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Dozens of plans to choose from Everyone needs dental care. Finding the right value is an important step in purchasing affordable dental insurance coverage. Both types of dental plans (dental insurance and discount dental plans) have advantages and disadvantages and one size does not fit everyone. Keeping this in mind is an important rule when you shop for the dental plan that best fits your needs.  1. TRUE DENTAL INSURANCE Benefits provided by SafeGuard Health Plans, Inc., a MetLife company     This is a 34 year old company, with 1.8 million members, owned by the largest Dental Insurance Company in America. Pre-Existing Conditions are Covered No Waiting Periods No Dollar Limits, NO CHARGE for 2 Routine Cleanings Per Year, NO CHARGE for some Fillings, NO CHARGE for X-RAYS, $5 Extractions, $210 for Dentures (Per Upper/Lower), $185 Crowns, $2195 for Braces, and Over 345 Other Covered Procedures.   MORE INFO Additional Great Benefits.... -Drug Card • You can use anywhere in the country • Up to 60% off generic; from 10%-30% off preferred name brand • May order 3-month supply through mail -Vision Benefits • 12,000 eye care locations nationwide • 20% to 60% discounts on eyeglasses • 10% to 20% discounts on contact lenses (excluding disposables)   Get Rates & Apply Enroll By Phone - Call Susan at (469) 293-7080 Plan Info Provider Info        2. 30+ discount dental plans Why pay more!     An affordable alternative to dental insurance. Save 10% to 60% on most dental procedures, including checkups, cleanings, braces, and cosmetic dentistry on select plans.   Provider Finder Plan Info       3. Careington International discount plans     Careington Multi-Care • Dental - 20%-60% off most procedures; 63K providers • Vision - 20%-40% off retail price of eyewear; 40K providers • Hearing - Largest provider audiology/hearing aid services • Chiropractic & Alternative Health; 30K providers • Diabetic Supplies • Care24 Nurse Line with Optum • Pharmacy Discounts with Caremark $10.95 monthly or $99.00 annually (A 25% Savings) For detailed information, please contact Susan 469-293-7080, contact us.   PLAN DETAIL: C500 Schedule of Benefits FEB2010 POS CI-5 Schedule of Benefits FEB2010     (B) Provider Finder Plan Info   Apply Here       4. DeltaCare USA Dental Program HMO plans for individual, family and senior     DeltaCare® USA: 30 years of experience administering prepaid dental plans 1.2 million enrollees around the country Large network - 21,000 dentist in more than two dozen states DeltaCare USA plans: Prepaid plan that features set copayments Enrollees must select a primary care dentist in the network No annual maximum on general services and no deductible No copayments for most diagnostic and preventive services Conveniently located network of private and group dental offices Sample coverage:   D0120 Periodic oral evaluation – established patient No Cost   D0274 Bitewings radiographs - four films - limit 1 every 6 months No Cost   D0330 Panoramic film No Cost   D1110 Prophylaxis cleaning - adult - 1 per 6 month period $ 15   D1120 Prophylaxis cleaning - child - 1 per 6 month period $ 15   D2140 Amalgam - one surface, primary or permanent $ 26   D3330 Root canal - molar (excluding final restoration) $ 270   D6740 Crown - porcelain/ceramic $ 395   Provider Finder Plan Info       5. Delta Dental Insurance DELTA FOR EVERYONE     Four plans to choose from Free choice of dentist Benefits up to $1200 per calendar year 6 month waiting period basic 12 month waiting period for major and ortho Benefits increase after the first and second years $100 lifetime deductible on ortho Ortho benefits for dependents included at no extra charge Keep your dental plan regardless of age   Select the plan that best fits your needs! Indemnity PPO Plan Info Provider Finder       6. MEDICO Insurance Dental, Vision & Hearing     Benefits:  Once the $100 Policy Year Deductible is satisfied, your policy pays for covered expenses, not to exceed Reasonable and Customary Charges, up to the Policy Year Maximum. 60% - First Policy Year 70% - Second Ploicy Year 80% - Third Policy and thereafter You choose between a $1,000 or $1,500 Policy Year Maximum at the time of application. Our Dental, Vision and Hearing Insurance includes a standard $100 Policy Year Deductible. Some benefits are subject to a six month or one year waiting period.   Apply Here        7. Dental Plans Many more discount & insurance selections     Dental Insurance & Discount Plans Discount Card Dental HMO Scheduled PPO-Fee Schedule Indemnity Premier (Indemnity) PPO   Select the plan that best fits your needs!       Dozens of plans to choose from Everyone needs dental care. Finding the right value is an important step in purchasing affordable dental insurance coverage. Both types of dental plans (dental insurance and discount dental plans) have advantages and disadvantages and one size does not fit everyone. Keeping this in mind is an important rule when you shop for the dental plan that best fits your needs. WHAT DO THESE CHOICES MEAN Discount Card Discount cards are offered as a way to lower the cost of dental care. These cards are especially attractive for people who do not have dental insurance for these services or who have inadequate dental insurance. Discount cards allow for unlimited use of services by using a dental network and are based on a discounted fee schedule. The cost of your membership card is small compared to the potential savings for you and your family. Dental HMO Dental Health Maintenance Organization. An organized system of dental health care that provides comprehensive and affordable care to you through a network of highly qualified dentists. There are no waiting periods, calendar year maximums or deductibles and no claim forms. With these plans, you are responsible for the copayment for each service. Indemnity An indemnity plan is commonly known as a traditional plan. If you select an Indemnity plan you have the freedom to visit any dentist. Indemnity plans typically pay a percentage of "usual,customary and reasonable" charges for covered services. Many dental indemnity plans also require a deductibe and waiting periods before covering certain services. Premier (Indemnity) A Premier (Indemnity) plan is commonly known as a traditional plan. If you select a Premier plan you have the freedom to visit any dentist. Premier plans typically pay a percentage of "usual,customary and reasonable" charges for covered services. Many dental premier plans also require a deductibe and waiting periods before covering certain services. PPO-Fee Schedule With a PPO, you will receive dental care from a dental network. The participating dentist agrees to charge you less than the usual fees therefore providing you with more savings. You may choose to see a dentist who is not part of the dental network, but reimbursements will be limited to a fee schedule with any balance due being the responsibility of the member. PPO's do include a calendar year maximum, a deductible and have waiting periods on certain procedures. PPO A PPO plan provides the opportunity to reduce your out-of-pocket costs by using an in-network provider, yet you are always free to select a dentist not associated with the PPO. If you choose to see a dentist who is not part of the dental network, your claim allowance is based on the Usual, Customary, and Reasonable charges for 9 out of 10 dentists in the area where dental services were performed. PPO's do include a calendar year maximum, a deductible and have waiting periods on certain procedures. Scheduled A scheduled plan or scheduled reimbursement plan reimburses you for a specific amount based on a fee schedule with any balance due being your responsibility. Scheduled plans do include a calendar year maximum, a deductible and have waiting periods on certain procedures. A Scheduled plan shows every covered procedure and the amount you will be reimbursed for each procedure. For example, if the insurance reimburses $47 for a cleaning, and your dentist charges you $50 for a cleaning, you would be responsible for the difference of $3.   texas health insurance Individual & family health insurance    texas medicare supplement insurance Senior health texas group insurance Texas Small Group 2-50 employees texas dental insurance Dental plans for  beautiful smiles texas life insurance Protecting our loved ones travel health insurance International travel health insurance texas student insurance Student health insurance plans texas short term insurance Texas Short Term health plans texas insurance product list
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