Find the right dental insurance for you. Insurance company offers traditional fee-for-service, dental PPO and prepaid program options for individuals and families looking for dental insurance.
Zip Code:   
 

 

 
 

 
ASSURANT DENTAL PLANS

 
Individual Dental Plan Information

The dentists must meet the Plan's standard of quality and service. All have agreed to provide dental care at an affordable price to its members. Since there is no waiting period for your dental services to begin, pre-existing dental conditions are covered and best of all, the dental plan services starts on the first day of next month if the application is received by the dental plan on or before the 20th of this month. Review the sample schedule below and see how easy it is for you or your entire family to enjoy these quality dental services

Disclosure information for several of the Assurant dental plans

SECTION I: PLAN DENTIST SERVICES (Subject to Exclusions and Limitations Listed in Agreement)

Plan Benefits are provided for the dental services listed in this Plan Dentist Services Section of the Copayment Schedule only when services are provided by Member's selected Plan Dentist. Benefits for Emergency Services from other Plan Dentists are provided as specifically stated in the EMERGENCY SERVICES Article of the Evidence of Coverage. Plan Benefits are not available for dental services that do not appear on the Copayment Schedule. To fully understand the benefits, exclusions and limitations of this plan, Member should consult the Evidence of Coverage.

Member is responsible for paying the amount listed in the Member Copayment column, plus any additional laboratory (ďlabĒ) fees for certain dental services. Payment may be due at the time the service is received or in accordance with Plan Dentist's billing procedures. Lab fees may apply to asterisked (*) services. For such a service, the lab fee is that Plan Dentistís normal retail lab fee for that service.

Plan Benefits will be based on the most current dental terminology. Company reserves the right to update the Copayment Schedule to reflect the most current dental terminology, with at least thirty (30) days written notice to Group.

The Plan Dentist selected by Member may not perform all listed services. To fully understand payment responsibility for dental services, Member should discuss availability of services, the proposed treatment, and cost with selected Plan Dentist prior to treatment. Company cannot guarantee that any specific general dentist.

Any Plan Dentist may (but is not required to) charge any Member for any missed appointment, in accordance with the Plan Dentistís guidelines, if Member fails to notify the Plan Dentist at least 24 hours before the scheduled appointment time. However, the charge to the member may not exceed $25.00 per missed appointment.

Payment for all services received from a Non-Plan Dentist (at the Non-Plan Dentistís entire normal retail charge) is the responsibility of Member, except for benefits for Emergency Services as specifically stated in the EMERGENCY SERVICES Article of Agreement.

SECTION II: PLAN SPECIALTY DENTIST SERVICES (Subject to Exclusions and Limitations Listed in Agreement)

If Member requires dental specialty services that cannot be provided by selected Plan Dentist, Member may obtain such services from a Plan Specialty Dentist. No referral from Memberís selected Plan Dentist is needed. There is no applicable copayment schedule for Plan Specialty Dentist services. Instead, the following reductions in charges apply. A 15% reduction from that Plan Specialty Dentist's normal retail charges applies to services obtained from a Plan Specialty Dentist whose practice is limited to endodontics. A 25% reduction from that Plan Specialty Dentist's normal retail charges applies to services obtained from any other Plan Specialty Dentist (including, but not limited to, a Plan Specialty Dentist whose practice is orthodontics). Member is responsible for paying the entire reduced charge either at the time the service is received or in accordance with Plan Specialty Dentist's billing procedures.

To fully understand payment responsibility for dental specialty services, Member should discuss the proposed treatment and its cost with the Plan Specialty Dentist prior to treatment. Availability of specific types of specialty services from Plan Specialty Dentists depends on which types of dentists are Plan Specialty Dentists. Company cannot guarantee that any specific dentist, or any specific type of dentist, will be a Plan Specialty Dentist. Types of dentists who are Plan Specialty Dentists may vary from time to time in different parts of the Service Area.

Payment for all services received from a Non-Plan Specialty Dentist (at the Non-Plan Specialty Dentistís entire normal retail charge) is the responsibility of Member, except for benefits for Emergency Services as specifically stated in the EMERGENCY SERVICES Article of Agreement.

Limitations and exclusions

1.Any services not specifically described in the Copayment Schedule (including but not limited to any hospital or outpatient care facility cost associated with any dental service)

2.Any part of any dental service for which a charge is incurred before the effective date of member's enrollment ends.

3.Any dental service initiated after Memberís enrollment ends.

4.Services provided by Non-Plan Providers unless for Emergency Services for temporary pain relief (with limited benefits) as specifically provided in the EMERGENCY SERVICES Article of the Individual Dental Service Agreement.

5.Replacement of bridgework, dentures or other fixed or removable appliances unless (a) at least five years have elapsed since such appliance was provided as a Plan Benefit, or (b) during that five year period, appliance becomes unusable and cannot be made usable due to Memberís illness or an accident involving damage to the appliance while it is in use.

