Managed Care Dental Insurace - HMOs, PPOs & POS Plan Guide Ringgold GA
Company: Lundy Insurance Group, Inc.
Pension for Highly Compensated Owners,Stock Market Alternative,Alternative Investments,Disability Insurance,Annuities,Annuity Ideas & Strategy Planning,Asset Protection Strategies & Planning,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Medicaid,Life Insurance,Long-Term Health Care Planning,Retirement Income Accumulation Planning,401k Rollover From Employer,Income for Life/ Preserve Principal,Medicare Planning,Health Care Insurance,Retirement Planning,Retirement Income Distribution Planning
Investment Advisor Rep: Yes
Registered Investor: Yes
MBA - Financial Services; Lipscomb University; Nashville, TN
Major: Accounting; Lipscomb University
Real Estate Investment Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Wealth Engineering,Asset Protection Strategies & Planning,Pension for Highly Compensated Owners,Fee-Only Comprehensive Financial Planning,Stock Market Alternative,Wealth Management,Medicaid,Alternative Asset Class Planning,Insurance & Risk Management Planning,Retirement Income Distribution Planning,Portfolio Engineering,Mortgage Refinancing,Hourly Financial Planning Engagements,IRA,
Company: North Georgia Investment Planning LLC
Georgia State University/BS PUblic and Urban Affairs
Georgia State University/MBA in Finance
Years Experience: 5
Real Estate Investment Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Estate Tax Planning,Asset Protection Strategies & Planning,Fee-Only Comprehensive Financial Planning,401k Rollover From Employer,Wealth Management,Disability Insurance,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Insurance & Risk Management Planning,Retirement Income Accumulation Planning,Individual Income Tax Planning,Pension for Highly Compensated
Managed Care Dental Insurace - HMOs, PPOs & POS Plan Guide
Dental Insurance - Managed Care
A majority of Americans participate in some form of managed care dental insurance plan. These can include: health maintenance organizations (HMO's), preferred provider organizations (PPO's) and point-of-service (POS) plans. This type of plan provides comprehensive health services to members as well as financial incentives to those who use the providers in the plan. This kind of plan can restrict your choice of professional as well as treatments for a condition.
A PPO Dental insurance plan means that you will select a Dentist from a network of providers who have agreed to work within this network and will discount their fees accordingly. In the case that you choose to see a Dentist outside of your PPO you will likely be penalized with a higher deductible and co-payment level. However, the advantage is that PPO's are usually less expensive than other comparable dental insurance plans. Why? The risk is spread over a group of patients AND professionals. The professionals discount dental services in return for a 'captive' patient population. The patients agree to work within the network of professionals associated with the PPO, which means the dental insurance company pays less money out on claims. In practice everyone can win, but only if you are getting the care you want.
The other type of managed care dental insurance arrangement is the Dental Health Maintenance Organization or Capitation Plan. These dental insurance networks pay a contracted professional a fixed amount per enrolled individual and family. The Physician is the one who absorbs a significant part of the risk. If your family happens to need intensive dental treatment the Dentist may actually be losing money on you. However, the risk to the Dentist is spread out over the Dentist's patient population - and some Dentists like the 'ease' of the billing arrangement. What about you? You benefit because specific kinds of dental treatment, both preventative and curati...