Avia dental plan?

does anyone know if this dental plan is any good? i went online and all, but it sounds too good to be true. does it really cover as much as they say they do and you only pay $120 a year? anyways let me know thanks!!!!

Avia dental plan?
I thoroughly looked over Avia's website and find several things you need to consider.





First: Avia is accepted only by those dentists who participate with Avia's program. Check the website to find which, if any, dentists in your area participate. (For example, in my city there are nearly 400 dentists listed in the phone book. Avia shows that three of them are "participating" dentists.) If there are no dentists in your area who participate, where would you go for your dental care with this program?





Second: if you do find a participating dentist you need to know that Avia will not pay the dentist directly. You will need to pay the dentist and wait for Avia to reimburse you. (See the following fine print: "This discount program is not a health insurance policy and does not make payments directly to medical service providers. Members are obligated to pay for all medical services. Members will receive discounts on health services from participating providers.") So while you do receive a discount from participating providers, you still need to come up with the money at the time of each appointment.





Third: What you will pay is based on "average" fees. For example, Avia says the average fee for a molar root canal is $850.00. If you need a molar root canal Avia says you will pay only $450.00. What they don't tell you is that in my city, for example, the fee for a molar root canal is $1,000.00. So, here you would pay $450.00 plus another $150.00 because of the higher fee. Also, and very importantly, if the participating dentist doesn't do certain procedures like root canals or extraction of impacted wisdom teeth, now you are going to be referred to a specialist and have to pay full price.





I could go on and on about Avia, but let me leave you with one last thought: what do you think the quality will be of the treatment you receive from a dentist who can reduce all his fees nearly 50% from the national average and still make a living? In other words, do you really think you are going to pay about half of what everyone is paying and receive the same level and quality of treatment?





I hope this helps.