Karen Picks A Plan

Karen was very anxious about her decision of what dental plan to sign up for.  Which plan is best?  What are the monthly costs?  Which services will be covered? Which one’s will not?  What does “yearly maximum” mean? Traditional, PPO’s, Company plans, Individual plans are just a few of her choices. Little did Karen know…

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Insurance – Episode Two

In you missed Episode One, you can get caught up here. In the 1960’s a group of dentists here in California formed a dental insurance company named California Dental Service, otherwise known as the CDS.   The dollar amount of payments was $1,000.00 per year.  I remember the price of gasoline at that time being 28…

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Insurance – Episode One

A long, long time ago, in ancient times (3770 years ago) on the far side of the planet, the first forms of insurance were recorded by the Babylonian and Chinese traders.  One of the first written loss limitation methods can be found in the Code of Hammurabi— The ancient world evolved with maritime loans with…

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The Oxymoron of Dental Insurance

In the 1960’s a group of California dentists formed a dental insurance company called the California Dental Service, which later became Delta Dental. Later came the PPO’s the HMO’s to which I call them the OhOhOhs’s (uhoh OO’s). The CEO’s of these OhOhOh’s get paid many millions of dollars each year. The dentist doesn’t get…

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