Dental
At Bongiovanni Insurance and Financial we are committed to helping you with every aspect of your life. Dental Insurance is an essential way to protect you and your family from financial hardship due to dental expenditures.
To get a FREE QUOTE or to apply click here.
Dental Insurance Overview
Dental Insurance is insurance designed to pay the costs associated with dental care. Dental insurance pays a portion of the bills from dentists, and other providers of dental services. By doing so, dental insurance protects people from financial hardship caused by unexpected dental expenses.
Dental Insurance Plans
Various dental insurance plans are available for individuals in the U.S. and are designed to help offset the costs associated with necessary dental care. Plans have limitations on the number of dental visits, radiographs (X-rays) and treatments that are covered, and other services may be excluded. Some plans only reimburse patients when the least expensive treatment alternative is selected; other plans do not provide coverage for necessary treatments of pre-existing conditions.
Dental Insurance Plan Choices:
- Indemnity Plan: An indemnity dental insurance plan allows you to select your own dentist. These plans are considered fee-for-service and come with limitations and co-payment options. This means that you pay a flat fee for the dental visit, but you have an annual limit on coverage for dental spending, and specific coverage limits may apply to individual dental procedures.
- Self-Insurance Plan: Self-insurance dental plans may be similar in nature to indemnity plans, but you might not be able to select your own dentist.
- Closed Panel Plan: Closed panel dental plans limit you to using a specific group of facilities and the number of dentists available to you.
- Capitation Plan: Capitation dental plans designate specific dentists for intervals of treatment. These dentists have a contract indicating that they will be paid a fee regardless of whether dental treatment was required.
- Preferred Provider Organization (PPO): PPO dental plans are limited to a group of dentists who are available to provide dental care at a reduced cost.
- Direct Reimbursement Plan: Direct reimbursement dental plans allow employers to directly reimburse employees for dental services they receive.
- Dental Care Service Plan: Dental care service plans use a group of dentists who form a non-profit organization to provide dental services at set fees.
Group Dental Plans
Group health insurance can make a work situation more appealing to potential and existing employees, sending the message that the company cares about the over-all well being of those who work under their care. Group dental insurance plans are tax deductible. Every small business owner should at least see if their business qualifies for health coverage or group because both can help their business grow. Group dental plans are also offered on a voluntary basis.
For more information please call (203) 237-7900 or click here
|
