Enter Your Zip Code - Review the Dental Plans

This is a dental insurance plan,
 designed to provide dental coverage
for you and your family.


 


Enter Your Zip Code - Review the Dental Plans, dental insurance plans and the discount dental plans


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InsuranceCompany.com is a specialist in dental insurance, dental 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... Please enter your zip code to review the dental plans in your area.

Affordable Monthly Premiums

Monthly premiums are based upon the area you live in, age of the oldest member and the maximum calendar benefit you wish to purchase. Benefits will be paid for reasonable and customary fees as defined by the plan policy. This plan has a maximum calendar year benefit for all services of $1,000, $1,500 or $2,000 per person depending on the plan selected.

 


MultiFlex Dental Insurance Plan - Use your own dentist

Find out more about the Multiflex Dental Insurance Plan for you and your family.

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MultiFlex dental insurance plan is underwritten by Security Life Insurance Company of America. This is dental insurance and NOT A DISCOUNT PLAN. You can use your own dentist or go to any dentist you want...

All members and their spouses, regardless of age, and their children under 19 (23 if a full-time student, in GA to age 25) can enroll in this dental insurance plan.

MultiFlex is an extensive dental insurance plan created to offer you the protection and dental care flexibility at an affordable cost. This indemnity dental insurance plan allows you to select any licensed dentist for service... and when you buy the MultiFlex dental insurance plan, you receive one of the best dental plans for basic, preventative and major dental services in the country. 

Select Your Own Dentist

Enjoy this dental insurance plan by selecting your own personal dentist... and best of all, the hassle of finding a dental office within a network is gone! The plan will pay for your covered expenses (a covered person must incur all eligible expenses while the policy is in force) when the dental services are performed by:

  • a licensed dentist acting within the scope of his/her license;

  • a licensed physician performing dental services within the scope of his/her license, and/or;

  • a licensed dental hygienist acting under the supervision and direction of a dentist.


Dental Insurance and Dental Plans types we offer:

dental insurance, dental plans, discount dental plan 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...

dental insurance, dental plans, discount dental plan 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:

  • 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 insurance, dental plans, discount dental plan 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:

  • 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.

dental insurance, dental plans, discount dental plan 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.

dental insurance, dental plans, discount dental plan 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.

dental insurance, dental plans, discount dental plan 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.

 

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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