• Access Dental

• Aetna DMO

• Aetna PPO

• American Dental Care Inc.

• American Health Guard

• Ameritas PPO

• Anthem Blue Cross Dental Net

• Assurant

• Avia Dental Plan

• Benefits Unlimited Inc.

• Blue Cross

• Blue Cross of CA (Prudent Buyer)

• Blue Shield of California

• California Benefits Dental Plan

• California Dental Network

• Cigna

• Delta Dental NE (NorthEast)

• Delta Dental of AR

• Delta Dental of CA

• Delta Dental of GA

• Delta Dental of KS

• Delta Dental of MA

• Delta Dental of MN

• Delta Dental of MO

• Delta Dental of PA

• Delta Dental of TN Dental Benefit Providers UHP

• Dental Health Services

• Dental Wellness Partners

• DHA

• First Dental Health

• Golden West

• Golden West PPO

• Guardian PPO

• Health Net

• Humana Dental

• Jaimini Dental

• Laborers Health & Welfare Trust For Southern CA

• Liberty Dental

• Manage Dental Care

• Met Life

• Pacific Union

• Pacificare

• Pacificare PPO

• Premier Access

• Primecare

• Principal Life

• Safeguard

• Safeguard PPO

• SafeHealth Life PPO

• United Dental California

• United Concordia

• United Healthcare Dental

• Wellpoint

• Western Dental

Insurance FAQ

What's the difference between Indemnity, PPO, HMO, & Discount insurance plans?
 

Indemnity or Traditional Insurance reimburses members or dentists at the dentist's UCR (Usual, Customary & Reasonable fee).  This allows the subscriber to go to any dental office without being limited to a panel. 

PPO (Preferred Provider Organization) is the most common form of insurance.  They provide members with a list of participating dentists to choose from.  The dentists on this list have agreed to a lower fee schedule, which provides you with greater cost savings.  They also assist with insurance billing.  Most companies pay 50% on major treatment (crowns, bridges, partials), 80% for basic care (fillings), and up to 100% for preventative care (exams, x-rays, basic cleanings).  Annual maximums generally range from $1,000 to $2,000.

HMO (Health Maintenance Organization), also known as capitated or prepaid insurance, was designed to provide members with basic care at the lowest rate.  Participating providers receive a monthly capitation check for patients assigned to the office.  This amount is only a few dollars and is intended to offset the administrative costs.  HMOs generally don't pay for services rendered.  Fees are usually greatly reduced, but the patient is solely responsible for paying the doctor.

Discount Plans simply consist of a panel of dentists that have agreed to a reduced rate, with the subscriber being solely responsible for the entire portion.  There is no billing or annual maximums.

What's a covered benefit?
Treatment that is recommended by a dentist, is listed on the fee schedule, and accepted under the terms of your group's plan.
 

What's optional treatment?
Treatment that is either not listed on your fee schedule or more than the minimum to restore the tooth back to its original function.