Aetna
5257 Boehm Dr, Fairfield
insurance agency point of interest establishment
Cincinnati Dental Services Fairfield
2760 Mack Rd, Fairfield
dentist doctor health
Metlife Auto & Home/Tanya Kelly
8080 Beckett Center Dr Suite 116, West Chester Township
insurance agency health point of interest
Ameritas Life Insurance Corp.
1876 Waycross Rd, Cincinnati
insurance agency finance point of interest
Miller Insurance Inc
36 S Breiel Blvd, Middletown
insurance agency health point of interest
Cincinnati Dental Services White Oak
8111 Cheviot Rd Suite 102, Cincinnati
dentist doctor health
Cincinnati Dental Services West Chester
7334 Tylers Corners Dr Suite 500, West Chester Township
dentist doctor health
The Dental Care Plus Group
5427, 100 Crowne Point Pl, Cincinnati
point of interest establishment
UnitedHealthcare
4342 Harrison Ave, Cincinnati
insurance agency health point of interest
Humana
4555 Lake Forest Dr suite 650, Cincinnati
insurance agency health point of interest
Principal Financial Group
4555 Lake Forest Dr Suite 230, Blue Ash
insurance agency health point of interest
Smiles By Design - Lali Minocha DDS
8881 Governors Hill Dr, Cincinnati
dentist health point of interest
Met Life
9797 N Springboro Pike # 202, Miamisburg
insurance agency point of interest establishment
Konradi Insurance Services
7601, 976 State Rd 46, Batesville
insurance agency health point of interest
Anthem Blue Cross Blue Shield
2 Prestige Place Drive, Miamisburg
insurance agency health point of interest
Cincinnati Dental Services Mt Auburn
121 E McMillan St, Cincinnati
dentist doctor health
Anthem Blue Cross Blue Shield
3075 Vandercar Way, Cincinnati
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 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