DENTAL INSURANCE
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We, at AMERICAN DENTAL CONSULTANTS accept most of the available dental insurances to our lovely patients. We have a professional staff that can explain each and every break-down of all dental insurance plans, (Individual and Family) plans.
There are many dental insurance plans available out there such as: Delta Dental, Aetna Dental United HealthCare, Cigna Dental, Guardian Dental, DenteMax Dental, United Concordia, Altus Dental, MetLife Dental, Blue Cross BlueShield, Masshealth and others. Our dental offices are able to take most dental insurance coverage. At our offices, we gladly accept Metlife dental coverage, United healthcare dental, delta dental, blue cross blue shield dental and many more. Scroll below to read more about the insurances that we accept.
We are always happy and near to answer any question or concern, keeping the patients' privacy and satisfaction at our highest priorities.
Read more information about each dental Insurances
Delta Dental is the largest dental plan system in the United States. The Delta Dental Plans Association is composed of 39 independent Delta Dental member companies operating in all 50 states, the District of Columbia and Puerto Rico. These member companies provide coverage to 68 million people, enrolled in over 120,000 groups.[1] While many of the Delta Dental member companies and Delta Dental Plans Association (DDPA) are non-profit organizations, a few of the member companies have for-profit segments.
Delta Dental member companies serve more than one third of the estimated 166 million Americans with dental insurance.[2]
Delta Dental's roots go back to 1954 with the formation of dental service corporations in California, Oregon and Washington, which were created by dentists who recognized the need to increase access to oral health care. Led by Washington Dental Service (WDS), Delta Dental began by providing dental benefit programs for organized labor unions. WDS underwent a rebranding campaign in 2013 and now goes by the name Delta Dental of Washington.
From Delta Dental Website…
1-Delta Dental PPO℠
Higher Savings, Lower Premiums, And A Quality Network.
This PPO provides a high-quality dental network along with significant discounts — typically up to 25% savings over participating dentists’ usual and customary fees.
Over 183,000 dental locations nationwide and more than 2,500 dental locations in Massachusetts participate in our PPO network. All are credentialed to National Committee for Quality Assurance standards.
Coverage for diagnostic and preventive care, including routine checkups, restorative care and oral surgery
No claims forms to fill out when services are provided by a participating dentist
No balance billing by participating dentists
Coverage for services performed by non-participating dentists are reimbursed at a lower benefit level
Savings generated through a combination of our negotiated fees, our claims processing, and our utilization management program
Special plans for smaller businesses (10-49 employees)
Rollover Max, which allows a portion of a member’s unused annual maximum to be carried over to the next year, for greater value. Limitations apply, and some programs exclude this feature. Please refer to your benefit materials or contact customer service for more information.
2-Delta Dental Premier®
The Most Choice For Members.
With three out of four dentists in the country and 96% of Massachusetts dentists participating in the Delta Dental Premier network, it’s our largest. This managed fee-for-service program works like a traditional plan, providing access to a Delta Dental dentist almost anywhere in the country — with up to 10% claims savings over traditional indemnity plans.
MetLife, Inc. is the holding corporation for the Metropolitan Life Insurance Company (MLIC),[2]better known as MetLife, and its affiliates. MetLife is among the largest global providers of insurance, annuities, and employee benefit programs, with 90 million customers in over 60 countries.[3][4] The firm was founded on March 24, 1868.[5] MetLife ranked No. 43 in the 2018 Fortune 500 list of the largest United States corporations by total revenue.[6]
On January 6, 1915, MetLife completed the mutualization process, changing from a stock life insurance company owned by individuals to a mutual company operating without external shareholders and for the benefit of policyholders.[7] The company went public in 2000.[8] Through its subsidiaries and affiliates, MetLife holds leading market positions in the United States, Japan, Latin America, Asia's Pacific region, Europe, and the Middle East.[9] MetLife serves 90 of the largest Fortune 500 companies.[10] The company's principal offices are located at 200 Park Avenue, New York City in Midtown Manhattan, New York City, though it retains some executive offices and its boardroom in the MetLife Building, located at 200 Park Avenue, New York City, which it sold in 2005.[11]
In January 2016, the company announced that it would spin off U.S. Retail business, including individual life insurance and annuities for the retail market, in a separate company called Brighthouse Financial.[12] They will maintain the MetLife name on MetLife Stadium.[13]On March 6, 2017, the separated U.S. Retail business launched Brighthouse Financial – an independent company focused on life insurance and annuities.
