Enter Your Zip Code - Review the Dental Plans

Our insurance agency is proud to
 represent the DeltaCare
 dental insurance plan.
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.

Broad Range of Specialties...

The DeltaCare panel includes oral surgeons, endodontists, pedodontists, periodontists and orthodontists. When a DeltaCare primary care dentist refers a patient to a specialist, the DeltaCare program reimburses the specialist directly for prior authorized treatment. Unlike many managed care dental programs, DeltaCare doesn't require the primary care dentist to pay for specialty care, a practice which encourages appropriate referral. (The patient pays the same copayment for specialty care services whether performed by the primary care dentist or by a referred specialist.)

Dental agent for Delta Dental

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

Please enter your zip code.

Quality Assurance...

DeltaCare© programs provide rigorous controls to assure quality care. Network dentist undergo on-site quality audits. Auditors examine office hours, number of staff members, convenience of location, sterilization techniques, recordkeeping, opportunities available to staff, type of equipment, continuing education, range of services provided and the dentist's own quality assurance system. Contracted dentists must have been in practice for at least five years and must be able to provide 24-hour emergency service. Once accepted into the network, the dentist's office is visited regularly by a DeltaCare representative.

DeltaCare offers a broad range of covered benefits:

All services are covered in full or with patient co-payments as shown in the schedule of benefits and co-payments.

  • Diagnostic and preventive services, including examinations, consultations and x-rays. Also included are prophylaxis (cleaning), topical application of preventive solutions and sealants (age limitations may apply) and space maintainers.
  • Emergency services, to relieve pain and infection.
  • Restorative services, including amalgam, porcelain and plastic restorations (fillings) for treatment of carious lesions (visible destruction of tooth surface resulting from the process of decay). Crowns and jackets are also covered when teeth cannot be restored with the materials mentioned above.
  • Oral surgery, including extractions and certain other surgical procedures.
  • Endodontics, including pulpal therapy and root canal filling.
  • Periodontics, treatment of the tissue supporting the teeth.
  • Fixed bridges, covered subject to administrative policies.
  • Removable prosthetics, including full or partial dentures.
  • Orthodontic care, for adults and/or dependent children, subject to the availability of network orthodontists.

DeltaCare dentists receive a predetermined amount each month for each patient enrolled with their office. Because these dentists have already contracted to provide services to DeltaCare patients, there are no claim forms.

InsuranceCompany.com  an affiliate of Del Amo Insurance Services, Inc., through its' brokerage services, can arrange dental benefits with the Delta Dental Plan Association. A specialist in dental insurance, dental discount plans, vision and prescription coverage programs throughout the United States. We offer several national dental insurance, vision and prescription programs with membership in its dental insurance and/or discount plans depending upon the state you live in...

For additional assistance with the Delta Dental Plan Association, refer to www.deltadental.com.

InsuranceCompany.com is a marketing affiliate and a wholly owned subsidiary of Del Amo Insurance Services, Inc., a California corporation, license #0B93601 DBA: InsComp Insurance Services, an agent of Delta Dental (PMI) CA,FL,TX,UT and MorganWhite (DentalForEveryone) AL,FL,GA,LA,MS,TX,UT. All Delta Dental products are registered trademarks or service marks of Delta Dental Plans.  Click here for Delta Dental© Copyright Information.

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.

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

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