Let's Insure - San Diego
550 W C St #1690, San Diego
insurance agency finance health
Oasis Dentistry
2020 Camino Del Rio N # 108, San Diego
dentist health point of interest
Tony Ricci, CFP
2831 Camino del Rio S, San Diego
insurance agency finance health
Western Dental
6937 Linda Vista Rd, San Diego
dentist health point of interest
MetLife - Life Insurance
3131 Camino Del Rio N, San Diego
insurance agency finance health
Anthem Authorized Broker
1666 Garnet Ave, San Diego
insurance agency health point of interest
HealthMarkets: Soledad Ramirez
3766 Balboa Terrace, San Diego
insurance agency health point of interest
Anthem Blue Cross
9655 Granite Ridge Dr, San Diego
insurance agency health point of interest
Scan Health Plan
9655 Granite Ridge Dr, San Diego
insurance agency health point of interest
Lauren Smith Insurance Services, Inc.
4565 Ruffner St #214, San Diego
insurance agency health point of interest
Sharp Health Plan
8520 Tech Way #200, San Diego
insurance agency point of interest establishment
First Dental Health
5771 Copley Dr, San Diego
dentist insurance agency health
New Dental Choice
5771 Copley Dr, San Diego
dentist insurance agency health
MediExcel Health Plan - U.S. Office
750 Medical Center Ct Suite #2, Chula Vista
insurance agency health point of interest
Guardian Life
575 Otay Lakes Rd, Chula Vista
insurance agency finance point of interest
Standard Insurance Co
5120 Shoreham Pl # 260, San Diego
insurance agency finance health
Teague Financial Insurance Services
4710 4th St #300, La Mesa
insurance agency finance health
Nico Insurance Services, Inc.
7290 Navajo Rd #101, San Diego
insurance agency health point of interest
Guardian Life Insurance Co-America
4275 Executive Square suite 800, La Jolla
insurance agency point of interest establishment
HealthMarkets Insurance - Steve Austin
6215 Ferris Square Suite 100, San Diego
insurance agency health point of interest

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 Provider 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 dentists agree 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


"[https://www.dentalbuzz.com/2018/01/10/why-dental-insurance-makes-good-people-do-bad-things/ Why Dental Insurance Makes Good People Do Bad Things]," DentalBuzz.com, January 2018.


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