From MetLife Dental Insurance Website….
MetLife TakeAlong DentalS
Individual dental insurance is a smart option to help you protect your smile — and your savings.
Your smile is important to you, but it can be expensive to keep healthy. And while it can be hard to find the right dental program to meet your needs, MetLife can help. Our programs reflect dental trends and insights from administering dental benefits for over 20 million people. So you can feel confident you’re making the right choice for your smile.
Our dental programs offer you robust coverage with one of the largest dental networks, so you can worry less about the cost of getting the care you need. Best of all, you can continue to see your dentist — typically saving more if your dentist is in-network.1 With MetLife TakeAlong Dental, you get:
Lifelong coverage you can count on no matter where life takes you.
Big savings because our network negotiated fees average 36% below the average dental fees in the same area.2
Choice to see your dentist, even if he/she is not in our network.
Coverage for hundreds of services/procedures, including: cleanings, x-rays, fillings, sealants, root canals, crowns, and orthodontics.3
Program options to balance cost with your unique needs.
And when you need help understanding what’s right for you, our educational tools and resources can help make taking care of your smile a little easier.
What Are The Dental Programs Available Through MetLife TakeAlong Dental?
You can choose from several dental PPO program options—individual dental insurance policies featuring a Preferred Provider Organization. These programs give you the choice to see your dentist. And if your dentist participates in our network, you’ll typically save more on covered services.1 For more information, go to metlifetakealongdental.com and enter your ZIP Code to see the programs available in your area.
Blue Cross Blue Shield Association (BCBSA) is a federation of 36 separate United States health insuranceorganizations and companies, providing health insurance in the United States to more than 106 million people.[2]Blue Cross was founded in 1929 and became the Blue Cross Association in 1960, while Blue Shield emerged in 1939 and the Blue Shield Association was created in 1948. The two organizations merged in 1982.
Blue Cross and Blue Shield developed separately, with Blue Cross providing coverage for hospital services and Blue Shield covering physicians' services.[3]
Blue Cross is a name used by an association of health insurance plans throughout the United States. Its predecessor was developed by Justin Ford Kimball in 1929, while he was vice president of Baylor University's health care facilities in Dallas, Texas.[4] The first plan guaranteed teachers 21 days of hospital care for $6 a year, and was later extended to other employee groups in Dallas, and then nationally.[4] The American Hospital Association (AHA) adopted the Blue Cross symbol in 1939 as the emblem for plans meeting certain standards. In 1960, the AHA commission was superseded by the Blue Cross Association. Blue Cross severed its ties with the AHA in 1972.
From Blue Cross Blue Shield Website…
How Dental Insurance Works
At Blue Cross Blue Shield of Massachusetts, we want to help keep you healthy from head to toe, and that means good dental care. All Dental Blue® plans cover you for preventive dental care services and other services like fillings, care for infections, crowns, and more.
Dental Blue
Offers a network that includes nearly 90 percent of dentists in Massachusetts and Rhode Island.
Dental Blue PPO
Gives you the freedom to visit any dentist you wish, with access to more than 103,000 dentists nationwide.
Dental coverage must be purchased through your employer or plan sponsor. Please contact your benefits administrator for the specifics of your plan.
For Our Members Living In Rhode Island
We are required by the Rhode Island Department of Health (DOH) to provide you with access to a consumer disclosure notice. This helpful guide can help answer many common questions about your health plan. Download the consumer disclosure notice. For additional information, you may also want to visit the Rhode Island Department of Health website and read the Consumer Guide to Health Plans in Rhode Island. Dental products must be purchased through your employer. Please contact your benefits administrator regarding the specifics of your plan.
