05-26-2017, 11:28 AM
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#161
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Lifetime Suspension
Join Date: Sep 2005
Location: The Void between Darkness and Light
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Quote:
Originally Posted by northcrunk
I'm a contractor with no benefits. A cleaning and X-rays is $600 for my kid.
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I've had fillings done that costed less.
Yowzers.
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05-26-2017, 11:28 AM
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#162
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Franchise Player
Join Date: Mar 2007
Location: Income Tax Central
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Quote:
Originally Posted by northcrunk
I'm a contractor with no benefits. A cleaning and X-rays is $600 for my kid.
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I'm fortunate as I'm self-employed but my wife has a normal job with exceptional benefits, but I'm also not old enough yet to really have to worry about it.
I mean, a couple dental cleanings a year I can afford, but its certainly much nicer when the insurance company is picking up the tab.
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05-26-2017, 11:31 AM
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#163
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Franchise Player
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Quote:
Originally Posted by Locke
Its not really a free market though is it?
Whenever you're dealing with insurance it throws a wrench in the entire works because everyone knows that an insurance company is picking up most of the tab.
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Yep. Which is why health care costs are so high in the U.S.
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Quote:
Originally Posted by fotze
If this day gets you riled up, you obviously aren't numb to the disappointment yet to be a real fan.
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05-26-2017, 11:35 AM
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#164
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Franchise Player
Join Date: Mar 2007
Location: Income Tax Central
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Quote:
Originally Posted by CliffFletcher
Yep. Which is why health care costs are so high in the U.S.
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Theres a whole lot more moving pieces to that giant mozza ball, but its definitely a factor.
An interesting comparable would be Auto-Body Shops. You get a tiny door-ding and it costs thousands to fix because they're not gouging the hell out of you, you're a person, thats no good, so they're gouging the hell out of a faceless insurance company, and thats okay.
If anything you'd think insurance companies would be lobbying hard for standardized rates more than anyone else.
__________________
The Beatings Shall Continue Until Morale Improves!
This Post Has Been Distilled for the Eradication of Seemingly Incurable Sadness.
If you are flammable and have legs, you are never blocking a Fire Exit. - Mitch Hedberg
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05-26-2017, 03:57 PM
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#165
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Franchise Player
Join Date: Mar 2004
Location: Calgary
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Quote:
Originally Posted by temple5
Because my taxes already go to pay for those who smoke, drink to much, eat to many caloric foods, and dont get enough exercise becasue they would rather binge watch some reality TV garbage show on some bs cable channel then take care of their own health.
If people are to fkn lazy to brush their teeth twice a day and floss once a day and occasionally use some mouth wash then I dont want our collective tax dollars to pay for them.
Procedure fees should be advertised so I can "shop around" to different dentists to see if free bottled, nice couches and fake fireplace is worth the extra fees.
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Very ignorant post.
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05-26-2017, 04:11 PM
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#166
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Franchise Player
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Quote:
Originally Posted by REDVAN
Very ignorant post.
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People should also just not opt into having wisdom teeth either if they don't have enough room or aren't going to let them grow in properly.
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05-26-2017, 08:39 PM
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#167
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Franchise Player
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Don't get me started on fatties and smokers
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05-27-2017, 12:10 AM
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#168
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Franchise Player
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Quote:
Originally Posted by indes
I recently paid 24$ for an assessment and 156$ for a filling in Castlegar. No insurance but the dental costs here are cheaper than any dental insurance I can buy.
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Damn. I had just gotten my dental work done when I got laid off last spring, but it sounds like a BC road trip is in my future.
Curious if anyone knows, are the savings similar going outside the city or do you need to go out of province for savings like that?
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05-27-2017, 12:15 AM
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#169
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Franchise Player
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Quote:
Originally Posted by Locke
If anything you'd think insurance companies would be lobbying hard for standardized rates more than anyone else.
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Insurance companies can charge however much they want in premiums for whatever limits they wish to set. When regulations are introduced, insurance companies have the leverage of not offering coverage to "lobby" for deregulation, it's the exact scenario republicans in the states are trying use as an argument against obamacare.
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05-27-2017, 08:09 AM
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#170
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Franchise Player
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^ in the context of group insurance, dental premium rates are generally set by taking the claims paid for a period of time (usually 12 months), adding in an allowance for the plan administration expenses (this would include a profit margin for the insurance company) and then adding in an allowance for future expected inflation (I.e the fee guide going up).
