Benefits 101
12/08/2005
If you’re reading this now, it’s likely that you haven’t yet decided on which dental care option is best for you. Consulting with a licensed insurance broker can guide you through the maze of dental care choices and help you find the coverage to meet your goals at a price that falls within your budget. If you are unfamiliar with some or all of the types of dental products, a licensed insurance broker can explain the pros and cons of each and make a recommendation as to which type might best suit your needs. A licensed insurance broker can play a key role in helping you negotiate the maze of dental care options. Expert product knowledge and choice uniquely qualify licensed insurance brokers to provide you with detailed descriptions of product types and the different levels of benefits and risk that each offers.
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04/12/2005
Selecting an Appropriate Plan
Deciding on whether to purchase dental coverage and selecting from countless regional and national dental plans can seem like a daunting task. Whether you are considering small business, group, individual or family dental insurance, the information that follows can help guide you through the decisions. This article offers an overview of why dental insurance is important and cost effective and explains the different types of dental plans, including direct reimbursement, indemnity, preferred provider organization (PPO) , dental health maintenance organization (DMHO) , discount/referral or reduced fee for services (RFFS) and point of service (POS) plans.
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04/12/2005
A Consumer's Guide To Dental Insurance
Consumers searching for individual, family, group or small business dental insurance can choose from a broad range of regional and national dental plans that accommodate a variety of needs and expectations. The following article begins with a brief overview of the fundamental differences between medical and dental insurance and the role dental coverage plays in maintaining your overall health and well-being. The article then presents information that helps you make an informed decision when selecting a dental plan and also provides tips for maximizing use of the plan’s benefits.
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04/12/2005
What looks like a bargain today may not be a good buy in the long run. While your out-of-pocket costs are, of course, an important part of your decision-making process when choosing a dental plan, they are not the only criteria to use when evaluating your options. Your primary focus should be to determine whether the coverage will satisfy your dental care needs. Consider the following:
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04/14/2005
Group Plan: An employer group purchases and maintains insurance coverage for its employees. Premiums are paid by the employer and may require the employee to partially or fully pay for coverage with pre-tax income deductions. The employer may customize the plan with the insurance company with regard to benefits, employee deductibles/co-pays, covered treatment, and annual maximums.
Private employer-sponsored group benefit plans are regulated by the Employee Retirement Income Security Act of 1974 (ERISA), under the Pension and Welfare Benefits Administration, U.S. Department of Labor.
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04/10/2005
Does the sound of a dentist's drill set your teeth on edge? Consider how much greater your anxiety would be if you had no dental insurance.
Forty-six percent of the population doesn't, according to the National Association of Dental Plans.
Individual coverage is available, but finding the right policy can take a little digging. And, like the group coverage offered through employers, it doesn't always pay for everything.
Some dental insurance professionals believe that individual policies are more expensive and in some cases less comprehensive than you might get with a group plan.
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