Ruth told me about a wonderful landscaper, Randy. I called Randy and asked if we could meet to talk about sprucing up my yard.
When he arrived I had just returned from the dentist having a temporary crown put on. Since my mouth was still a little numb, my speech was slightly slurred and I wanted him to know why. As soon as I told him about my dental work, Randy immediately started telling me about himself and his background. He and his wife are from Russia and moved to the United States about 30 years ago. Randy said he and his wife have bad teeth. Even though in Russia their dental care was free (meaning there was no premium or charge for dental services), there was a big expense that went along with getting dental care. No shots, Novocain, deadening, gas – nothing- was given for any procedure. All procedures were done just as you walked into the dentist office. Due to the obvious pain of having a filling or a tooth pulled without any sedation, he and his wife didn’t go to the dentist. (Goodness! you can’t really blame him.) Then he asked me what I did for a living; what is my occupation? When I told him I sell life and health insurance, he asked “do you sell dental insurance?” When I told him “Yes”, Randy wanted to know how dental insurance works. I gave him a dental brochure and went over the benefits. He was amazed he could get two (2) checkups and teeth cleaning a year plus x-rays once a year for at most a small deductible. You know his next question “Since you just got a crown, how much did that cost?” I told him it cost me 50% of the cost of the crown. His eyes really got big. He said he needed some fillings. What about the cost of fillings? 20% of the cost. At this point I thought Randy may need a lot of dental work. We talked about the maximum amount the dental plan could pay in a 12 month period. I also explained to Randy that there is a waiting period before certain services will be covered. He could get a check up, teeth cleaning and x-rays as soon as the policy is in effect. The “waiting period” is the time he must have the policy before other services could be covered. He was thrilled. Before we could talk about my yard, Randy wanted to fill out an application to get a dental policy. He wanted the “clock” on the waiting period to start as soon as possible so he could get his “bad tooth” fixed. Randy will now proudly tell you about what great condition his teeth are in. He says it’s nothing to go to the dentist when they give you something to be numbed! What a great country we live in. Tell me your story – call 501-868-6650 and say “Caroline, can we talk?”
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AuthorCaroline Beauchamp specializes in personalized life and health insurance solutions. Archives
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