Dental – Group Coverage

Group Dental Insurance

Dental Insurance is amongst the most popular type of employee benefits offered by employers. It can be instrumental to help recruit and keep high quality employees. The needs of many people who require multiple visits to the dentist throughout the year raise the popularity of dental insurance. Additionally, many employers realize that dental coverage goes hand in hand with employee health insurance and can be a key component of the employee benefit package at a much lower cost than group health.

If you are considering dental insurance for your business, you can be assured Group Coverage, Inc. can find the best group dental insurance to fit your company’s specific needs.

Group Dental Insurance

If you are considering dental insurance for your business, you can be assured Group Coverage, Inc. can find the best group dental insurance to fit your company’s specific needs.

DHMO - Dental Health Maintenance Organization

A dental health maintenance organization is occasionally referred to as a capitation dental insurance plan. It is a type of insurance where a group of dentists, or a single dentist, joins in a contract with the DHMO to offer dental treatment for the patients who are a part of the DHMO. The organization pays the dentist a certain amount per patient per month who are enrolled in the group. However, some carriers may implement a fee-for-service basis in which the dentist is paid for the services rendered, rather than a fixed amount per patient. Sometimes, if the contract specifies, the patient pays a co-payment for certain treatments while paying nothing for standard treatments such as exams and cleanings. In Addition, there are usually no claim forms. In a DHMO, the patients must visit only dentists that are part of the DHMO network.

Dental EPO - Exclusive Provider Organization

An exclusive provider organization is a network of dentists that are united with the insurance company to provide care at a reduced cost. In return, the EPO pays most of the cost of the patron’s dental care needs. An EPO is a closed dental plan, so customers can only visit the dentists that are in the plan so it differs from the PPO in that regard. Generally, an EPO does not pay the dentists until services have been rendered for the customers.

Dental POS - Point of Service

A Dental point-of-service (POS) plan permits a member to use either a DHMO/DMO network dentist or to seek care from a dentist not in the DHMO/DMO network. Members decide on in-network care or out-of-network care at the time they make their dental appointment and typically incur higher out-of-pocket costs for out-of-network care. Out-of-network care can be subject to a deductible, co-insurance, usual and customary fees, and benefit limitations.

Dental PPO - Preferred Provider Organization

A preferred provider organization dental plan is dental coverage that is part of a network insurance system. Dentists sign up for the PPO network hoping to acquire more patients. The dentists offer lower rates for the clients of a particular dental insurance carrier, in return for the referrals the insurance company provides. Patients have the choice of choosing from a network of specific dentists or seeking dental care out of the network. However, choosing out-of-network care may result in higher fees or decreased benefits.