Dr. Michael D. Burlakoff, DDS
124 E Emma, Derby
dentist health point of interest
American Family Insurance - Jean Garinger
601 N Baltimore Ave, Derby
insurance agency point of interest establishment
Teresa Burnett - Aflac Insurance Agent
1112 E James St, Derby
insurance agency point of interest establishment
Midwest Dental Derby
1700 E James St, Derby
dentist health point of interest
Derby Dental Care
1120 N Rock Rd #100, Derby
dentist doctor health
Lincoln Financial Group
7804 E Funston St # 212, Wichita
insurance agency finance point of interest
Robert Gelszat - Aflac Insurance Agent
11251 Bellaire St, Wichita
insurance agency point of interest establishment
Dental 911
2610 S Seneca St # 104, Wichita
dentist health point of interest
Mother Mary Anne Clinic
1131 S Clifton Ave, Wichita
doctor dentist health
Precision Dental
404 S Edgemoor St #320, Wichita
dentist health point of interest
Blue Cross and Blue Shield of Kansas
11309 E Kellogg Ave #150, Wichita
insurance agency health point of interest
Eck Agency Inc
540 S Broadway, Wichita
insurance agency health point of interest
Smart Teeth - New Affordable Dentistry
233 N Hillside St, Wichita
dentist health point of interest
Caleb J Gilmour - Aflac Insurance Agent
515 S Main St #105, Wichita
insurance agency point of interest establishment
Kool Smiles
1267 E Douglas Ave, Wichita
dentist health point of interest
WellPoint
327 N Hillside St Suite 200, Wichita
insurance agency health point of interest
R2 Center for Dentistry
5805 E Central Ave, Wichita
dentist doctor health
Aflac: Brian Leitzel
229 E William St #501, Wichita
insurance agency point of interest establishment
Health Partners of Kansas
550 N Lorraine, Wichita
insurance agency point of interest establishment
Blue Cross and Blue Shield of Kansas
220 W Douglas Ave #200, Wichita
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



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