Compare dental insurance plans and decide which one
is right for you and your family. Next day benefits including vision and prescription .
Buying dental insurance does not have to be a painful process. We offer
dental benefit coverage in all 50 states.
We have been
serving the dental community since 1983, you will find our licensed dental
insurance agents are well informed and ready to assist you.Finding the right value in dental
insurance or dental plan is an important step in purchasing affordable dental
coverage for you and your family. Both types of dental plans have
advantages and disadvantages and one size does not fit everyone.
Keeping this in mind is an important rule when you shop for the dental
plan that best fits your needs. We sell both individual and family
dental insurance and dental discount plans throughout all 50 states.
Dental Insurance - Indemnity
This is the plan where
you choose your own dentist. Sometimes it is referral to as private
dental insurance. This type of dental insurance plan pays the dental office (dentist) on a
traditional fee-for-service basis. A monthly premium is paid by the
client and/or the employer to an insurance company, which then
reimburses the dental office (dentist) for the services rendered.
An
insurance company usually pays between 50% - 80% of the dental office
(dentist) fees for a covered procedures; the remaining 20% - 50% is
paid by the client. These plans often have a pre-determined or set
deductible amount which varies from plan to plan. Indemnity plans also
can limit the amount of services covered within a given year and pay the
dentist based on a variety of fee schedules.
Some typical features of these plans:
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High deductibles before coverage
begins (well-designed plans don't apply the deductible to preventive
services)
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Probationary periods on certain
procedures that last up to a year
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Annual dollar limit on benefits
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Chose your own dentist
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Your average monthly cost: $25 or more a month
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Companies selling these plans are
regulated by state insurance departments.
Dental - HMO Network
These insurance plans, also known as "capitation plans," operate
like their medical HMO cousins. This
type of dental plan provides a comprehensive dental care to enrolled
patients through designated provider office (dentist). A Dental Health
Maintenance Organization (DHMO) is a common example of a capitation
plan.
The dentist is paid on a per
capita (per person) basis rather than for actual treatment provided.
Participating dentists receive a fixes monthly fee based on the number of
patients assigned to the office. In addition to premiums, client
co-payments may be required for each visit. Some typical features of these
plans:
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Monthly premiums (some
require you to prepay a year's worth)
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Co-payments for office
visits
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Free preventive or routine
care
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You must select from an
approved network of dentists
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May have an initial
enrollment fee
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Annual dollar cap
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Your average monthly cost:
$5 to $15
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Companies selling these
plans are regulated by state insurance departments.
PPO - Dental
Insurance
Another true insurance plan, a
Preferred provider organizations ( PPO) falls somewhere between an
indemnity plan and a dental HMO. This plan allows a particular group of
patients to receive dental care from a defined panel of dentists. The
participating dentist agrees to charge less than usual fees to this
specific patient base, providing savings for the plan purchaser.
If the patient chooses to see a
dentist who is not designated as a "preferred provider," that patient may
be required to pay a greater share of the fee-for-service. A group
of dentists agrees to provide services at a deeply discounted rate, giving
you substantial savings — as long as you stay in their network. Unlike the
more restrictive DHMO, though, you can go out of network and still receive
some benefits. Some typical features of these plans:
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Monthly premiums
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Annual dollar cap
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You must stay within the
approved network of dentists or pay higher deductibles and co-payments
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Your average monthly cost:
$20-25
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Companies selling these
plans are regulated by state insurance departments.
Dental -
Direct Reimbursement Plans
A dental care plan now coming into vogue is the direct reimbursement plan.
This is a self-funded benefit plan — not insurance — in which an
employer pays for dental care with its own funds, rather than paying
premiums to an insurance company or third-party administrator. You, the
patient, pay the full amount directly to the dentist, then get a receipt
detailing services rendered and the cost, which you show to your employer.
The employer reimburses you for part or all of the dental costs, depending
on your specific benefits.
Your company might reimburse 100 percent of your first $100 of dental
expenses and then 80 percent of the next $500, and 50 percent of the next
$2,000, with a total annual maximum benefit of $1,500. Or it might
reimburse only 50 percent of your first $1,000, resulting in a $500 yearly
cap.
Some typical features of a direct reimbursement plan:
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Neither you nor your
employer pay monthly premiums
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Freedom to choose any
dentist
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Typical employer cost:
depends on the number of employees and
-
benefit caps
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Benefits usually capped at
$500 to $2,000 annually.
Discount -
Dental Plans
This type of dental plan is not insurance. The managing organizations have
negotiated with local dental offices to establish a set price for a
particular dental procedure and offer deep discounts (some up to 60%)
off the regular ADA pricing code. This plan has several advantages over
traditional dental insurance plans, namely, there are no exclusions for
pre-existing conditions. This allows a patient to receive immediate
coverage for work without meeting any waiting period requirements.
Additionally you may be able to use these as supplemental dental plans.
Dental Insurance Disclosure
Our dental web site is very clear if you are
selecting a dental insurance plan or a dental discount plan. We
understand that there are many dental plan web sites popping-up all over
the internet, claiming to offer "dental insurance" when in fact they do
not and are not licensed to offer a dental insurance plan. If you find a
site that says they offer dental insurance, they are "required" to show
their insurance license information on the web site, as noted at the
bottom of this page.
If they don't, then report them to your local state
department of insurance. If you find a dental web site stating they
offer "dental insurance" and in fact they don't, then take the
opportunity to report that site to the search engine you found them on.
Our
entire staff is licensed to offer, sell and service dental insurance.
Always ask to speak with a licensed insurance agent. Ask them if they
are licensed. Full disclosure is our guarantee...
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Members can save on all
dental charges and procedures including dental restorative cosmetic work
(fillings, dental crowns, dental braces, dental implant's) and dental product
related items, etc.), dental hygiene services, preventative work (teeth cleaning, x-rays,
etc). General dentistry, dental hygienist, dental assistant, dental
assisting and all specialties where available are
covered.
DENTAL
INSURANCE, DENTAL PLANS, VISION & PRESCRIPTION COVERAGE
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you for choosing InsuranceCompany.com®
we
look forward to serving you and your family...
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