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DENTAL INSURANCE FOR SENIORS - INDIVIDUAL AND FAMILY

 
Dental Insurance Options For Seniors - Here Is An Easy Explanation

As the cost of dental care and dental insurance for seniors continues to rise, many senior citizens struggle to get affordable dental care. So much so that dental discount plans have become synonymous with dental insurance for seniors. The functioning of the dental insurance for seniors plans, is somewhat similar to that of a normal health insurance. There are very different options when it comes to dental insurance for seniors as opposed to dental insurance for any other age group.

One option you will want to consider if you are looking for dental insurance for seniors is the Delta Dental Company. The company offers an array of different programs when it comes to dental insurance for seniors, and these plans are offered to purchasers through several funding options including fully underwritten and administrative approaches.

Another company to consider for seniors is Prime Star Senior Dental Plans offer simplicity and flexibility in plan designs and enable the freedom to use the dentist of your choice. Dental care providers assess risks and develop appropriate treatment plans for each patient. You can expect only the best options when you inquire about dental insurance for seniors.

If you find dental insurance for seniors, you should also look for something that has a small amount of out of pocket expenses. You should always read the fine print before agreeing to dental office dental insurance for seniors. Seniors, who cannot rely on employer based dental insurance, can benefit to a great extent from these dental discount plans.

Seniors should make sure they shop around and compare plans and policies. Seniors should calculate how much coverage you will need, and how much money you can spend on monthly premiums. Seniors looking for an efficient dental insurance coverage must not fall into the trick of opting for dental discount plans since it does not refer to a cheaper dental insurance coverage. Plus, despite being preventable, periodontal disease and tooth decay (cavities or caries) are the leading causes of tooth loss in seniors.

Senior Dental Insurance Plans - Are There Inexpensive Alternatives

AARP Health is a collection of health related products, services and insurance programs available through AARP. AARP contracts with insurers to make coverage available to AARP members. AARP does not make dental plan recommendations for individuals. AARP can help you decide on the top personal health coverage coverage for the price that you want or are able to pay.

The AARP dental coverage is offered as one of the many benefits AARP members can receive. The first is the AARP Dental Plan A, which covers 100% of all diagnostic and preventative dental procedures. However, you can also call your AARP customer service hotline for assistance; this is ideal if you are looking for local specialists in case you need specialized dental care.

The AARP Dental Insurance Plan is the only dental coverage custom-designed exclusively for AARP members. The AARP Dental Insurance plan has many essential features that benefit the clients in various ways. The AARP Dental Insurance provides a premium guarantee of two full years which is one of the best coverage options available in the industry. The AARP Dental Insurance comes with new and custom designed plans now and then. The AARP Dental Insurance is one of the oldest and prestigious dental insurance companies that exist today.

Insurance Company - Offers Hundreds Of Senior Dental Programs

Although Delta Dental offers higher coverage for dental care provided by any of its 67,000 dental locations in its network, members can also choose out-of-network dentists just as most PPO plans allow. The AARP Delta Insurance Plan B is similar to Plan A in most respects except some differences in the coverage.

Many aspects of the AARP Delta Insurance Plan B is similar to that of the Plan A discussed above, barring some coverage facts. One option you will want to consider if you are looking for dental insurance for seniors is the Delta Dental Company. They are a member of the nationwide Delta Dental Plans Association, which covers more than 50 million Americans. Delta Dental has “Singular Dental” which is very reasonable, but its enrollment is only open in December every year. Delta Dental Insurance Company pays a fee to AARP and its affiliate for use of the AARP trademark and other services.

If you would like to get your free senor dental insurance quote, please put your zip code and an insurance quote in be provided instantly.

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 dental information has helped you and your family.
Dr. David Blunt

 

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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.

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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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2020-07-02T10:08:25+00:00 Harbor City - Los Angeles, California.