Evaluating Your Dental Plan Options

by Jason 9/30/2014 8:32 AM

Do you have a choice to make about your dental benefits? Perhaps your employer offers more than one dental plan – and you’re wondering about the differences. Take time to review your options to see which one is the best fit for you and your family. Network Understanding the network requirements of a dental benefits plan is an important consideration. Check each plan’s network to see if your dentist participates. Dentists who participate in networks agree to accept fees that often are lower than their regular billed fees. A strong network helps manage costs since network dentists agree not to bill their patients the difference between their regular billed fees and what the network payment allows. Delta Dental has the nation’s largest network, with dentists participating in its Delta Dental PPOSMNetwork and Delta Dental Premier® Network. With an average of 4 out of 5 dentists participating – it’s a sure bet you’ll find a Delta Dental dentist near you. Go to DeltaDentalMO.com or DeltaDentalSC.com to find one. Cost Management Premium cost is only one measure of a dental plan’s true cost. A strong plan will also help you manage you oral health by encouraging preventive care. This reduces long-term dental costs and could also have a significant long-term impact on overall health and healthcare costs. Make sure your plan covers preventive care, as well as other services you need. Service You need to have confidence that you will be taken care of after signing on with a dental plan. Look for service statistics, such as how quickly phones are answered, claims are paid and any problems are resolved, to give you confidence that you will receive the service you expect. Dental Expertise Medical and dental coverage operate under very different models. While medical coverage focuses more on treatment, dental coverage concentrates on prevention. Furthermore, the dental network is not the focus of a medical benefits provider. Look for coverage from a dental expert – one with a commitment to your oral health. Now you’re armed with the knowledge you need, and you’re ready to choose the best plan option for you and your family. But, if you have more questions, we’re happy to help. Give us a call at 866-991-7345 to review your specific plan options. To find individual and family dental plans, visit the following websites. Missouri residents: https://individual.deltadentalmo.com/ South Carolina residents: https://individual.deltadentalsc.com/

Pre-Treatment Estimates: Your Personal Crystal Ball at the Dentist’s Office

by Jason 9/4/2014 8:30 AM

Think of a pre-treatment estimate like a fortune-teller and crystal ball – it predicts the future of a dental procedure. But unlike fortune-tellers, pre-treatment estimates are reliable. Reasons to get a pre-treatment estimate: You’re planning to have extensive dental work, such as crowns, wisdom teeth extractions, bridges, dentures or periodontal surgery. To see if a procedure is covered under your dental plan. To see if you’re going to exceed your plan maximum benefit. Before you schedule an extensive dental treatment, ask your dentist for a detailed cost estimate. Next, your dentist will submit the procedure cost to your benefit provider (for example, Delta Dental) for an estimate. Your dentist may have to submit x-rays or supporting documents. Finally, your benefit provider will send you and your dentist the final estimate. After you receive the estimate, you’ll know: How much your plan will pay toward treatment Your out-of-pocket financial responsibility The amount remaining toward your deductible (if applicable) How close you are to your benefit maximum While many aspects of your future remain unknown, pre-treatment estimates act as the tarot cards of the dental world. Get an accurate picture of what your next dental procedure has in store for you. Remember, coverage details will differ depending on your benefit provider, as well as your specific plan. Want more information about dental plans? For Missouri residents, visit DeltaDentalMO.com For South Carolina residents, visit DeltaDentalSC.com.

Dental Benefit Categories and Coverages

by Jason 8/26/2014 9:45 AM

Many dental plans offer three classes or categories of coverage. Each class provides specific types of treatment and typically covers those treatments at a certain percentage.... more...


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