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Dental insurance, Bought a lame dental insurance plan and I feel ripped off.

Seven months ago I bought a PPO dental insurance plan.  Since I do not get dental offer to me from work I had to get something on my own.  I read about how the plan I bough would cover up to 50% for the cost of root canal and crowns.

I thought that was acceptable even though the max was 2000.00 but that was the highest yearly max I could fine.  Fine I thought I would deal with it.  So I am paying 34.56 a month for this stupid dental plan and the first time I go to really use it I find out I have not coverage for another 11 months for the crown that I need now.

I am told by my dental office that my insurance has a waiting period for crowns and major services.   What the heck is that about!  I been paying for this plan for seven months.  I did not know there were such long ass waiting periods.   I call the insurance company wanting my money back but was told that all I can do is cancel my plan.   They would not refund my money up to this point.

They said the waiting periods were fully disclosed to me on their web site and in the policy terms that they sent out to me with my ID cards.  Truthfully at this time I could not say they did or did not disclosed this information on their web site because I forgot what web site I got the plan from there was so many of the at the time I got the plan.  Sure I got my policy and ID cards in the mail but I did not know I had to read all the find print.  This just seems really wrong to me and what can I do to get my money back from them?
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Posted on Saturday, Jul. 10th 2010 10:18 AM | by Dental | in Complaints, Dental help, Dental Insurance | 1 Comment »

One Comment on “Dental insurance, Bought a lame dental insurance plan and I feel ripped off.”

  1. Cheryl Says:
    Saturday, Jul. 10th 2010 1:04 PM at 1:04 pm

    Well sorry to say it sounds like you did not take the time to read though the plan you are buying. That is on you. Most PPO have waiting periods in their plans.

    Unless you go back to site where you bought the plan and they do not disclose the waiting periods it is not a scam if you did not bother to read the plan terms and conditions. Take this as a learning experience and learn to read though what you are buying.

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