6.Replacement of dentures or other removable appliances due to (a) damage while not in use or (b) loss or theft.

7.Oral reconstruction using fixed bridgework or other fixed appliances if the overall treatment plan to achieve complete oral reconstruction involves the replacement of six or more teeth (whether those teeth are missing before treatment begins or are extracted as part of the overall treatment plan).

8.Implants or any related implant appliances, or surgery for the insertion of implants or any related implant appliances, whether fixed or removable.

9.Surgical removal of implants or implant appliances, or any surgical or non-surgical services to adjust, repair, replace, or treat any problem related to an existing implant or implant appliance, whether fixed or removable.

10.Restorations or splints used to increase vertical dimension, restore occlusion, or replace or stabilize tooth structure lost by attrition.

11.Orthodontic treatment involving therapy for myofunctional problems, TMJ (temporomandibular joint) dysfunctions, micrognathia, macroglossia, cleft palate or other growth and developmental abnormalities.

12.Orthodontic treatment associated with orthognathic surgery, whether the treatment precedes or follows the surgery.

13.Extractions of third molars (wisdom teeth) that are not symptomatic, whether or not the extractions follow the completion of orthodontic treatment. Examples of symptomatic conditions include decay, odontogenic cysts, chronic pericoronitis and infection.

14.Treatment of malignancies, neoplasms or cysts, including but not limited to biopsies.

Renewal at option of Company.

Additional Information

The Secure Choice individual plan provides dental benefits with attractive prepayment fees. To receive the benefits of the Secure Choice Plan you will need to select a Plan Dentist for you and your family members from the list of Plan Dentists. Please note that you may choose a different dentist for each family member.

The Plan Dentist you select may not perform all procedures listed. The copayments shown apply to those Plan Dentists who perform those services. Therefore, you are encouraged to discuss availability of the scheduled services with your Plan Dentist. Charges for procedures not listed on the Copayment Schedule that are performed by your Plan Dentist are not covered under the Secure Choice Plan. Should you require dental services that your selected Plan Dentist is unable to provide, you may obtain those services from a Plan Specialty Dentist at a reduced rate. No referral is needed from your Plan Dentist in order for you to obtain services from a Plan Specialty Dentist. There is no applicable copayment schedule for specialty services. Instead, the following reductions off the Plan Specialty Dentistís normal retail charges apply to all services received. A 15% reduction applies if the Plan Specialty Dentist is an endodontic specialty dentist. A 25% reduction applies if the Plan Specialty Dentist is any other type of specialty, including but not limited to an orthodontic specialty dentist. You are responsible for paying the entire reduced charge at the time the service is received, or in accordance with the Plan Specialty Dentistís billing procedures.

Payment for each service of a Non-Plan Dentist or Non- Plan Specialty Dentist (at that providerís normal retail charge) is your responsibility, except for limited Plan Benefits for covered dental Emergency Services as stated in the Individual Dental Service Agreement.

Availability and participation of Plan Dentists and Plan Specialty Dentist(s) are subject to change.

What are copayments? Copayments are reduced fees that you pay directly to the dentist for some dental treatments. A partial list of some frequently used dental treatments is included on the back of this brochure. This list shows you the potential savings with United Dental Care of Texas, Inc. versus what you would pay without this Plan.

Cosmetic dentistry: United Dental Care of Texas, Inc. understands the importance of your appearance. Thatís why we have included cosmetic services, such as bleaching and bonding procedures, in your plan benefits.

Orthodontic benefits: The Secure Choice Plan includes reduced fees on Orthodontic procedures for children and adults. Plan Orthodontic Specialty Dentist provide reduced fees of 25% off his or her normal retail charge. Orthodontic services are available only in areas where United Dental Care of Texas, Inc. has Plan Orthodontist(s) who provide those services. Orthodontic treatment begun prior to your plan effective date is not eligible for this benefit.

Specialty benefits: Should the services of a Specialty Dentist be necessary you may seek treatment from any Plan Specialty Dentist listed in our printed or online directory. If an oral specialty dentist, orthodontic specialty dentist, periodontic specialty dentist or pedodontic specialty dentist provides treatment you will receive 25% off that specialistís normal retail charges. For treatment by an endodontic specialty dentist you will receive 15% off that Specialty Dentistís normal retail charges. Specialty Dentist services are available only in areas where United Dental Care of Texas, Inc. has Plan Specialty Dentist(s). Please note that payment for a service performed by a Non-Plan Specialty Dentist is your responsibility.

When will I receive a membership card? Once your application has been processed, you will receive a membership card, the Individual Dental Service Agreement, and a complete list of copayments. Your effective date will be provided with your membership materials.

