I and you know you got to kind of look at the individual dental insurance plans in mainepersonal needs John everybody has their own different different needs the key thing though is when it comes down to insurance the actual insurance program helps pay for the services better.
Than a direct consumer could they're going to get charged when i call the basic retail fee in the great thing about the carriers with their PPO networks and their negotiated fee schedules it helps keep it slower than bait the basic retail so
That members percentage of the fees can mainecare dental insurance actually be lower based on our PPO schedule fee and it if you use your benefits right you're going to more than exceed your paid premium every year in the program and i think that's the key Tom talked a bit about yeah.
your experience with the exchange so far and as you look ahead you know how can a benefit exchange help a consumers benefit dollar go farther yeah and you know this question came up in one of our breakout sessions oddly enough in Atlanta and it was interesting especially.
DENTAL INSURANCE MAINE Someone from the fast food industry on my panel I brought up the what I call the value meal option and in basically that that whole fast food purchase it's a smarter use of your dollar right you're going to get the value meal on so for us the the exchanges they it helps the consumer pinpoint their needs.
it helps them put their dollars into basically what's most important to them and again I keep bringing up that fast food purchase nobody wakes up in the morning and thinks about dental insurance but they do think about medical from time to time so when they're in that marketplace and they're concerned about their health care they're making that they're making that medical more than likely