|
Family Dental Insurance For Root Canals
Root canals
can cost a fortune and dental insurance can help reduce how
much you pay...
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...
Does Dental Insurance Cover Invisalign
Invisalign express for example is more affordable, because it
is for minor spacing...
Cleaning Your Teeth - Does it Save on
Dental Insurance
Replace your toothbrush
every three or four months or sooner if the bristles become
frayed...
HMO Insurance
Networks
DHMO refers to a dental health maintenance organization that
helps you find the best...
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.
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...
|
|
 Understanding the various types of
individual and family 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 and up
-
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.
|
Dental Insurance - Plans
and Benefits
It is our
pledge to provide individuals and families with the easiest way to
compare and purchase affordable, quality family and individual dental
insurance and discount protection.
How Dental
Insurance Works - Dental insurance works similar to how health
insurance works. Dentists participating in a network agree to
perform services for patients at pre-negotiated rates and usually will
submit the claim to the dental insurance company for you.
Our discount dental
plans may be used as alternatives to dental insurance options or along
with existing dental insurance plans for even more savings on most
dental care procedures.
Discount dental plans are dental insurance
alternatives that offer attractive dental care savings. Most people
that have an individual or family dental insurance plan have it
provided to them under an employer-sponsored group dental insurance
plan.
Other
people may have an individual health insurance plan in which dental
insurance is a supplemental option available to them through the same
insurance company.
Regardless
of the type of dental insurance you have, you should consider the
different individual health insurance options available to you as
either an affordable replacement to your current plan or a supplement
for additional coverage.
When shopping for
individual, family or group dental insurance quotes, always review the
dental plan coverage description thoroughly for any variations in
coverage levels. Compare dental insurance plans and decide which one
is right for you and your family. We offer dental insurance benefit
coverage in all 50 states. Student dental insurance is one of the
most affordable insurance plans available.
Dental Insurance Plan
Types: Similar to medical insurance plans, dental insurance plans are
often categorized as either Indemnity or managed-care plans. Dental
insurance functions in the similar manner to that of an auto insurance
in providing you compensation. Dental Insurance Plan Choices -
Indemnity Plan: An indemnity dental insurance plan allows you to
select your own dentist.
Dental
insurance plans differ in the level of reimbursement offered for
certain procedures and in annual dental spending caps. Dental
Insurance Plans and Programs
Dental
health is extremely important for individuals and families and it’s
financially helpful to have some form of dental coverage to minimize
the costs of dental care.
Popular dental
insurance companies - Aetna, Delta Dental sell these plans. Root canals
can cost a fortune and dental insurance can help reduce how much you
pay. Understanding the various types of individual and family dental
insurance and dental discount plans is important when trying to buy
the right plan.
We sell
both individual and family dental insurance and dental discount plans
throughout all 50 states. This plan has several advantages over
traditional dental insurance plans, namely, there are no exclusions
for pre-existing conditions.
|
|
Dental
Insurance - How Dental Benefits Help You |
Family Dental Insurance
Family dental insurance plan is a very great way to cover your
family, at reduced costs..
Delta Dental Insurance Plan Agent - Get
Dental Help
Dental insurance coverage plans offered by Delta Dental member
companies...
Best Dental Insurance Plans
Discusses the analysis of dental care needs in order to find
the best dental insurance for you...
Aetna Dental Insurance Access Plans
Aetna
dental insurance will also offer a lot of flexibility and
convenience...
Careington Dental Plan - A Large
Provider Network
Save 20% to 60% on most dental procedures including routine
root canals and braces...
Find The Lowest Priced Dental Insurance
We found some the lowest priced dental insurance plans on the
internet...
Student Dental Insurance - Buy Now and
Save
Student dental insurance is one of the most affordable
insurance plans available...
Understanding
a Dental Health Insurance Plan
Popular dental insurance companies Aetna, Delta Dental sell
these plans...
Tooth Ache Home Remedies and Dental
Insurance
Discover the simple solutions to tooth aches and how dental
insurance can help...
Does Dental Insurance Cover Teeth Sealants
Dental sealants act as a
barrier, protecting the teeth against decay-causing bacteria...
Dentures - Defraying the Cost with
Dental Insurance
If you’ve lost all of your natural teeth replacing missing teeth will
benefit your appearance...
Dental Health - Dental Insurance
Benefits
Based on information gathered
during the ADA annual
session, dentists report...
Teeth Whitening - Does Dental Insurance
Pay
Teeth whitening products is the
latest fad but are they safe for you and your family...
What is Cosmetic Dental Insurance
A popular cosmetic dental
procedure to a perfect smile is bonding...
Teeth Cleaning - Helps Reduce Insurance
Premiums
Dental
hygiene remains at the bottom of the health care duties...
|
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...
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:
-
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.
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...
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...
|
|
|
This site has up-to-date
information on individual and family dental, offices, companies,
dentists, and coverage for babies, children, kids, teenagers, young
adults, adults, retirees and more. Find the right dental insurance for
you by entering your zip code. Family dental insurance plan is a very great way to cover your family,
at reduced costs. If we are unable to offer a dental insurance plan,
we will provide a dental discount plan, if available, and clearly
state it. A dental insurance policy may help considerably with the
costs, often paying 100% of the expense of preventive
benefits.
With dental insurance
plans for you and your family, we can help make it easier to keep your
smile healthy. Our individual dental insurance plans provide you with
the coverage you need to promote good dental health. We feature a
wide variety of dental insurance plans. Some dental plans are
administered by Delta Dental Insurance Company, part of the nation’s
oldest and largest dental benefits system.
For your dental health,
you need to take care of two things -- Your daily dental teeth care: A
well planned dental insurance plan. We will provide you with that
information, what are the most affordable dental insurance plans
around, making terms such as insurance quotes, direct reimbursement,
family discount options, financial availability and premium capitation
a breeze. There is a difference between traditional dental insurance
plans and discount plans.
|