Dental Insurance

We’re happy to offer plans from many different carriers, for HMO, PPO and Indemnity (use any dentist) plans.  Please click the links below to explore the options.  For explanations of the various plans, read our info following the links.

Assurant Health Dental

(Indemnity Dental plan, info shown lists what the insurance plan pays, not what you pay, 6 month waiting period for Major work.  If your dentist charges more than the amounts listed, you’re responsible for the difference.  You can also view other supplemental coverage)


Dental for Everyone – Quoting Service

 

Dental Quotes through Quotit — Blue Cross, Blue Shield, Delta Dental PPO and Delta Premier


Individual DeltaCare HMO

(policy info, rates and online application)

 

Types of plans:

HMO Dental, also called DMO or DHMO, require that you see ONLY dentists in the network for your plan.  Use of specialists, like Endodontists, happens only with a referral from your primary dentist.  Typically these plans offer very deep coverage with unlimited maximum benefits, small copayments for each service and No waiting periods!  You can change your dentist by notifying the plan, but check the networks carefully.  A very small percentage of dentists will accept this type of coverage.  It ‘s the best type of plan if you need a lot of dental work right away and don’t mind driving some distance to your dentist.

PPO Dental plans allow you receive services from any dentist.  Those outside of the network may charge more for services than network dentists, but there is more flexibility in these plans.  Typically you’ll see a 12 month waiting period for major services and 3 to 6 months waiting period for minor or basic services.  Benefits may have an annual maximum of $1000 to $2000, and you’ll see deductibles and coinsurance (i.e. they pay 80%, you pay 20%).  Another type of benefit pays a “Scheduled Amount” for each service rather than a percentage.  If your dentist charges more than this amount, you’ll be responsible for the difference.

Indemnity Plans allow you to use any dentist, and there is no network.  These will pay fixed benefit amounts for services, and will have waiting periods and deductibles like the PPO plans above.

Please call our office for help with your selection, or answers to your questions.

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