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> Group Plans
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Many types of plans are available, with or without employer contribution toward the cost. Plans are available to groups of two or more employees. We represent most carriers, including Ameritas, Assurant, Blue Cross, Delta Dental, G.E. Genworth, Guardian, Humana, Met. Life and many others.
If you need a dental plan for a family, please see the individual plans.
- Indemnity
Use any dentist; insurance carrier pays claims.
Typically: 100% Preventive services; 80% basic services; 50% major services;
$50 deductible; $1000 maximum/year.
- Dental Health Maintenance Organization (DHMO)
Capitation, Reduced Fee and Discount Plans
Must use participating dental offices. These offices have agreed to
charge members reduced fees for covered services. There are usually
no claim forms, deductibles or maximum benefit limitations. Member pays
dentist the contracted reduced fee. Generally the lowest cost dental
option available.
- Preferred Provider Organization (PPO)
Use participating dental offices that have agreed to charge specified
fees, thus reducing your out of pocket expense. Insurance carrier pays
claims. You still have the option of using a non-PPO dentist.
- Direct Reimbursement
Use any dentist. Employer reimburses employees dental bills based on
a schedule of payment. Typical schedule: 100% of first $100; 80% of
next $500; 50% of next $1000. Can be administered in-house or by a Third
Party Administrator (TPA). We provide direct reimbursement
administrative services.
- Dual-Choice
Employees have the choice between DHMO and PPO or indemnity plan.
- Self-Funded
Employer offers indemnity type coverage and
assumes the risk of paying claims. Can be administered in-house or by
a Third Party Administrator (TPA).
How do I sign up for an employer group
plan?
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