Typical Types of
Participating Provider Network (PPO)
Depending on your specific plan, the PPO works similar to a DHMO while using an In-Network facility. However, it allows you to use an Out-of-Network or Non-Participating Provider. Any difference of fees will become the financial responsibility of the patient unless otherwise specified in your dental policy. As noted, some dental insurance plans may have an annual maximum benefit limit. Thus, once the annual maximum benefit is exhausted any additional treatments may become the patient’s responsibility. Each year that annual maximum is reissued. The reissued date may vary as a calendar year, company fiscal year, or date of enrollment based on your specific plan.
Indemnity Dental Insurance Plan
This plan may be helpful when you want to stay with your dentist and he/she does not participate in a dental network. By the very nature of this plan the insurance company generally pays the dentist a percentage of your services according to the policy you purchased. In addition you will want to review the co-payment requirements, waiting periods, stated deductible, annual limitations, graduated percentage scales based on the type of procedure and/or length of time you have owned the policy prior to starting your dental work.
Dental Health Managed Organization (DHMO)
When a dentist signs a contract 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, 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.
Call today to receive a free quote on dental insurance for you, your family or your small business employees.
Preventative Care, Eyeglasses & Contacts
Vision insurance allows you to get coverage for preventative care like eye exams to eyeglasses and contacts. Individual and small business vision insurance plans offer a variety of benefits to help reduce the cost of these services and products.
Vision insurance helps cover some out-of-pocket costs related to preventative eye care and corrective services and products. Some plans reimburse for certain services no matter where they are provided while other plans might have a network of providers. Other plans offer discounts on services as well.
Preventative Care, like eye exams
Eyeglasses & Contacts
Cover Some Out-of-Pocket Costs
Suits Your Needs
We can ensure that the amount of benefit is adequate for your anticipated needs, but it’s just as important to make sure you’re not buying more insurance than you truly need.
If you’re interested in a vision insurance plan contact us to get more details and to help you find the right coverage for your specific needs.