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DENTAL INSURANCE FOR BRACES - HELPFUL INFORMATION

 
Dental Insurance for Braces - Benefits as part of the Dental Plan Policy

Dental insurance for braces should be obtained as soon as it becomes confirmed that an individual will be needing the services of an orthodontist.  To save on the cost of traditional orthodontics, you need to start shopping for dental insurance for braces.  A dental discount plan is great when you do not have access to dental insurance for braces.  Most people who have dental insurance for braces are receive the benefit as part of the policies they hold as a result of their employment.  If your employer does not offer dental insurance for braces, ask them if they would consider adding the benefit.  Cheap dental insurance for braces can be found through a variety of insurers, providing the financial assistance needed to pay for a full set of braces. 

Getting Started - Dental Insurance Plans and Braces

Research should be done finding a qualified dentist in the area of the policyholder before the purchase of cheap dental insurance for braces is made.  Once a qualified dentist has been found, the policyholder should mention the dental insurance for braces plan to the dental receptionist and confirm the costs associated with establishing a patient doctor relationship for receiving braces.  One is to get the classic dental insurance for braces, and the other is to get a dental discount plan. 

Also, when you consider dental insurance for braces, you should remember to check whether your dental insurance provider offers a long list of dentists or orthodontists and how much freedom you will have in choosing which dentist you want.  If you have dental insurance for braces then you will get other benefits in addition to your policy.  Dental insurance for braces allows people to make this extremely expensive service available, and decrease the on-budget expenditures.  Consider getting a dental insurance for braces, especially if you are going to have them applied.  So if you are thinking about getting a professional orthodontist service your finances are surely to be planned and you are to have a special kind of dental insurance for braces. 

Dental Insurance and Braces - Dental 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 dental insurance for braces information has helped.
Dr. David Blunt

 

Dental Insurance - How Dental Benefits Help You

. DHMO Insurance Networks

. Business Dental Insurance

. Affordable Dental Insurance

. PPO Dental Insurance

. Dental Plan Coverage

. Indemnity Dental Insurance

. Dental Insurance Decisions

. Individual Dental Insurance

. Family Dental Insurance Plans

. Best Dental Insurance 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

Dental Insurance - Important Oral Health Care Information

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...

 

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.

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 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

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

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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.

2014-10-31T10:08:25+00:00 Harbor City - Los Angeles, California.