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.

Effective Discount: Measuring Overall Network Value

by MikeMeehan 8/2/2017 10:45 AM

From size of the network to utilization rates to money saved, there are multiple ways to measure the overall value of a provider network. The effective discount – which represents savings on all claims both in and out of the network – encompasses a number of individual measures. Accordingly, it is a good overall measure of the value of a provider network. According to a recent study, our Delta Dental PPOSM Plan delivers the industry’s best effective discount – averaging 25.3 percent nationally – resulting in more than $5.9 billion in annual savings compared to dentists’ average FAIR Health submitted charges. About the Study The independent study examined a full year’s worth of claims data from Delta Dental and 17 other companies offering dental coverage. FAIR Health data was utilized to establish a universal baseline for average dental industry charges – consistent across all companies, geographies and procedures. How Delta Dental Delivers the Best Effective Discount Large Network Size Delta Dental is able to offer savings even to those enrollees who choose to visit a non-PPO dentist – a key benefit of our exclusive Delta Dental Premier network, the largest nationwide with more than 148,000 unique dentists.1 High Network Utilization Delta Dental delivers a national network utilization rate of more than 94 percent for its combined PPO and Premier networks, compared to an average PPO utilization of 63 percent for competitor networks.2 More in-network visits equal more savings. Direct Network ApproachLocal staff members foster strong relationships directly with dentists – establishing fair reimbursement rates and maintaining network stability. Count On Delta Dental  As America’s leading dental coverage provider, we serve more than 75 million people and provide coverage to over 139,000 groups nationwide.  To learn how Delta Dental can help you and your organization, visit us at deltadental.com.     1 March 2017 Independent NetMinder Data; based on the Delta Dental Premier® network 2 Ruark Consulting LLC’s 2016 Dental PPO Network Study

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