DentalWorks Great Lakes
36173 Euclid Ave ste b, Willoughby
dentist doctor health
Aspen Dental
7610 Mentor Ave, Mentor
dentist doctor health
Aflac
7575 Tyler Blvd # A22, Mentor
insurance agency point of interest establishment
Zito Insurance Agency, Inc.
8339 Tyler Blvd, Mentor
insurance agency health point of interest
Bright Now! Dental
9161 Mentor Ave, Mentor
dentist health point of interest
Guardian Life Insurance Co of America
6700 Beta Dr # 108, Cleveland
insurance agency point of interest establishment
Aspen Dental
1440 Mentor Ave, Painesville
dentist health point of interest
Aspen Dental
6258 Mayfield Rd, Mayfield Heights
dentist doctor health
DentaCard Discount Dental Plan
6150 Parkland Blvd Suite 250, Mayfield Heights
dentist health point of interest
Dentsential
30799 Pinetree Rd #249, Cleveland
insurance agency health point of interest
HealthMarkets Insurance - Lisa RoseRodriguez
3138 Albion Rd, Shaker Heights
insurance agency health point of interest
United Healthcare
3608 Euclid Ave, Cleveland
insurance agency health point of interest
Principal Financial Group: Duncan Elaine
1621 Euclid Ave #1250, Cleveland
insurance agency health point of interest
SuperMed One
2060 E 9th St, Cleveland
insurance agency health point of interest
HealthMarkets Insurance Agency
9551 Vista Way #3e, Garfield Heights
insurance agency health point of interest
AETNA
3780 Pearl Rd, Cleveland
insurance agency health point of interest
Anthem Blue Cross Blue Shield
8333 Rockside Rd, Valley View
insurance agency health point of interest
Met Life
6060 Rockside Woods Blvd N, Cleveland
insurance agency point of interest establishment
Guardian Life Insurance Co-America
6480 Rockside Woods S, Cleveland
insurance agency point of interest establishment
Cigna HealthCare
3 Summit Park Dr Suite 250, Independence
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