What types of dental plans are available?

by MikeMeehan 9/13/2017 9:23 AM

The type of dental plan that’s right for you depends on your personal preferences: Would you pay slightly more to enjoy the flexibility of visiting any dentist? Or is a low price a priority? Here’s what you need to know: Preferred Provider Organization (PPO) plan allows you to visit any licensed dentist, but Delta Dental has established lower fees with our in-network dentists to help you save money. Use our Find a Dentist tool to see if your dentist is in our network, or to find one who is. You can also use the Delta Dental mobile app to find a network dentist. A Dental Health Maintenance Organization (DHMO), or prepaid plan, lets you pay a fixed dollar amount for treatments, and has no deductibles or annual maximums. Preventive services like exams and cleanings are covered at little to no out-of-pocket costs to you, as long as you visit your selected in network DHMO primary care dentist (exceptions apply in some states). To find a DeltaCare® USA (DHMO) dentist, use our Find a Dentist tool. Dental Savings Programs, also called discount plans or cards, give you access to certain dentists who have agreed to charge discounted fees for select services. You pay the dentist directly with no need to file claims or fill out paperwork OVERVIEW PPO plans: Slightly higher premiums, but you’ll be able to choose any dentist. DHMO plans: Lower premiums, but your dentist options are limited. Discount plans: Discounts available on certain procedures with specific dentists. Ready to purchase a dental plan? Visit individual.deltadentalmo.com to purchase a plan or find additional information.

What is a dental plan?

by MikeMeehan 8/24/2017 10:20 AM

A dental plan is a type of health benefit that helps make care more affordable. You pay a monthly or annual fee called a premium, and, in exchange, the dental plan helps you pay for dental services and procedures. Even if you’re generally healthy and have had few or no cavities, it pays to have a dental plan. Here’s why: • Experience better overall health. People who see the dentist regularly are more likely to report good oral health and improved overall well-being. • Detect diseases sooner. More than 120 diseases, including heart disease and diabetes, have symptoms that appear in the mouth. Your dentist may see these signs during an oral exam, allowing you to seek treatment early. • Treat small oral health issues before they become more serious. Regular dental visits mean your dentist can address concerns early and treat them before they become serious. That’s why most plans cover 100 percent of the cost of preventive services like exams and cleanings. • Enjoy cost-savings. In addition to sharing the cost with your dental carrier, you can save even more by visiting in-network dentists since Delta Dental has pre-established fees with these dentists. • Make dental work more affordable. Dental plans help make dental care more budget-friendly, but the savings are especially helpful when unexpected issues arise – they can help reduce expenses you may not have been prepared for. Ready to purchase a dental plan? Visit https://individual.deltadentalmo.com/ to purchase a plan or find additional information.

How to Use Your Benefits this Spring Break

by MikeMeehan 3/28/2017 4:40 PM

For many high schools, colleges and universities, spring break is here. This might be the perfect chance for you or members of your family to take a trip.   But how do your benefits work if you’re out of state or have a child who is?   Luckily, if you’re using Delta Dental, four out of every five dentists are members of our network, so it's likely you’ll find a dentist out-of-state in one of our networks. Most of our dental plans allow you to visit a dentist anywhere within the 50 states and Puerto Rico. You can receive the same benefits you would receive at home.   If you’re traveling out of the country, some Delta Dental products offer coverage for dental care received outside of the US. You can ask your Delta Dental member company or your benefits administrator if your plan offers this coverage.   Our dentist search tool can help you find out if your dentist is part of our networks. You’ll also want to check your benefits to see which networks you have access to: Delta Dental PPOSM, Delta Dental Premier, Delta Dental PPO Plus Premier, DeltaCare USA or Delta Dental Patient Direct. By scrolling over each of these in the dentist search tool, you can read a description that explains the network.   This spring break, you don’t have to be concerned about your benefits. If you’re with Delta Dental, your plan travels with you!    

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