Alvin Family Dental and Orthodontics
112 W House St, Alvin
dentist doctor health
Adoue Family Health Center
1111 W Adoue St, Alvin
dentist health point of interest
Alvin Smiles
173 Tovrea Rd, Alvin
dentist doctor health
Accent Dental Group - Alvin
161 N Bypass 35 suite e, Alvin
dentist health point of interest
Alvin Dental Care
1701 Fairway Dr #20, Alvin
dentist health point of interest
Dr. Christopher Hoffpauir, DDS Dentist Alvin TX
2101 TX-35 Loop #106, Alvin
dentist health point of interest
Dena Patterson - Aflac Insurance Agent
5117 Rainflower Cir S, League City
insurance agency finance point of interest
Mary Munoz Philips - Aflac Insurance Agent
116 Garden Dr, Friendswood
insurance agency point of interest establishment
Pearland Dentists
2708 Pearland Pkwy #220, Pearland
dentist doctor health
Castle Dental
2925 Gulf Fwy S D, League City
dentist doctor health
Castle Dental: Smith Roy DDS
1020 NASA Road 1 # 250, Webster
dentist health point of interest
CraigCherryHealthandLife
3405 Colebrook Ct, Pearland
insurance agency doctor health
Branscome Insurance Agency
17000 El Camino Real, Houston
insurance agency health point of interest
Aflac
17300 El Camino Real, Houston
insurance agency point of interest establishment
Dental Select
9720 Broadway St #1023, Pearland
insurance agency point of interest establishment
Houston Dental & Medical Services
3618 Chatwood Dr, Pearland
insurance agency health point of interest
Blue Cross and Blue Shield of Texas
11025 Discovery Bay Dr, Pearland
insurance agency health point of interest
Blue Cross and Blue Shield of Texas
3315 Burke Rd, Pasadena
insurance agency health point of interest
Assurant Employee Benefits
9800 Richmond Ave, Houston
insurance agency point of interest establishment
Westcenter Benefits Inc
3100 S Gessner Rd, Houston
insurance agency point of interest establishment

More About Dental Insurance Services from Wikipedia


Dental insurance is a form of health insurance designed to pay a portion of the costs associated with Dentistry. There are several different types of individual, family, or group dental insurance plans grouped into three primary categories: Indemnity, Preferred Provide Network (PPO), and Dental Health Managed Organizations (DHMO).


Generally dental offices have a Wikt:fee schedule, or a list of prices for the dental services or procedures they offer. Dental insurance companies have similar fee schedules which is generally based on Usual, customary and reasonable, an average of fees in an area. The fee schedule is commonly used as the transactional instrument between the insurance company, dental office and/or dentist, and the consumer.


Types of coverage


Indemnity Dental Insurance Plan

With indemnity dental plans, the insurance company generally pays the dentist a percentage of the cost of services. Restrictions may include the co-payment requirements, waiting period, stated deductible, annual limitations, graduated percentage scales based on the type of procedure, and the length of time that the policy has been owned.


Dental Health Maintenance Organization (DHMO)

Dental Health Maintenance Organization plans entail dentists contracting with a dental insurance company that provider agrees to accept an insurance fee schedule and give their customers a reduced cost for services as an In-Network Provider. Many DHMO insurance plans have little or no waiting periods and no annual maximum benefit limitations, while covering major dental work near the start of the policy period. This plan is sometimes purchased to help defray the high cost of the dental procedures. Some dental insurance plans offer free semi-annual preventative treatment. Fillings, crowns, implants and dentures may have various limitations.


Participating Provider Network (PPO)

In the United States, Participating Provider Network or PPO also referred to as Preferred Provider Organization is an organization governed by medical doctors, hospitals, other health centers and medical care providers. This organization has an agreement with an insurer or the third party administrator to provide health insurance to the people associated with their client at reduced or low rates. Participating Provider Network plan may work similar to a DHMO while using an In-Network facility. However, a PPO allows Out-of-Network or Non-Participating Providers to be used for service. Any difference of fees will become the financial responsibility of the patient, unless otherwise specified.


Payouts


Dental insurance companies divide benefits, services, or procedures into categories and refer to them with American Dental Association (ADA) 3-4 digit code. As an example, Preventative and Diagnostic procedures often include exams (ADA code 0120), Dental radiography (ADA code 0210), and Dental cleaning or Preventive medicine#Prophylaxis (ADA code 1110). Basic procedures often include Dental restoration, Periodontology, endodontics, and oral surgery. Major procedures often are Crown (dentistry), dentures, and Dental implant. Procedures such as periodontics, endodontics, and Oral and maxillofacial surgery may be considered major, depending on the policy.


Restrictions

Some dental insurance plans may have an annual maximum benefit limit. Once the annual maximum benefit is exhausted any additional treatments may become the patient's responsibility. Each year, the annual maximum is reissued. The reissue date may vary as a calendar year, company fiscal year, or date of enrollment based on the specific plan.


See also



External links


*[http://www.ada.org/en/public-programs/dental-benefit-information-for-employers/dental-plan-benefit-models Dental plan benefit models] from the American Dental Association



Learn more about Dental Insurance Services:

https://en.wikipedia.org/wiki/Dental Insurance