Full coverage dental insurance with no waiting period is under ERISA is under federal law and your state law for keep recapping is worthless so these doctors that think that our state’s passed a law it’s going to protect me it protects that doctor with say percent of the patients with full coverage dental insurance.
but not the other now a self-funded plan is under ERISA how does that work let’s say it’s Bank of America let’s say that Bank of America hires MetLife well MetLife provides an actuary to design the plan for Bank of America to keep it within Bank of America’s budget.
MetLife provides a low-cost dr. network and then MetLife pushes the paperwork so MetLife handles all of the claims submissions well MetLife is paid a fee per claim a typical fee in the marketplace understand is about seven dollars per claim so MetLife is making seven bucks per claim that life is not at any financial risk.
Whatsoever it’s Bank of America and so the self-funded plan of is can be capped you and how do we know it’s self-funded well it could be a union they could be schoolteachers it could be a hospital it could be a major corporation it could be American Airlines if the patient has an identification card on the back of the card.
It says administered by guardian or it says administrative services only so if there is a patient card on the booklet and by the way when the patient brings full coverage dental insurance with no waiting period and their booklet that’s the technical name of that is summary plan description.
The summary plan description on the back page it may say administrative services only that life as an example now by the way this little booklet the patient brings is not the keys to the kingdom the plan.
Three are more into the Dental Insurance cans the research oriented they are into computer dentistry then the oral pathology where we find the particular kind of disease and oral radiology and diagnosis again Dental Insurancethis is more of x-ray and coming to a diagnosis these are these .
All these subjects that Dental Insurance we have which would be either being a specialist into a root canal that is a conservative dentistry or an oral surgeon or an orthodontist or a basis now after we’ve done with BDS we’ve done the one year of internship now as you miss a student that wants to do a post graduation in.
India but if they’re an entrance examination again at that point yes there is an organ do intersect um and some again the D means that you can have their own intern exam so again the results of the common entrance test decides which subject you are you can select.
Why we say you have to again get very good rank because Dental Insurance the number of course that seats are very very few like a government college would have only three or four seats for a particular post-grad subject so unless you are in the top four and you want to be a surgeon.
When it’s going to be that much more competitive to hear you talking to talk talk maybe hundred yeah maybe hundred to get a popular choice across India yeah that probably does make that three four five dollars what are the options open luckily in the today’s world we have enough continuing education.
We have good short courses of diploma which are a year or two depending upon what subject you are choosing you can either pursue them in India with collaborations of you know cities like in u.s. or in ..
European countries or you can even go there and do your study diploma for study over there and come back and practice in India you are not entitled to practice over there but yes it does help you enhance your skill set and your knowledge base but you started with the student one dream should