Generally speaking there are maximums built within the plan that are set at the request of the policyholder. The higher these limits the more expensive the plan can become, because claims will increase due to the higher maximums
Generally speaking, most employers have a group benefits consultant advising them . The consultant would independently review the historical claims data to determine if the premium rates are appropriate. In addition, the consultant would review the plan design and provide the client with comments on the maximums relative to the marketplace which would include peer companies as well.
The insurance companies have developed their own fee guide, called the reasonable and customary which defines the amount they will pay for a particular dental code.
As a complete aside, I read in the paper this week that the dental association was meeting in jasper this week and that the dental fee guide was not going to be a part of their formal discussions.
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If I do not come back avenge my death
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05-27-2017, 02:53 PM
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#171
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Franchise Player
Join Date: Mar 2007
Location: Income Tax Central
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Quote:
Originally Posted by Northendzone
^ in the context of group insurance, dental premium rates are generally set by taking the claims paid for a period of time (usually 12 months), adding in an allowance for the plan administration expenses (this would include a profit margin for the insurance company) and then adding in an allowance for future expected inflation (I.e the fee guide going up).
Generally speaking there are maximums built within the plan that are set at the request of the policyholder. The higher these limits the more expensive the plan can become, because claims will increase due to the higher maximums
Generally speaking, most employers have a group benefits consultant advising them . The consultant would independently review the historical claims data to determine if the premium rates are appropriate. In addition, the consultant would review the plan design and provide the client with comments on the maximums relative to the marketplace which would include peer companies as well.
The insurance companies have developed their own fee guide, called the reasonable and customary which defines the amount they will pay for a particular dental code.
As a complete aside, I read in the paper this week that the dental association was meeting in jasper this week and that the dental fee guide was not going to be a part of their formal discussions.
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Ahhh Actuaries....Accountants who couldnt stand the excitement.
__________________
The Beatings Shall Continue Until Morale Improves!
This Post Has Been Distilled for the Eradication of Seemingly Incurable Sadness.
If you are flammable and have legs, you are never blocking a Fire Exit. - Mitch Hedberg
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05-27-2017, 03:39 PM
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#172
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Quote:
Originally Posted by Locke
Ahhh Actuaries....Accountants who couldnt stand the excitement.
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Or they were afraid of the constant private helicopter flights.
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11-22-2017, 04:03 PM
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#174
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Quote:
Originally Posted by Calgary14
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I think the economy will bring the fee's down as well.
Having a College mandated fee guideline is good for both patients and the professional. Not sure why they would not have one.
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11-22-2017, 04:06 PM
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#175
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Franchise Player
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Quote:
Originally Posted by Hes
I think the economy will bring the fee's down as well.
Having a College mandated fee guideline is good for both patients and the professional. Not sure why they would not have one.
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It’s recommended. I don’t think much will change. Those who care about dentist fees will already have found their cheap place.
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11-22-2017, 07:21 PM
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#176
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First Line Centre
Join Date: Jul 2015
Location: Calgary
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Well the whiny dentist they interviewed on TV said he would have to lay off all his single mother staff members if this guide came in.
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11-22-2017, 07:43 PM
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#177
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Powerplay Quarterback
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Im studying to be a dentist and i have to agree. The prices are ridiculous. Hopefully they go down.
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11-22-2017, 07:56 PM
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#178
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Backup Goalie
Join Date: Jul 2013
Location: Southern Alberta
Exp:
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Quote:
Originally Posted by Amethyst
Well the whiny dentist they interviewed on TV said he would have to lay off all his single mother staff members if this guide came in.
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I live in an acreage community just outside of Lethbridge, the biggest/most expensive houses are all owned by dentists, I think they can take a 8.5% hit and still avoid the foodbank
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11-22-2017, 09:23 PM
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#179
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Franchise Player
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Quote:
Originally Posted by Pliddy
I live in an acreage community just outside of Lethbridge, the biggest/most expensive houses are all owned by dentists, I think they can take a 8.5% hit and still avoid the foodbank
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I'm not an anti-dentite or anything, but ask yourself when was the last time you saw a dentist in her 60s. They're long retired by then.
__________________
Quote:
Originally Posted by fotze
If this day gets you riled up, you obviously aren't numb to the disappointment yet to be a real fan.
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11-22-2017, 09:30 PM
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#180
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Franchise Player
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Quote:
Originally Posted by CliffFletcher
I'm not an anti-dentite or anything, but ask yourself when was the last time you saw a dentist in her 60s. They're long retired by then.
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Or dead. Don't they have the highest suicide rate of any profession?
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