Dental Plan Innovations for 2008
Three innovate new dental plans for individuals offer coverage options to individuals who buy their own coverage. These new plans are available in most states throughout the United States. They share an innovative approach to dental benefits that marks a significant improvement in consumer value over individual dental plans of the past. By combining preferred provider discounts for routine care (that are not insurance benefits) with insurance for other items, the plans are often priced less than traditional dental plans of the past.
Secure DentalOne is a low cost individual dental insurance with a $100 lifetime deductible per person, with rates starting as low as $5 per person per month. This insurance three plan designs - BasicOne, ClassicOne, PremierOne - with freedom to select your own dentist, optional OrthoCare Orthodontic Discount Program. The primary advantages of these plans are: 1) freedom to choose any dentist, 2) immediate coverage for preventative coverage, 3) pays based on the Reasonable and Customary Fees, 4) automatic acceptance, 5) Eligible for ages 18 through 64, 6) premium payment can be made by automatic bank draft, Visa, MasterCard, or Discover, and 7) Orthocare providers in your Area can be found online at www.amdps.com.
The plan is insured by Standard Security Life Insurance Company of New York, a carrier with a strong consumer reputation and proven track record in individual health insurance. This coverage is available in 43 states and D.C. (available in all states except Kansas, Maryland, Minnesota, Mississippi, Montana, New Hampshire, New Jersey, New York, Vermont, Virginia and Washington). Learn more, get prices and enroll online.
CAREINGTON Extended Dental PPO Plan is a hybrid dental product that combines insurance indemnity and discount services into one plan. This affordable new product is one of the most competitive dental plans in the industry - available at half the cost of traditional indemnity insurance plans. THIS PLAN WAS NOT AVAILABLE AT THE TIME THIS ARTICLE WAS PUBLISHED.
The CAREINGTON Extended Dental PPO Plan features three plan options for groups and two plan options for individuals. Depending on the plan option the customer selects, any of the following services can be included under the insurance portion of the CAREINGTON Extended Dental PPO Plan:
- diagnostic and preventative services (cleanings, check-ups, x-rays, etc.)
- basic services (fillings, simple extractions, etc.)
- major services (root canals, gum disease, oral surgery, crowns, bridges, dentures, etc.)
The key benefits of the CAREINGTON Extended Dental PPO Plan are:
Unlimited orthodontia discounts: Orthodontia treatments, on average, can cost $5,000 or more. While most insurance policies have a lifetime limit of $1,000 for orthodontics, the CAREINGTON Extended Dental PPO Plan features discounts of 20% for the duration of the orthodontia treatment. A 20% discount off the standard treatment cost of $5,000 yields the same savings as the lifetime benefit of most other insurance policies. However, if the orthodontia treatment exceeds $5,000, CAREINGTON Extended Dental PPO Plan participants will still be eligible for the 20% discount, providing even greater savings.
Negotiated fees guaranteed: With some dental plans, once the insured's benefits have been exhausted, the network dentist will charge regular, non-negotiated fees for additional services. However, with the CAREINGTON Extended Dental PPO Plan, members can continue to receive additional services at the negotiated discount rate - even after the insurance benefit has been exhausted.
Same network for all services: The CAREINGTON Extended Dental PPO Plan uses the CAREINGTON Dental Network for the insurance and discount portions of the plan. The negotiated discount fees continue after the insurance benefits have been exhausted, allowing members to continue to see the same dentist.
Cosmetic services included: The plan includes negotiated discounts on traditionally non-covered cosmetic dental treatments such as bonding, veneers, resin fillings and implants.
CAREINGTON Extended Dental PPO Plan is underwritten by Standard Life and Accident Insurance Company, rated A (Excellent) by A.M. Best, and administered through Morgan-White Administrators, Inc.
Click here for the PDF download of the CAREINGTON Extended Dental PPO Plan rates for groups and individuals.
THIS PLAN WAS NOT AVAILABLE AT THE TIME THIS ARTICLE WAS PUBLISHED.
In addition, American Health Shield offers a new fully insured traditional dental plan for 2008. This moderately priced high quality dental insurance with liberal benefits. Cost of single coverage averages $30-35 and family coverage is about $100 per month. Can be used with any dentist of your choice. Includes Orthodontic treatment! American Health Shield offers fast online quotes and secure online enrollment.