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1. Dental Insurance, What is an Indemnity Dental Insurance plan. Indemnity – Individual Dental Insurance This is the plan where you choose your own individual or family dentist. The dental insurance plan pays the dental office on a traditional fee-for-service basis. A monthly premium is paid by the client and/or the employer to an insurance company, which then reimburses them for the services rendered. A […]...
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3. How do I make sure that my dental work is covered. Question: I need to have three filling and one crown for a cracked back molar.  I do have dental insurance but when I ask the dental office staffing what I am covered for and for how much they do not seem to know or will not give me a direct answer. I told the counter […]...
4. Dental 4 Less, Understanding what Waiting Periods are in Dental Insurance Plans Many plans such as PPO’s and Indemnity dental insurance plans have waiting periods.  Even some HMO plans come with limited waiting periods.  However what are waiting periods how how do they effect you?   A waiting period is the number of months a plan member must be enrolled in the plan before certain procedures are covered […]...
5. Dental 4 Less, The Workings of PPO Dental Insurance Plans. When buying a dental PPO insurance plan understanding how it helps to reduce your dental care cost is important in buying the correct dental insurance plan for you and or your family.  PPO Dental insurance plans are based on a cost sharing concept.  That is where both you and your insurer pay a certain percentage […]...
6. Dental 4 Less, Understanding A Dental PPO Plan Dental 4 Less, Understanding A Dental PPO Plan ...
7. Dental 4 Less, Understanding A Dental HMO Plan Dental 4 Less, Understanding A Dental HMO Plan ...
8. Dental 4 Less, Waiting periods and dollars max limits Why do dental insurance plans have waiting periods and dollars max limits?  I am not sure I understand the reasoning behind making me buy a plan but not offering me the coverage I need for a year or sometimes longer.  Then if I do put up with that I get maxed out with a yearly […]...
9. Dental 4 Less, There is a Difference Between the Different Dental Plan Types Dental 4 Less, There is a Difference Between the Different Dental Plan Types ...
10. Dental 4 Less, Understanding What An Annual Maximum Limitation Is. When buying a PPO or an Indemnity (Free choice of provider) plan it is important to understand what an annual maximum limitation is and how it effects you.  Let’s say you go to your dentist for your cleaning and check up. After some X-rays they discover you have a tooth with bad dental decay and […]...
11. Dental 4 Less, Questions to ask yourself when buying a Dental PPO plan. Since we have talked about in prior post how a Dental PPO and Indemnity plans work and their limitation, when shopping for a dental insurance plan try asking yourself a few basic questions.  By doing this it will help you determent which plan is designed right for you. * Do you need any major dental […]...
12. Dental Insurance, What is Supplement Dental Insurance Dental Insurance, What is Supplement Dental Insurance...
13. Dental insurance help, Can I be arrested for an unpaid dental work. So here is my story.  A few months back I had dental insurance though my job.  I went and had some dental work done and paid my part of the dental services.   During the end part of my dental work I changed jobs and lost my dental insurance. Since I had paid for the dental […]...
14. How do I know if I am buying a good dental insurance plan for my family Question: My job will no longer be offering us dental insurance. I do not know what to look for when it comes to buying dental insurance on my own.  I always just got whatever my job gave to us and dealt with it. Can you give me some helpful advise on what I should know […]...
15. Dental 4 Less, How do I get dental insurance and stay with my dentist Question:  I have been seeing the same dentist for over six years and I really like him.  I do not want to change my dentist since in the past before I found him I had bad experiences with other dentist. My problem is he said is only a provider of Delta Dental but when I […]...