Riverside Dental
1521 Doctors Ct, Watertown
dentist health point of interest
Medicare Solutions Team
106 Fairview St, Watertown
insurance agency health point of interest
Dr. Paul R. Sommers DDS SC
121 Oakridge Ct, Watertown
dentist doctor health
Midwest Dental Watertown
101 Oakridge Ct Suite C, Watertown
dentist health point of interest
Health Insurance Specialists
W5690 Hancock Rd, Watertown
insurance agency health point of interest
Mutual of Omaha Insurance Co
108 N Main St, Oconomowoc
insurance agency finance health
Bitner Family Dentistry
888 Thackeray Trail Suite 214, Oconomowoc
dentist doctor health
ForwardDental Oconomowoc
1320 Pabst Farms Cir #190, Oconomowoc
dentist doctor health
Anthem Blue Cross Blue Shield
2 S Ludington St, Columbus
insurance agency point of interest establishment
Principal Financial Group
1111C Horicon St, Mayville
insurance agency point of interest establishment
Guardian Life Insurance Co-America
1166 Quail Ct, Pewaukee
insurance agency point of interest establishment
Humana
N19W24133 Riverwood Dr, Waukesha
insurance agency health point of interest
Humana
Seneca Dr, Menomonee Falls
insurance agency health point of interest
Long Term Consumer Care Inc: Eisner Scott
3516, 600 Poplar Creek Dr, Brookfield
insurance agency point of interest establishment
Physicians Mutual Insurance Co
805 E Badger Ln, West Bend
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