|
|
Dental plan offers over 100+ dental
options for less and the dental services schedule
covers states
such as Alabama, Alaska, Arizona, Arkansas, California, Colorado,
Connecticut, Delaware, Dist of Columbia, Florida, Georgia, Hawaii, Idaho,
Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland,
Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana,
Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North
Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island,
South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia,
Washington, West Virginia, Wisconsin, Wyoming. Please enter your zip code to
review the current dental plan in your area.
Next day benefits, services, and
coverage is available which cover the cost of dental plans,
pre-existing conditions, for discounts from various dentists and dental
offices locally. Be sure to call the dentist and see if they are still
accepting the dental plan you are buying. Dental4Less.com can help provide
dental insurance to meet your state assistance requirements. Please
contact us for a free quote. These are not cheap companies as we quote the
best dental plans which are also insurance.
Understanding the Various Types of
Dental Plans Dental4Less.com offers Finding the right value
in dental insurance vs. 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 plans and dental discount plans throughout
all 50 states. Here are some brief examples that may help you decide.
Indemnity - Dental Plan 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 dental 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: $25 to $40
Companies selling these plans are
regulated by state insurance departments.
Dental Plan - Dental HMO and DHMO 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 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 -
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.
Dental Discount Plans 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 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.
Dental Plan 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 insurance 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... These other dental sites may help you
find the right dental plan or dental insurance coverage plans. Here are the most
popular searches for Dental4Less.com on the internet.
|