What if I need to change my dentist? You may change dentists by simply calling the Customer Service Department.

How do I receive care? After your effective date, phone the dentist you selected, and tell the office that you have United Dental Care of Texas, Inc. prepaid coverage. They will schedule your appointment to see the dentist.

Who is eligible? You, your spouse and dependent children as defined by state law.

When do I renew my dental plan? If you select the annual prepayment method, a renewal notification and billing statement will be mailed to your home in advance of your anniversary date. If you select the monthly bank draft method for payment, no action is required to renew your dental plan.

Renewal/Cancellation/Termination: This Plan renews at each yearly anniversary of the effective date. Company and Subscriber each have the right to terminate the Plan with prior written notice. Please consult the Individual Dental Service Agreement for details concerning renewability, cancellation and termination.

* Refer to the detailed plan document.
** Members are responsible for additional lab fees for these services.

1 The Average Retail Charges were determined by "Company" claims analysis for the year 2006 for the state of Texas. The Retail Charges represent a mean average rounded to the nearest dollar representing what you may pay without the plan services.

If you purchase this plan you must agreed to these terms and conditions: Products are marketed by Assurant Employee Benefits, administered by Union Security Insurance Company and provided United Dental Care of Texas, Inc. I affirmatively consent to completing the Data Collection Form (the "Form") electronically. I understand that the option to receive and complete a paper version of the Form is available by printing the Form and completing and submitting the Form. I acknowledge that by clicking the "Submit Form" box above, I have consented to the transmittal of the information contained therein to Union Security Insurance Company and its legal affiliates (hereafter "Company") and that Company may use this information in connection with processing any associated enrollment application. I understand that the Company may be required to retain records of all relevant communications pertaining to the transaction. I also acknowledge that those records may be kept so that the Company may show that the records are authentic, were reliably created by me, and were created and linked to the electronic transaction to which they relate in a manner, such that if the record or the signature is intentionally or unintentionally changed after signing, the electronic signature is invalidated. I understand that I may withdraw this consent to completing the Form electronically by providing notice of my intent to do so to the Company or its agent(s) and that I have an opportunity to review this consent, as well as the Form, in written form as soon as practicable upon my request. I agree that all of the foregoing statements are true and I agree with the terms of this consent.

Get more information about the Assurant dental plans be entering your zip and see if this plan is available in your state. I hope this information has helped.
Dr. David Blunt

InsuranceCompany.com is a specialist in dental insurance, dental discount plans, vision and prescription coverage programs for individuals, families and groups. 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. Compare dental insurance plans and decide which one is right for you and your family. Many of our dental plans have next day benefits including vision and prescription. InsuranceCompany.com offers quotes for individual and family dental insurance plans including an option to compare dental national coverage plans. Remember, buying dental insurance does not have to be a painful process. We offer dental benefit coverage in all 50 states.
 

DENTAL INSURANCE PLAN HELP AND INFORMATION

UNDERSTANDING THE BASICS OF DENTAL INSURANCE

- Cleaning Your Teeth:
Replace your toothbrush every three or four months or sooner if the bristles become frayed. A worn toothbrush will not do a good job of cleaning your teeth. Childrenís toothbrushes often need replacing more frequently than adults because they can wear out sooner...

- Dental Sealants:
Dental sealants act as a barrier, protecting the teeth against decay-causing bacteria. The sealants are usually applied to the chewing surfaces of the back teeth (premolars and molars) where decay occurs most often...

- Dentures:
If youíve lost all of your natural teeth, whether from periodontal disease, tooth decay or injury, complete dentures can replace your missing teeth and your smile. Replacing missing teeth will benefit your appearance and your health
...

- Different Dental Insurance Plans for Different Needs: Consumers can choose from an assortment of dental benefits plans that accommodate a variety of needs and expectations. The following factors differentiate one plan from another...

- Dental Health:
Based on information gathered during the 2001 American Dental Association (ADA) annual session, dentists report that oral bacteria, in some studies, have been associated with heart disease, stroke, diabetes and the birth of pre-term, low- birth- weight babies...
 

 

What are Dental HMO's

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:

- Monthly premiums (some require you to prepay a year's worth)

- Co-payments for office visits

- Free preventive or routine care

- You must select from an approved network of dentists

- May have an initial enrollment fee

- Annual dollar cap

- Your average monthly cost: $5 to $15

- Companies selling these plans are regulated by state insurance departments.

Dr. David Blunt, CEO of InsuranceCompany.com says that understanding the various types of dental insurance and dental discount plans is important when trying to buy the right plan.

Finding the right value in dental insurance or dental plans is an important step in purchasing 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. Here are some brief examples that may help you decide.

