Traditional Dental Insurance vs. AmeriPlan® Dental Plus

Normally as a self-employed entrepreneur, in order to have dental insurance, you would need to fork out about an average of $225 per month. For the 30-year life of having dental insurance and assuming that the annual inflation rate is 5% and that interest is compounded monthly, the future value (of an annuity due) of that monthly stream is calculated as follows:

Future Value = (Monthly Stream) x [(1 + 0.05/12)^(12x30) - 1]/i x (1 + 0.05/12)
= (225) x (1.004167)^360 - 1) / (0.05/12) x (1.004167)
= $188,038.44

If your job pays for two-thirds of your dental insurance, which is $75/mo for the next 30 years, it will calculate to $62,679.48

Don't forget you need to account for the dental fees. Anything that dental insurance covered that goes over $1,500 for the year comes out of your pocket.

Now tell me, do you save more money when you have dental insurance? Let's see how we compare that with AmeriPlan's® Dental Plus, which is $20 per month. If we take the stream of $20 payments assuming the same situation, it computes to $16,714.53.

We account for the dental fees, and it doesn't matter how many times do you see the dentist.

Well if you're a self employed entrepreneur, you save:

$188,038.44 - $16,714.53 = $171,323.91

If your job pays for it, you would save:

$62,679.48 - $16,714.53 = $45,963.95

One way or the other, you still pay for your dental fees. But what would you rather do? Save $45,963.95, pay for discounted dental fees with AmeriPlan® Dental Plus or pay for dental insurance.

It doesn't take a 13-year old to choose which service would he benefit with.
In this case, he would choose AmeriPlan® Dental Plus. Otherwise, almost $46,000 of your future value money goes down the drain.

Cheers,

Sidney Juachon

I market a program for people who are tired of paying for the outrageous dental fees and dental insurance. Do you know anyone who would like to know about a service like that?

If yes, you can get more information about our dental programs, by going to http://www.mybenefitsplus.com/lesid