I am starting to investigate Assurant Secure Choice Dental Plan here in Florida. The "Prepayment Fees" (premiums) are only $109.82 per year. Couples are $185.86 per year. You must go to one of their network dentists and there are some in Leesburg, Eustis and Ocala. You have no deductions, no claim forms, no annual maximum and no referral required for a specialist. It covers cleaning and exam twice a year with just a $5 co-pay each time. Bitewings are just $5 co-pay too. Silver single surface is a $20 co-pay. Many other procedures are covered.
Most dentists charge about $90 for a cleaning and exam in Florida. Do that twice a year - that's $180. With this insurance you only have two $5 co-pays plus the annual premium bringing your out of pocket to about $120.
My question is - how does the insurance company make money? The benefits seem far broader than the premiums.
Anyone on line have ASSURANT SECURE CHOICE and go to Dr. Brignol in Leesburg? Tell us your experience.
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(PS Google: Assurant Dental Plan for their website)