVIP inception.  Have been very happy with them.  They pay as described in their brochure.  Never had any hassles or billing discrepancies.  If you will need the Class C services (root canals, bridges, crowns, etc.) then the high option may be the way to go.  Otherwise, the lower option may be enough.  Last year, I switched to United Concordia because I wanted to return to my previous dentist who is not a MetLife PPO provider.  My husband stayed with MetLife and his dentist.  I needed a crown and had no problems with UC. 
 
There are some differences in coverage with both plans.  MetLife pays for some additional procedures, e.g., implants and UC does not.  Not sure if that changed this year.  Do a search on the boards for the dental plans because last year there was some good feedback regarding various plans.
beaty22  
#4 Posted : Friday, November 12, 2010 1:36:06 AM(UTC)
beaty22

Rank: Newbie

Groups: Registered
Joined: 11/11/2010(UTC)
Posts: 10

Thank you Chuck and jagfan for your responses. With all of the plans, there is only one in network provider in our town, more within 20+ miles of here. They are pretty even scaled on providers offered. It is good to know MetLife hasn't given any hassles on claims being approved, that was my concern after reading that other plans have found loopholes to deny claims. I talked to MetLife today about certain procedures' (two crowns and a filling) allowances and pretreatment processes and hopefully they were straightforward with me about getting approved based on the x-rays and such. Based on putting numbers into a spreadsheet, the standard option is the cheaper route even though they have 15% less coverage on the crowns and fillings. It sounds like MetLife is definitely the company we need to go with, now we need to decide between the high or standard option. Based on the procedures I need, there isn't but a $140 difference in taking the high route and standard. Anyway, again I really appreciate the feedback. 
beaty22  
#5 Posted : Friday, November 12, 2010 1:38:16 AM(UTC)
beaty22

Rank: Newbie

Groups: Registered
Joined: 11/11/2010(UTC)
Posts: 10

Oh and Chuck, the one in network provider in our town is a ppo for our BCBS policy, so fortunately we wouldn't have the extra steps. Thanks for putting that info out there though.
jagfan  
#6 Posted : Friday, November 12, 2010 2:10:44 AM(UTC)
jagfan

Rank: Advisor

Groups: Registered
Joined: 12/6/2007(UTC)
Posts: 179

I believe most billing and loopholes can be avoided if the provider correctly submits an adequate treatment plan with correct procedure codes to the insuror.  Those providers that have been accepting various plans usually "know the ropes".
beaty22  
#7 Posted : Friday, November 12, 2010 7:47:43 AM(UTC)
beaty22

Rank: Newbie

Groups: Registered
Joined: 11/11/2010(UTC)
Posts: 10

Well I have finally found the BCBS Federal Dental Blue Program info. All of the dentist offices in our area said this was a great plan to go with. The costs for family coverage are around $40/month and they cover 100%, 80% and 50%. The only thing I didn't see is orthodontic, which they don't cover at all. Now a new thread to see if anyone has had experience with this program! Thank you again for your help.

roythomasbaker  
#8 Posted : Thursday, November 18, 2010 1:18:10 PM(UTC)
roythomasbaker

Rank: Advisor

Groups: Registered
Joined: 11/27/2007(UTC)
Posts: 140

The Federal Dental Blue program has only a very limited coverage in the US, so you may not find very many forum members who have experience with it...
 
buffalodots  
#9 Posted : Monday, December 06, 2010 11:32:31 PM(UTC)
buffalodots

Rank: Newbie

Groups: Registered
Joined: 12/6/2010(UTC)
Posts: 1

Whatever you do, don't get Humana. It's been a disaster for me a) actually finding dentists that take Humana and b) getting Humana to pay up. Their dentists are miserable and are for sure the worst in the field. 
beaty22  
#10 Posted : Wednesday, December 08, 2010 3:28:58 AM(UTC)
beaty22

Rank: Newbie

Groups: Registered
Joined: 11/11/2010(UTC)
Posts: 10

Thanks for the replies and advice. We actually just signed up with BCBS Dental Blue and will hopefully have a good experience.
Rss Feed  Atom Feed
Users browsing this topic
Guest
Forum Jump  
You cannot post new topics in this forum.
You cannot reply to topics in this forum.
You cannot delete your posts in this forum.
You cannot edit your posts in this forum.
You cannot create polls in this forum.
You cannot vote in polls in this forum.


This page was generated in 0.783 seconds.