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Dental Insurance and Dental Plans types we
offer:
Dental Insurance Disclosure
All of these types of dental plans
listed below may not be available in your state. If we are unable to
offer a dental insurance plan, we will provide a dental discount plan,
if available, and clearly state it. Please be sure to contact the plan
dental office to confirm they are accepting new patients and they are
accepting the dental plan you have selected. If you have any dental
plan questions please feel free to
contact our office during regular
business hours. You will find our licensed insurance agents ready to
assist you.
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...
Indemnity Plans
This type of dental
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: $15 to $25
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Companies selling
these plans are regulated by state insurance departments.
Dental HMOs
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.
Preferred Provider Organizations
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:
-
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 Discount
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 from 20-60%) off the regular ADA
pricing code. This plan has several advantages over traditional dental
insurance plans. This allows a patient to receive immediate service for
work without any waiting requirements and no limits on use.
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
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benefit caps
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Benefits usually
capped at $500 to $2,000 annually.
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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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we
look forward to serving you and your family...
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