Dental Blue® Indemnity Plan
What Is A Dental Blue® Indemnity Plan?
Dental Blue is our traditional indemnity dental plan. It offers access to:
A network of nearly 90% of the practicing dentists in Massachusetts and Rhode Island
Nearly 65,000 credentialed provider locations nationwide through the DenteMax network
UnitedHealth Group Inc. is an American for-profit managed health care company based in Minnetonka, Minnesota. As of 2018, it is ranked #5 on the Fortune 500 rankings of the largest United States corporations by total revenue.[3] UnitedHealth Group offers health care products and insurance services. UnitedHealth Group is the largest healthcare company in the world by revenue with $201 billion in 2017. UnitedHealth Group subsidiary companies together serves approximately 115 million individuals in 2016.
Beginning in 2011 and continuing into 2012, UnitedHealth Group implemented an enterprise reorganization. This coincided with retiring brands adopted following the various acquisitions of previous years and adopting the unified brand UnitedHealthcare. The firm decided to refocus its UK business solely on commissioning support under the name of Optum, and exploit the opportunities presented by the United Kingdom Government's NHS reforms in 2011. Towards this end, it sold its six primary care clinics.[4]
From UnitedHealth Website…
It’s Time To Plug The Hole In Your Health Coverage
There’s an old song that says, “Let a smile be your umbrella on a cloudy day.”
Question: How is a smile like an umbrella?
Answer: You don’t want holes in either of them.
Your health care coverage is something else you don’t want to have holes in, but the truth is, many of us do. For a large portion of Americans, not having dental insurance is that hole. As of 2016, about 74 million people in the United States were not covered by a dental plan of some kind.1 And that’s despite the fact that most medical insurance plans don’t cover even routine dental care.
Dental insurance is coverage for common dental care services ranging from preventive care like routine cleanings to more major services like root canals. At its best, it can help you not only budget for those dental services but also maintain a good dental care routine.
Golden Rule Insurance Company has dental plans that are just the right kind of filling to smooth out that hole in your health care coverage.
Dental Insurance vs. Dental Discount Plans
Looking for affordable dental insurance? Don’t be fooled by those dental discount plans promoted online. Those plans aren’t a form of cheap dental insurance. A dental discount plan acts like a coupon, giving you a limited discount on certain treatments at select dental offices.
Golden Rule Insurance Company dental plans offer more than those dental discount plans. They provide you and your family with the choice of the level of dental coverage that’s right for you and the choice of provider, with access to a nationwide network of dentists to find the one that’s right for you.
In-network dentists provide care at negotiated rates. And if your preferred dentist isn’t part of the network, that’s okay. We’ve got a plan for that, too. While your dental-care savings might not be as great, you can file your claim and receive your reimbursement directly.
Aetna Inc. (/ˈɛtnə/) is an American managed health carecompany, which sells traditional and consumer directed health care insurance plans and related services, such as medical, pharmaceutical, dental, behavioral health, long-term care, and disability plans. Aetna ranked No. 49 in the 2018 Fortune 500 list of the largest United States corporations by total revenue.[3]
In June 2017, the company announced plans to move its headquarters to New York City in late 2018.[4] On December 3, 2017, it was announced that CVS would purchase Aetna for an estimated $69 billion, a deal which The New York Times reported would "reshape the American health care industry".[5] In doing so, CVS announced the company's headquarters would remain in Hartford, scrapping plans to move to New York City.[6]
Aetna offers health care, dental, pharmacy, group life, disability, and long-term care insurance and employee benefits, primarily through employer-paid (fully or partly) insurance and benefit programs, and through Medicare. Membership numbers: (as of September 30, 2016)[7]
From Aetna Website…
Living Healthy
Take small steps to break bad habits and create good ones. Explore expert tips that empower you to eat better, get active, sleep well and stress less — and care for your mind, body and spirit.
