Dental Blog -- Dental Opinions and Reviews, Dental Insurance Plan Reviews - Dentist, Dental Office Consumer Opinions and Customer Complaints

Dental Opinions is a service to the dental insurance community providing dental reviews and opinions for dental insurance plans, dental plan procedures, dentist, and the various dental plans sold on the internet such as dental discount plans, reduced dental fee for service, PPO dental insurance plans, DHMO, and dental insurance indemnity products for individual and family dental plans.

Consumer website reviews of good, bad, and ugly dentistry. Advocates for dental fairness.

 

Dental Insurance, Dental Plan, what is the difference

Posted on Monday, Apr. 12th 2010 8:59 PM by Dental Plan Reviews in Dental Help, Dental Insurance, Dental Plans 3 Comments »

I have some dental work that I knows needs to get done.  I do not have coverage through work.  So I have googled dental insurance but keep getting websites that offer dental plans.  What is the difference between the two?  The plans seem really cheap to me but are they any good.  Have not found any dental insurance yet to compare the plans to and I am just fed up with looking for it.    If you know where I can find dental insurance that would be helpful to me in order to compare and see what I would like to have.

VN:F [1.9.22_1171]
Rating: 5.0/5 (2 votes cast)
VN:F [1.9.22_1171]
Rating: +2 (from 2 votes)
Dental Insurance, Dental Plan, what is the difference, 5.0 out of 5 based on 2 ratings
Posted on Monday, Apr. 12th 2010 8:59 PM | by Dental Plan Reviews | in Dental Help, Dental Insurance, Dental Plans | 3 Comments »

3 Comments on “Dental Insurance, Dental Plan, what is the difference”

  1. Carol Says:

    A dental plan or dental discount plan is low cost and are great in helping reduce your dental costs. They are good for when you may be in pain now and need to see a dentist ASAP. Since most start up within the next business day. They are straight forward plans. You get a discount at the dental office that participates in the plan for services render.

    For dental insurance you have three types HMO, PPO and Indemnity. Depending on the state you live in you should be able to review some of these types of insurance plans on http://www.insurancecompany.com

    VA:F [1.9.22_1171]
    Rating: 0.0/5 (0 votes cast)
    VA:F [1.9.22_1171]
    Rating: 0 (from 0 votes)
  2. Kay Says:

    I think that if you know you need dental work try looking and either for a Dental HMO or Dental Discount Plans. They normally do not have yearly dollar max limits and or waiting periods.

    VA:F [1.9.22_1171]
    Rating: 0.0/5 (0 votes cast)
    VA:F [1.9.22_1171]
    Rating: 0 (from 0 votes)
  3. Troy Says:

    Indemnity – Individual Dental Insurance

    This is the plan where you choose your own individual or family dentist. The dental insurance plan pays the dental office on a traditional fee-for-service basis. A monthly premium is paid by the client and/or the employer to an insurance company, which then reimburses them for the services rendered.

    A dental insurance company usually pays between 50% – 80% of the family or individual dental office fees for a covered procedures; the remaining 20% – 50% is paid by the client. These plans often have a pre-determined or set deductible amount which varies from plan to plan. Indemnity dental plans also can limit the amount of services covered within a given year and pay them based on a variety of fee schedules. Some typical features of these plans:

    *

    High deductibles before coverage begins (well-designed plans don’t apply the deductible to preventive services)
    *

    Probationary periods on certain procedures that last up to a year
    *

    Annual dollar limit on benefits
    *

    Chose your own individual or family dentist
    *

    Your average monthly cost: $15 and up
    *

    Companies selling these plans are regulated by state insurance departments.

    PPO’s

    Preferred Provider Organizations

    Another true dental insurance plan, a Preferred provider organizations ( PPO) falls somewhere between an indemnity plan and a dental HMO. This plan allows a particular group of patients to receive dental care from a defined panel of individual dental insurance dentists. This type could be used to provide dental gap insurance.

    The participating individual or family office agrees to charge less than usual fees to this specific patient base, providing savings for the plan purchaser. If the patient chooses to see one who is not designated as a “preferred provider,” that patient may be required to pay a greater share of the fee-for-service.

    A group of individual or family dentistry providers agrees to provide services at a deeply discounted rate, giving you substantial savings — as long as you stay in their network. Unlike the more restrictive DHMO, though, you can go out of network and still receive some benefits. Some typical features of these plans:

    *

    Monthly premiums
    *

    Annual dollar cap
    *

    You must stay within the approved network of individual or family dentists or pay higher deductibles and co-payments
    *

    Your average monthly cost: $20-25
    *

    Dental companies selling these plans are regulated by state insurance departments

    VA:F [1.9.22_1171]
    Rating: 0.0/5 (0 votes cast)
    VA:F [1.9.22_1171]
    Rating: 0 (from 0 votes)

Please leave a dental comment or reply

You must be logged in to post a comment.

.......

Dental review keywords to help you find us again. DentalOpinions.com brings you content on these related dental items.

dental plan reviews, dental plans review, dental plan review, dental discount plan reviews dentist reviews, dentists reviews, dentist review, dentistry reviews, cosmetic dentist reviews, dentists review, dental reviews, dentist ratings reviews, cosmetic dentistry reviews, pediatric dentist reviews, a dentist reviews, dentist and reviews, dentist reviews in, dentist reviews in new, dentist reviews new, reviews for dentist, reviews of dentist in, reviews on dentist in, dentist net reviews, reviews of dentist, free dentist reviews, dentist reviews las, reviews on dentist, dentist and review, dentist net review, dentist review in, review a dentist, review for dentist, review of dentist, dentist review new, review of dentist in, dentistry review, dentist reviews long, review on dentist, reviews for dentist in, cosmetic dentist review, reviews of dentists, dentists reviews in, reviews on dentists, reviews for dentists, dental review, dentist patient reviews, dentist patient review, review of dentists, dentists review in, city dentist reviews, dental dentist review, best dentist reviews, city dentist review, patient reviews of dentists, family dentistry reviews, patient reviews of dentists in, reviews of dentists in, reviews on dentists in, cosmetic dentistry review, family dentistry review, dental hygiene reviews, review of dentists in, area dentist reviews, gentle dental reviews, dentist reviews orange, dentist reviews dr, dentist reviews nyc, dentist review dr, dentist review nyc, dds dentist reviews, new york city dentist reviews, dentist reviews los, reviews for dentists in, dds dentist review, gentle dental review, area dentist review, dental arts reviews, dentist reviews cincinnati, dentist reviews st, dentist review los, md dentist reviews, dentist reviews columbus, las vegas dentist reviews, dentist review st, tucson dentist reviews, dental arts review, dentist reviews milwaukee, dentist reviews arlington, pediatric dentist review, dentist reviews pasadena, pasadena dentist review, dentist reviews boston, dental associates reviews, dentist review boston, dental associates review, comfort dental reviews, dentist reviews orlando, comfort dental review, dental patient reviews

 
 
Copyright 2011 All rights reserved. DEL AMO Insurance Services, Inc.