Delta Dental – With Delta Dental, there are two different PPO plans available to customers including the Delta Dental PPO and the Delta Dental PPO plus Premier plan. In the Delta Dental PPO, dentists are top fee schedules as payments in full and are prohibited from billing and collecting fees in excess of the agreed upon schedule. The Premier plan adds a certain financial security for enrollees and and groups not seen elsewhere.
Metlife – Metlife offers one of the nation’s largest networks meaning that there is less disruption to the plan; there is still the option to go outside the network and still receive great benefits. Negotiated dental fees range from 15% – 45% lower than the average charges with the fees possibly expanding to non-covered services.
Aetna – Covers preventive care which includes check-ups, cleanings and x-rays and is almost always completely covered. This insurance also covers a variety of different services ranging from fillings to root canals and crowns.
Cigna – Cigna has three different PPO plans which include the Cigna Dental Preventative, Cigna Dental 1000, or the Cigna Dental 1500. In the first plan, there is no yearly maximum, no deductible and all of the preventive and diagnostic services charges. With Cigna Dental 1000, the plan pays up to $1,000 annually after a $50 individual/$150 family annual deductible. The Cigna Dental 1500 is nearly identical to the 1000 plan other than that it pays up to $1,500 annually.
Bluecross – At Bluecross, there are two different plans: Dental Blue Basic Plan and the Dental Blue Enhanced Plan. In both plan, preventive services are completely covered within the network and 80% covered outside of it (after a six month waiting period for the basic plan). There is a 20% fee for fillings inside the network and 40% when going beyond the network. The deductibles for individuals are both $25 with the enhanced plan costing $150 per family.
United – Consumer MaxMultiplier, FlexAppeal Preventive MaxMultiplier, and the FlexAppeal Enhanced are all different kinds off PPOs offered within the United plan. The first option is designed for you to come see us regularly and will give you extra coverage as a reward. With the second option, regular preventative care is the mainstay of this plan as these services will be paid for while taking nothing away from your deductible. There are three major benefits in the third plan which includes additional cleanings for gum treatments, white fillings for back teeth, and dental implants.
Concordia – With Concordia, preventive services are not included in the deductibles; deductibles are $100/300 with an $1,000 annual maximum. For qualifying members, there is 100% coverage for periodontal services. In most non-covered services, there is an average discount up to 30%.
Assurant – With the Secure Choice Individual Plan, there are no deductibles, no claim forms, and no annual maximum and has a fixed copayment schedule for Plan Dentists and Plan Specialists.
Guardian – The biggest catch in the Guardian’s PPO plan is that you have an average savings of 30%, which allows you to save money on treatments while protecting the health of you and your teeth at the same time. You will also know what your payment will be in advance as a pretreatment cost estimate will be provided. In the Premier Access plan, everything in the basic plan is available but the savings are far greater.
Ameritas – Ameritas offers three different plans including the Value Source, EssentialDental, and $ensibleChoice. Firstly, Value Source offers benefits that are reasonably priced for each individual. EssentialDental allows the customer to get good coverage for all the basic needs at our dental office. The $ensibleChoice bases reimbursement on the dollar amount of your plan member’s expense for dental care.
We accept all of them.