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Dental Insurance is available to individuals, families and employee groups. For employee groups, you will need to provide us an employee census and some basic information regarding your goals for the offered plans. For individuals and families, you can actually get quotes, compare plans and apply for the coverage right here on the website. There are basically two types of dental insurance. HMO dental plans such as Humana One C550 and Safeguard (you must call the office for Safeguard) have rich benefits and no waiting periods for major services. Rates are competitive, but you must use the HMO's panel of dentists. PPO dental plans such as Delta, Dental Select, Humana Preventive Plus and United Healthcare are less restrictive regarding the panel of dentists and can provide you and your family valuable coverage. Dental HMO Plans (DHMO) • There's no deductible to meet, and no annual dollar maximum. In most cases, no claim forms to file, and no waiting period for coverage. • No copayments are required for most diagnostic and preventive services. • Each family member chooses his or her own network dentist. • Second opinions are available at no charge when we arrange them. • Referrals are not required for members or their covered dependents to receive care from a Network Orthodontist. Members will be covered for most preventive services, including two exams and cleanings per year, X-rays, and two fluoride treatments for children. In addition, members can select a participating pediatric dentist as a primary care dentist for dependent children under age seven and no referral is needed. Based on your plan design, coverage for braces (orthodontia) for children and adults may be included. All network dentists complete a credentialing process. PPO — Managed Care With Flexibility Like other kinds of managed care, Preferred Provider Organizations have “networks” of dental professionals. The network of dentists, orthodontists, and other care providers agree to accept reduced fees from the PPO plan. In return, the providers get more business. The PPO plan pays out less money in claims, and plan members pay less in premiums. But unlike other managed care plans, PPO plans still cover you when you see a dentist outside the plan network. You’ll save more money by staying within the network. But you don't need to get referrals or wait for plan approvals to go seek treatment. This flexibility is a big part of why PPO plans are so popular.  |
    To get a quote, compare plans and apply online, just click on one of the above logos. |
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