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We represent many different plans offered by a variety of carriers, including Blue Cross.
Below is a comparison of the two major types of dental plans available
to individuals and families.
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INDEMNITY |
CAPITATION/
REDUCED-FEE (DHMO) |
DISCOUNT |
| Dentist |
Use the dentist of your choice |
Use a participating dental office |
Use a participating dental office |
Monthly
Rates |
$25-35/single
$50-100/family |
$7-18/single
$10-35/family |
$8/single
$10/family |
| Get Brochures |
Choose a delivery method for an indemnity brochure:
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Choose a delivery method for a DHMO brochure:
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Choose a delivery method for a discount brochure:
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Waiting
Periods |
Basic services:
3 - 6 months
Major services:
12 - 24 months |
Many plans have no waiting periods; some plans have a six month wait for crowns and dentures. |
No Waiting Periods |
| Deductibles |
Deductibles:
$50-150 per year
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No Deductibles |
No Deductibles |
| Maximum Benefit/Year |
$1000 - $1200 |
No Annual Maximum Benefit Limitations |
No Annual Maximum Benefit Limitations |
| Claims |
Dentists charge usual fees and submit claims to insurance carrier, which pays a percentage of the allowable covered charges. |
No claims to file. You pay the reduced fees the dentist has contracted to accept with the plan. |
No claims to file. You pay the reduced fees the dentist has contracted to accept with the plan. |
| Typical Benefits & Fees |
Basic Services: 80%
Major services: 50%
Preventive Services:
80% or 100% |
X-rays: No charge
Routine cleaning: $20
Surface filling (1): $30
Porcelain w/metal crown: $395 |
25 to 60% reduction in fees on all dental procedures. |
| Orthodontia |
Not available |
Included |
Included |
How do I sign up?
Online, mail or fax. Download brochure or request a brochure by mail.
For more information, see the frequently
asked questions.
When will my coverage start?
Applications received by the 15th have coverage starting the 1st of the
following month.
I'm not sure what I want, how do I contact you to find out more information?
Call 800-848-2332.
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