Indemnity - Dental Insurance

This is the plan where you choose your own dentist. The 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:

  • High deductibles before coverage begins (well-designed plans don't apply the deductible to preventive services)

  • Probationary periods on certain procedures that last up to a year

  • Annual dollar limit on benefits

  • Chose your own dentist

  • Your average monthly cost: $15 to $25

  • Companies selling these plans are regulated by state insurance departments.

Dental Discount

You will want to use caution with this type of dental plan since it 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 70%) 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.

Learning About Dental PPO's

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 ó 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

  • Annual dollar cap

  • You must stay within the approved network of dentists or pay higher deductibles and co-payments

  • Your average monthly cost: $20-25

  • Companies selling these plans are regulated by state insurance departments.

Direct Reimbursement Plans

A dental care plan now coming into vogue is the direct reimbursement plan. This is a self-funded benefit plan ó not insurance ó 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:

    Some typical features of a direct reimbursement plan:

  • Neither you nor your employer pay monthly premiums

  • Freedom to choose any dentist

  • Typical employer cost: depends on the number of employees and

  • benefit caps

  • Benefits usually capped at $500 to $2,000 annually.

DENTAL INSURANCE PLAN HELP AND INFORMATION

UNDERSTANDING DENTAL INSURANCE AND DISCOUNT DENTAL PLANS

. DHMO Dental Networks

. Business Dental Plans

. Affordable Dental Plans

. PPO Dental Insurance

. Dental Plan Coverage

. Indemnity Dental Insurance

. Dental Plan Decisions

. Individual Dental Insurance

. Family Dental Plan

. Best Dental Plans

. Getting Insurance for Braces

. Supplemental Dental Insurance

. Student Dental Insurance

. Benefits of Dental Insurance

. Dental Insurance for Crowns

. Cosmetic Dentistry - Insurance

. Various Types of Dental Plans

UNDERSTANDING THE BASICS OF DENTAL INSURANCE

- Wisdom Teeth:
Wisdom teeth are a valuable asset to the mouth when they are healthy and properly positioned. Often, however, problems develop that require their removal. When the jaw isn't large enough to accommodate wisdom teeth...

- Tooth Decay:
Although tooth decay has declined among young children as a group, it can still be a problem for individual children, and even teens and adults...

- Making Informed Choices: The law mandates that consumers with dental coverage receive a fully detailed patient information handbook -- a Description of Benefits -- that clearly outlines coverage, limitations and exclusions...

- Choosing a Dentist: Dental benefits plans can be categorized by the options offered for selecting a dentist. Some plans allow you the freedom to choose your own dentist...

- Paying the Dentist: When choosing a benefits plan, it is important to know who pays what to whom. Dental plans can be categorized into three types based on the compensation and treatment provided...

- All Dental Plans have their Limitations: Today's health insurance, including your dental plan, is designed to help you get the care you need at a reasonable cost. Because each person's oral health is different, costs can vary widely. To control dental treatment costs...

- Annual Benefits: To help contain costs, your plan may limit your benefits by number of procedures and/or dollar amount in a given year. In most cases, particularly if you've been getting regular preventive care, these limitations allow for adequate coverage...

- Getting the Most out of Your Dental Plan: To take full advantage of your dental benefits plan, visit the dentist regularly and get the preventive care that will keep your mouth healthy...

 

Dental Insurance Disclosure

The dental insurance programs listed are based upon the zip code you entered and their availability. 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...
 

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
Thank you for choosing InsuranceCompany.comģ
 we look forward to serving you and your family...

InsuranceCompany.com is a registered trademark
Copyright 1997-2018. Del Amo. All rights reserved.

 

 

This is not an attempt to describe the product coverage and its' contents but merely used as a sales tool for the purpose of product illustration. The website and its' owners cannot make recommendations as to whether any illustrated product may meet the users' particular needs. Therefore, the suitability of the product is the final determination of the user of this website. The use of this website is acceptance of the sites' privacy statement. Coverage is not in effect until an application is signed, transmitted, payment received and approved by the underwriting company unless otherwise specifically stated. A physical and/or background inspection may be done to verify the information provided. The quote(s) will be based up on the underwriting information you supplied and the quote(s) is/are subject to change upon inspection and review by the underwriting company. The underwriting company reserves the right to determine the final coverage, premium and acceptability  If you have any questions regarding the information collected, please contact the agency. All quotes are provided by DEL AMO Insurance Services, Inc,. DBA:  InsComp Insurance Services and/or one of it's affiliated agents, brokers, agencies, brokerages, and/or companies  Lic: 0B93601  . Commercial use by others is prohibited by law. No portion of any news or information from this website may be photocopied, faxed, mailed, distributed, transmitted, published, broadcasted, duplicated, or re-distributed in any manner for any purpose without prior written authorization of its' owner.

2019-11-14T10:08:25+00:00 Harbor City - Los Angeles, California.