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What Types of Dental Insurance are Available to You? Durango CO

There are now discount dental programs, which are not insurance at all, but a way of getting your dental services at a discount. Each dentist participating in a discount dental program has agreed to accept a discounted fixed fee schedule as payment in full. In some cases, you can save an average of 30 percent and up to 50 percent on everything from general dentistry and cleanings to root canals, crowns and orthodon'tia.

Will Killhour III
501 South Cherry Street
Denver, CO
Company
Company: Waddell & Reed
Service
Income for Life/ Preserve Principal,Alternative Investments,Life Insurance,Investment & Portfolio Management,Investment Consulting & Allocation Design,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Fee Only Portfolio Management,Pension for Highly Compensated Owners,Stock Market Alternative,Wealth Management,Health Care Insurance,Retirement Planning,Long-Term Health Care Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finance

Data Provided by:
Gregory Scott
16 Inverness Place East
Englewood, CO
Service
Disability Insurance,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Individual Income Tax Planning,Portfolio Engineering,High Yield Bank Accounts,401k Rollover From Employer,Income for Life/ Preserve Principal,Wealth Management,Medicaid,Life Insurance,Investment & Portfolio Management,Long-Term Health Care Planning,Annuity Ideas & Strategy Planning,Planning

Data Provided by:
Perry Neva
1427 Glencoe St.
Denver, CO
Service
Estate Tax Planning,Asset Protection Strategies & Planning,Individual Income Tax Planning,Portfolio Engineering,High Yield Bank Accounts,401k Rollover From Employer,Income for Life/ Preserve Principal,Wealth Management,Medicaid,Life Insurance,Investment & Portfolio Management,Long-Term Health Care Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Business Income Tax Planning,Fee-Only Comprehensive Financial Planning,Capt

Data Provided by:
Stricca, Duilio A., DDS, PC
(719) 543-2604
753 W. Abriendo
Pueblo, CO
 
Benefits & Incentives Group, Inc.
(303) 750-6200
1777 South Harrison Street, #700
Denver , CO
 
Gary Kennington
7015 West 62nd Ave.
Arvada, CO
Company
Title: Financial Retirement Specialist
Years Experience
Years Experience: 20
Service
Medicaid,Annuities,Insurance & Risk Management Planning,Medicare Planning,Life Insurance,Annuity Ideas & Strategy Planning,Asset Protection Strategies & Planning,Health Care Insurance,Retirement Planning,Retirement Income Distribution Planning

Data Provided by:
Scott Nelson, CFP
5445 DTC Parkway
Greenwood Village, CO
Company
Title: Certified Financial Planner
Company: Presidential Brokerage, Inc.
Type
Investment Advisor Rep: Yes
Education
University of Nevada, Reno / MS-Economics
University of Delaware / BS-Business Management
Years Experience
Years Experience: 24
Service
Portfolio Engineering,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Alternative Investments,Life Insurance,Investment & Portfolio Management,Investment Consulting & Allocation Design,Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Fee-Only Comprehensive Financial Planning,Fee Only Portfolio Management,401k Rollover From Employer,Income for Life/ Preserve Principal,Wealth Management,Disability Insurance,Retirement Planni

Data Provided by:
Don Leander, CFP
5145 Hopner Court
Colorado Springs, CO
Company
Title: CFP
Company: Financial Planning Strategies
Service
Mortgage Refinancing,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Alternative Investments,Health Care Insurance,Retirement Planning,Real Estate Investment Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Business Income Tax Planning,Fee-Only Comprehensive Financial Planning,High Yield Bank Accounts,401k Rollover From Employer,Income for Life/ Preserve Principal,Wealth Management,Disability Insurance,Annuities,Alte

Data Provided by:
Alltime Insurance Inc.
(303) 543-9257
PO Box 350250
Westminster , CO
 
Pueblo Community Health Center, Inc.
(719) 543-8718
310 Colorado Avenue
Pueblo, CO
 
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What Types of Dental Insurance are Available to You?

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Dental Insurance

Dental insurance is a specialized type of health insurance that deals solely with procedures and treatments performed by a Dentist or a Dental professional - not medical or doctor procedures generally. There can be some overlap if you need dental surgery, but usually with dental insurance you will be dealing with dentists.

Dental insurance, while similar to health insurance, has one unique feature. Most dental insurance plans will impose a 6 month to 18-month waiting period before coverage commences. This waiting period ensures that your new insurer is not paying for old problems. However, that's a disadvantage to you. As a result, it's best to get your dental insurance before you have a problem and preferably, while your teeth are still in their best shape. If you suddenly need a root canal before your waiting period is up, it will be money that will come out of your pocket.

Dental insurance is very similar to medical insurance. In most cases, you will be looking at one of two types of insurance: fee-for-service insurance or managed care insurance.

Fee-for-Service dental plans are typically freedom-of-choice arrangements under which a dentist is paid for each service rendered according to the fees established by the dentist. What does this mean? It means you pick your dentist and the payment to the dentist is based on the dentists fee schedule, rather than a set fee schedule. In many cases, this will involve Direct Reimbursement (DR) to the dentists office, so you are not paying on your way out. For employers who opt for this kind of plan for their employees, instead of paying monthly insurance premiums, you only pay a percentage of actual treatments received. Moreover, employers are removed from the potential responsibility of influencing treatment decisions due to plan selection or sponsorship.

Managed Care dental plans are cost containment systems that direct the utilization of health care by a) restricting the type, level and frequency of treatment; b) limiting the access to care; and c) controlling the level of reimbursement for services. In other words, you don't choose the type of treatment. You can't necessarily choose to see your dentist when you think you need to. You are also restricted in your choice of dentist.

You do have alternatives to insurance with dental care. There are now discount dental programs, which are not insurance at all, but a way of getting your dental services at a discount. Each denti...

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