Your Best Health
While many only think of us when they're at the doctor, we're with our members from their first appointment to their morning jog, to the night one decides to quit smoking to the day another checks out yoga. Wherever your health journey takes you, we’ll be there.
We Want To Keep You Smiling For A Lifetime
Most people know that it’s important to brush, floss and visit their dentist regularly. But more often than not, individuals don’t realize that a healthy mouth can help reduce the risk of developing medical problems such a heart disease, stroke and more.
Taking Care Of Your Child's Teeth
Explore tips to help you keep your child’s teeth healthy, from your baby’s first trip to the dentist to your teen’s tooth brushing habits.
Diabetes And Your Mouth
People with diabetes may be at greater risk for gum disease, as well as other mouth conditions. Here’s what you need to know.
Learn More About Private Dental Insurance
The Scoop On Dental Discount Plans
A discount dental plan may be worth considering if you don’t have dental insurance. These discount plans aren’t dental insurance. They are a type of membership, similar to a warehouse club, but rather than getting bargains on food or clothing, you get discounted prices on dental services.
How Do Dental Discount Plans Work?
With discount plans, members pay an annual fee up front instead of monthly installments or premiums like traditional dental insurance. You are given a dental discount card, which you present at each dentist visit to get the lower prices on services.
These plans don't reimburse the dentists as regular insurance does. Instead, you pay the dentist directly. But remember, you must use a dentist in your plan’s network in order to get any discounts. Otherwise you’ll pay full price.
Savings With Dental Discount Cards
What sort of discounts can you expect with a dental card? Of course it will depend on where you live and which plan you choose, but there are two ways to save:
Services
Since the services are provided by a network of dentists who have agreed to charge less, you could get 10–60% discounts on services.1 However, all services may not be available with these plans, so be sure to compare the list of services against any other plans you’re considering.
Monthly fees
How do the monthly fees stack up, on average?
For typical dental insurance, the cost would be $144 to $600 per year, per person.2 For a dental discount plan, the cost would be approximately $75 to $100.3 Again, the fees may be less, but the services may also be fewer.
Dental Discount Plans Vs. Insurance
With insurance, cleanings and exams are typically covered at 100%. For any other dental work, you’ll pay a percentage of the service out of pocket, often 20–50%.4All services count toward your annual limit.
An advantage to a discount plan is that there is no limit to the amount of care you can get during the year. You will pay out of pocket for every discounted service, but you can use as many services as you like each year.
For people with few dental problems and a relatively healthy mouth, a dental discount plan may save money over traditional insurance. But if you have ongoing dental issues, or a medical condition that affects your teeth or gums, you may end up saving more with insurance. (As long as you stay under your plan’s annual limit.)
Learn More About Private Dental Insurance
The term “private dental insurance” (also commonly known as “commercial dental insurance”) typically refers to either individual dental insurance plans or dental plans offered through employers. Public dental coverage is coverage that is offered to eligible members of governmental health insurance programs, such as Medicare programs.
Humana offers a range of dental insurance and dental discount plans. Depending on your situation, you may choose an individual dental plan for yourself and your family, choose a Humana dental plan offered through your employer, or select supplemental dental benefits through Humana’s Medicare options.
One type of private dental insurance is coverage that you purchase for yourself and your family based on your unique needs. Humana offers a variety of dental insurance and dental discount plans based on your state of residence.
Get more information about the individual dental plans offered in your state
Another type of private dental insurance is group dental insurance that is offered to you and your family through your employer. With group dental insurance, an employer selects the dental insurance plans that employees can choose from. If you have questions about the dental coverage offered through your employer, please contact your employer directly.
If you are eligible for Medicare, you may select optional supplemental benefits to enhance your Medicare plan. These could include dental coverage, vision coverage and fitness programs.
Find out more about supplemental benefits for Medicare
Source: www.humana.com