Dental Insurance and Dental Plans types we offer:

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Indemnity Plans

This type of dental plan pays the dental office (dentist) 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 the dental office (dentist) for the services rendered. An insurance company usually pays between 50% - 80% of the dental office (dentist) 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 plans also can limit the amount of services covered within a given year and pay the dentist 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 dentist

• Your average monthly cost: $15 to $25

• Companies selling these plans are regulated by state insurance departments.

Dental HMOs

These insurance plans, also known as "capitation plans," operate like their medical HMO cousins. This type of dental plan provides a comprehensive dental care to enrolled patients through designated provider office (dentist). A Dental Health Maintenance Organization (DHMO) is a common example of a capitation plan. The dentist is paid on a per capita (per person) basis rather than for actual treatment provided. Participating dentists receive a fixes monthly fee based on the number of patients assigned to the office. In addition to premiums, client co-payments may be required for each visit. Some typical features of these plans:

Preferred Provider Organizations

Another true 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 dentists. The participating dentist agrees to charge less than usual fees to this specific patient base, providing savings for the plan purchaser. If the patient chooses to see a dentist 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 dentists 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:

Dental Discount

This type of dental plan is not insurance. The managing organizations have negotiated with local dental offices to establish a set price for a particular dental procedure and offer deep discounts (some from 20-60%) off the regular ADA pricing code. This plan has several advantages over traditional dental insurance plans. This allows a patient to receive immediate service for work without any waiting requirements and no limits on use.

Direct Reimbursement Plans

A dental care plan now coming into vogue is the direct reimbursement plan. This is a self-funded benefit plan — not insurance — in which an employer pays for dental care with its own funds, rather than paying premiums to an insurance company or third-party administrator. You, the patient, pay the full amount directly to the dentist, then get a receipt detailing services rendered and the cost, which you show to your employer. The employer reimburses you for part or all of the dental costs, depending on your specific benefits.

Your company might reimburse 100 percent of your first $100 of dental expenses and then 80 percent of the next $500, and 50 percent of the next $2,000, with a total annual maximum benefit of $1,500. Or it might reimburse only 50 percent of your first $1,000, resulting in a $500 yearly cap.
Some typical features of a direct reimbursement plan:

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Dental Visits

The ADA recommends regular dental check-ups, including a visit to the dentist within six months of the eruption of the first tooth, and no later than the child's first birthday. Preventive care such as cleanings and if necessary, fluoride treatments, provide children with 'smile' insurance. Routine dental exams uncover problems that can be easily treated in the early stages, when damage is minimal.

Early Childhood Caries (Baby Bottle Tooth Decay)

Baby bottle tooth decay can destroy children's teeth. It occurs when a child is frequently exposed to sugary liquids such as milk, fruit juice and other sweet liquids. The ADA recommends the following steps to prevent your child from getting early childhood caries.

• Begin oral care early. Wipe the baby's gums with a wet washcloth or a clean gauze pad after each feeding.

• Babies and toddlers should finish their naptime and bedtime bottles before going to bed. Never allow your baby or toddler to fall asleep with a bottle containing milk, formula, fruit juices or sweetened liquids OR a pacifier dipped in sugar or honey.

• Encourage children to drink from a cup by their first birthday.

• Don't let children constantly sip on sugary liquids (including milk and juice) from training (sippy) cups. Offer these liquids at mealtimes.

• Help your child develop good eating habits early and choose nutritious snacks.

Dental Sealants

Sealants are used to protect the chewing surfaces from tooth decay, the single most common chronic childhood disease. Your dentist can help prevent or reduce the incidence of decay by applying sealants to your child's teeth. A sealant is a clear or tooth-colored plastic material that is applied to the chewing surfaces of the back teeth where decay occurs most often. Sealants protect normal depressions and grooves in the teeth called pits and fissures, which are particularly susceptible to tooth decay.

Mouth Protectors

Any child involved in a recreational activity, such as soccer, hockey, football, roller blading, riding a scooter and even bicycling should wear a mouth guard. There are 'stock' mouth guards available in stores and a better-fitting variety, which are custom fitted by your dentist. Ask your dentist about using a mouth protector.

National Children's Dental Health Month

National Children's Dental Health Month has been observed each February for more than 55 years. 'It serves as an annual reminder to children, parents and caregivers of the importance of healthy oral health habits,' Dr. Feldman explained. The Give Kids A Smile campaign conducted February 1, 2008, isthe centerpiece of National Children's Dental Health Month. Give Kids A Smile was designed to provideoral examinations, preventive and restorative care and oral health education toan estimated half-million children in need of access to oral health care. Now in its sixth year, Give Kids A Smile is observed annually on the first Friday in February.

About the American Dental Association

Celebrating its 150th anniversary, the not-for-profit ADA is the nation's largest dental association, representing more than 156,000 dentist members. The premier source of oral health information, the ADA has advocated for the public's health and promoted the art and science of dentistry since 1859. The ADA's state-of-the-art research facilities develop and test dental products and materials that have advanced the practice of dentistry and made the patient experience more positive. The ADA Seal of Acceptance long has been a valuable and respected guide to consumer dental care products. The monthly Journal of the American Dental Association (JADA) is the best-read scientific journal in dentistry. For more information about the ADA, visit the Association's Web site at www.ada.org