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DELTA DENTAL INSURANCE - INDIVIDUAL AND FAMILY

 
Delta Dental Insurance Plans - Independent Member Companies   

InsuranceCompany.com an insurance marketing company of DEL AMO Insurance Services, Inc., can arrange dental care through the Delta dental network of companies. Delta Dental provides exceptional service, extensive dentist choice, and substantial claims savings through its affordable dental coverage to over 24 million enrollees.  Delta Dental's generosity has enabled more than 750 volunteer dentists and 140 dental laboratories to contribute over $10 million services for over 6,100 vulnerable individuals with seriously neglected problems. 

Delta Dental is a leader in improving oral health statewide.  Delta Dental has recognized that by treating children's dental needs, we have improved their overall health and self-esteem.  They offer solutions that expand access to care while preserving the widespread availability and affordability of dental benefits.  In addition, Delta dental plans collectively serve more than 54 million Americans representing more than 90,000 groups. 

Delta Dental is the oldest and largest dental health carrier in California, covering nearly 20 million Californians.  Delta Dental’s Customer Service staff speaks English and Spanish, and has access to interpreters for many other languages.  Delta Dental is the largest dental plan system in the United States.  Member companies serve over one-quarter of the estimated 165 million Americans with dental insurance. 

Delta Dental's roots go back to 1954 with the formation of dental service corporations in California, Oregon and Washington, which were created by dentists who recognized the need to increase access to oral health care.  Delta Dental companies are actively engaged in many studies, grants and partnerships with dental schools and community health organizations to increase access to professional dental care as well as to research evidence-based dentistry and the efficacy of new benefit designs. 

Delta Premier, PPO, DeltaCare - Some of the Dental Insurance Plans

If you are looking for individual dental coverage, we can can find a local Delta Dental plan; to submit a customer service inquiry, find a dentist or your local Delta Dental member company. We offer several product information pages on our web site to help you learn more about Delta Dental Premier, Delta Dental PPO, DeltaCare and other national products.  With over 50 years of experience, Delta Dental is the leader in providing cost-effective, flexible dental coverage to employer groups and organizations of all sizes. 

Three out of four dentists participates with a member company of the Delta Dental Plans Association.  Please note, the Delta Dental PPO program requires you use a network provider for dental services.  Under the Delta Dental Premier program you have in-network and out-of network coverage.  Although in-network dentists will submit your claims for you, you may need to submit claims directly to Delta Dental if you visit an out-of-network dentist. 

Delta Dental Coverage - Nation's Oldest And Largest Dental Network

Under the Delta Dental Premier program you have in-network and out-of network coverage.  Coverage is administered by Delta Dental Insurance Company, part of the nation’s oldest and largest dental benefits system.  Over 50 years of experience, Delta Dental is the leader in providing cost-effective, flexible dental coverage to employer groups and organizations of all sizes.  If you are looking for individual or family dental coverage, just put your zip code and an instant quote will be provided to you.

Delta Dental Benefits - Healthy Family Programs

The Healthy Families Program has an annual dental benefit maximum of $1,500 per child in each benefit year.  Plus, as a member of the Delta Dental Plans Association, we offer benefits in our home state and across the nation with access to the largest network of dentists.  Our focus on dental benefits has given us the expertise to create unique systems that effortlessly administer coverage and provide easy-to-use benefits with cost efficiencies both employers and employees want. 

We are committed to helping you get the most out of your dental benefits.  There is a secure online tool makes it easy for you to review your claims, benefits and eligibility information.  Manage your account and find out about eligibility and benefits.  For your instant online quote, please put your zip code and an instant quote will be provided.

Dental Insurance - Customer Service Department

Our customer service department is ready to assist you with any questions you may have and help you purchase an employer, family or individual dental insurance plan today.  We provide access to many of the largest, most recognized individual dental insurance networks in the nation.

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.

I hope this information on Delta dental insurance has helped you and your family.
Dr. David Blunt

 

Dental Insurance - Oral Health Dental Care Information

Student Dental Insurance - Buy Now and Save
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Understanding a Dental Health Insurance Plan
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Does Dental Insurance Cover Invisalign
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Cleaning Your Teeth - Does it Save on Dental Insurance
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Tooth Ache Home Remedies and Dental Insurance
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Does Dental Insurance Cover Teeth Sealants
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Dentures - Defraying the Cost with Dental Insurance
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Dental Health - Dental Insurance Benefits
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Teeth Whitening - Does Dental Insurance Pay
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What is Cosmetic Dental Insurance
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Teeth Cleaning - Helps Reduce Insurance Premiums
Dental hygiene remains at the bottom of the health care duties...

Toothache Home Remedies - Garlic, Peppermint
Natural toothache remedies are more common than people think...

Does Dental Insurance Cover Dental Implants
Dental implants are a great substitute for dentures and bridge work...

What is Full Coverage Dental Insurance
Free information on full coverage dental insurance plans to help save you money...

Aetna Dental Insurance Access Plans
Aetna dental insurance will also offer a lot of flexibility and convenience...

  

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: $25 to $45

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

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 — 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 — 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:

    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 - How Dental Benefits Help You

Individual Dental Insurance
Individual dental insurance is one of the most widely adopted private insurance types...

Family Dental Insurance
Family dental insurance plan is a very great way to cover your family, at reduced costs...

Dental Insurance Decisions
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PPO Dental Insurance
Learning about Dental PPO's Preferred Provider Organizations - another true insurance plan..

Dental Plan Coverage
Always review the dental plan coverage description thoroughly for any variations in coverage...

Indemnity Dental Insurance
This is another plan where the plan pays the dentist on a traditional fee-for-service basis...

HMO Insurance Networks
DHMO refers to a dental health maintenance organization...

Business Dental Insurance
Business dental insurance plans have become essential to businesses...

Affordable Dental Insurance
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Dental Insurance for Braces
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Supplement Dental Insurance
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Student Dental Insurance
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Benefits of Dental Insurance
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Dental Insurance for Crowns
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Cosmetic Dentistry - Insurance
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Best Dental Insurance Plans
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Types of Dental Insurance
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Dental Insurance - Important Dental Care Information

Wisdom Teeth
Wisdom teeth are a valuable asset to the mouth when they are healthy...

Tooth Decay
Although tooth decay has declined among young children as a group problems remain...

Making Informed Choices
The law mandates that consumers with dental coverage receive a detailed handbook...

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
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 we look forward to serving you and your family...

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Copyright 1997-2017. 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  Agent David Blunt, Lic: 0638553. 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.

2017-11-22T10:08:25+00:00 Harbor City - Los Angeles, California.