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Dental Coverage

 

Dental coverage unlike medical coverage is designed to ensure that the patient receives regular preventive care.  High quality dental care rarely requires the complex, multiple resources often required by medical care.  Preventive care includes regular checkup and cleaning, and it is the key to maintain your oral health.  To insure that prevention is practiced most dental benefits plans are structured to encourage patients to get the regular and routine care.

 

For more detailed information on dental coverage click here

 

Advantages or Disadvantages of Offering Dental Coverage

 

Dental Benefits Plan Models

 

Preferred Provider Organization (PPO)

Under PPO plans patients select a dentist from a network or list of providers who have agreed, by contract, to discount their fees.

 

To get a quote of PPO dental plan click here  (enter your zip code)

 

Dental Health Maintenance Organization/Capitation Plan (DHMO)

The DHMO plans pay contracted dentists a fixed amount (usually on a monthly basis) per enrolled family of individual, regardless of utilization.  In return dentists agree to provide specific types of treatment to the patient at no change (for other treatments, a co-payment is required).

 

Direct Reimbursement

DR is an employer self-funded dental benefit plan that reimburses patients according to dollars spent of dental care, not type of treatment received.  Employees are reimbursed according to a simple formula that does away with the complexity of deductibles and the like.

 

For more detailed information on direct reimbursement click here

 

Indemnity Dental Plan

Indemnity dental plan provides coverage of preventive, restorative, major orthodontic services for any licensed dentist of choice.  Premiums are paid to an insurance company; in turn, the insurance providers pay dentists for the treatments they provide

 

For more information and description on different dental plans click here

If you wish to shop for different dental plans click here