Pam needs $8,000 of periodontal work (osseous surgery) that isn’t covered by their dental or medical carrier (both the same). Uh, oh! Unhappy client.

Her dentist however advised us to look into a dental insurer he believed would cover the claim. 

Turns out there is in fact an individual dental plan that offers a comprehensive schedule of benefits, including Pam’s surgery. And, there are no eligibility requirements or waiting periods. With an $88 monthly premium, coverage in year one is limited to just $750 of services after a $50 deductible; in year two, $1500; in year three, unlimited!

Here’s the kicker.

In Pam’s case, the carrier will give credit for the 3+ years she was covered under a group plan. Meaning, we can sign her up for a February 1 effective date and most or all of her surgery will be covered immediately thereafter.

OK, when something seems too good to be true, it probably is.

But if in fact this works, it’s a tool I expect we’ll be using often.

Turns out you can teach an ol’ dog new tricks.