Looking for a good dental plan?
You'll find several here.
Dental Insurance Program
Individual Supplemental
Group Dental - Orthodontic Benefits
Need individual supplemental
dental insurance?
If you live in Maryland
there's no doubt that we have your two best options with the Maryland
Preventive Dentistry Program and Superior Dental Group.
But if you don't live in Maryland
one particular competitor of ours, DentalInsurance.com,
is probably worth checking out simply because of the wide variety of plans
and programs they carry. We once tried to line up a lot of different programs
ourselves in order to compete with them but it turns out we don't have
the resources necessary to negotiate the rates they came up with.
DentalInsurance.com
has national plans as well as a number of regional plans that might be
just what you're looking for today. But, remember, if you live in Maryland
no one has a program good enough to beat ours!
Dental Insurance 4
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ADA.org: Welcome to the American Dental Association Web site
The Advantages of Offering A Dental Benefits Plan
Selecting or Changing Your Dental Plan
Dental Benefit Plan Models
Dental Managed Care Plans
Dental Fee-for-Service Plans
The Advantages of Offering A Dental Benefits Plan
Dental health is a key factor to preserving one's general health. Employers and other plan sponsors offer dental benefits for a variety of reasons. Offering a dental benefits plan makes economic sense. A frequently overlooked reason for employee absences or poor work performance is dental disease or discomfort. And as every human resources professional knows, days lost can mean money lost. A quality dental benefits plan can aid in the recruitment and retention of employees. Dental benefits are consistently cited as one of the most sought after employee benefits.
Most medical needs and treatments are unpredictable, catastrophic, high cost and an insurable risk. Most dental needs and treatments are predictable, non-catastrophic, low cost and low risk. Dental disease is most often preventable; with the exception of damage due to an accident, dental treatment begins with relatively low-cost diagnostic procedures, such as exams and x-rays. If decay or disease is detected, the sooner it is treated, the less expensive that treatment will be. The dental needs of an employee group are highly predictable. For this reason, a dental benefits plan can often be self-funded. Extremes in cost and utilization (evident in many medical benefits) are rarely observed with dental statistics.
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Selecting or Changing Your Dental Plan
Before selecting or changing a dental plan, there are some important things to consider. Some plans require patients to choose a dentist from a limited list of dentists. Choosing from a list is not the same thing as freedom of choice. If your dentist is not on such a list, don't hesitate to ask why he or she has elected not to participate.
Dental plans are typically business arrangements between an insurance company and an employer. Most plans are designed to pay only a portion of your dental expenses. However, dental plans may exclude or discourage certain treatments, such as dental sealants, which can prevent tooth decay and save you money later on. Carefully read a plan and know its limitations. If a plan doesn't cover a procedure that is recommended by your dentist, this does not mean that the treatment isn't appropriate or needed.
Some plans do not cover pre-existing conditions, such as missing teeth. Others may not cover dental implants, specialist referrals and other dental needs. Even when you and your dentist agree on the appropriate treatment method for your condition, the contract provision of the dental plan may only pay a portion, or pay only for the least expensive alternative treatment (LEAT) as determined by the insurance company.
Dental plans may use the terms "usual, customary and reasonable" (UCR) to determine the portion of the dental treatment fee they will pay. UCR reimbursement levels are determined by different methods by the dental plan administrators. They may vary a great deal among plans — even when those plans operate in the same area. The fee the insurance company determines to be "customary" may be very low compared to the area's average professional fee for the same services. The plans then generally pay a certain percentage of the UCR level. The patient may then be required to pay a greater portion of the treatment costs.
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Angie s Realm - Free Recipes and Cooking Forum
Assorted recipes, food substitutions & food equivalents, cooking terms, weights & measures, oven temperatures; plus recipes, crafts, games, gifts, etc for special holidays; gardening, more...
3.
Boston College Home Page
Boston College is a private, coeducational Jesuit university with 8,500 full-time undergraduates and 4,000 graduate students. It offers undergraduate and graduate programs in the arts, sciences, humanities, education, law, management, nursing and social work.
