 5 Minute Guide to Selecting a Dental Plans and Dental Insurance
With discount plans, PPO, DHMO, indemnity and other combinations of dental plans and insurance, it can be confusing as to which plan is best. At times we think we should just post one or two plans to make your selection easier.
So, to help those who do not want to read every page on this web site and want a guiding hand to show them “the way”, we are going to give you a fast overview of the plans we offer and actually offer an opinion. Remember, this is our opinion. If a new plan comes along, I might change this page to reflect the new plan.
We offer four types of plans.
PPO – We have the Guardian PPO dental insurance plan. This plan is available in all 50 states. It is expensive. But, if you want a true, group-like PPO dental plan, this is it. Candidly, I do not think it is worth the money. If someone else is paying for it, what the hell.
We also have the Select Dental plan (). This is a hybrid plan. There are two parts to this plan.
There is a PPO network. Your dentist may or may not be in the network, but you can search for them online. If your dentist is in network, you are entitled to the discounted PPO rates for all services.
The second part of this plan is the indemnity portion. Indemnity means that they will pay you specific amounts based on what procedure is being performed.
When you put the two parts together, it is an excellent plan and a great value. Since this page is all about my opinion – I like this plan.
Indemnity – We also offer a pure indemnity plan. This plan is essentially just like the second part of the Select Dental plan I just described. It is a little cheaper and has no network. However, they do pay a decent amount for the scheduled procedures.
If you cannot find your dentist in the Select plan network, see if you can find them in one of our discount networks. You can buy the indemnity plan and the discount plan and use them together. They combine to make an awesome plan at a very reasonable price. Better in my opinion than most overpriced PPO plans.
Discount – These plans are usually under appreciated. I have a discount plan and love it. The trick is finding a dentist in the network that you like. If you do, the plans are very inexpensive and have no waiting periods for major work. . We have these plans in all 50 states.
DHMO – This is a dental HMO plan. If you live in Florida, New York, New Jersey or Texas, I have a great DHMO dental plan for you. The price is right and the benefits are excellent.
Go to our quote page and look at the Guardian DHMO for NY and NJ or the SafeGuard DHMO plans for Texas and Florida.
With a DHMO, you have a primary dentist, similar to medical HMO plans. If you need a specialist, they make a referral.
Finding Your Dentist - If your dentist does not appear in any of our networks, it means that he or she does not accept any of our plans. Don't call me up wondering how you can make them magically appear. Find another dentist. Believe it or not, after ten years or so, one is just as good as the next (except for my dentist). Seriously, find a dentist in one of our networks, there are plenty of good ones. They will all sedate you and not cause you any excessive discomfort. Unless you are into that sort of thing.
Now you don't have to read my entire site. Everything you needed was right here.
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