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What Types of Dental Insurance are Available to You? Lake Havasu City AZ

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.

HalSi Insurance Services
(520) 296-7881
7670 E Broadway
Tucson, AZ
 
Perimeter Group
(480) 951-5933
17797 N Perimeter Drive D-101
Scottsdale, AZ
 
Charles Booth
2812 N Norwalk
Mesa, AZ
Company
Title: CPA, PFS
Company: Clarity Wealth Management
Type
Investment Advisor Rep: Yes
Education
Arizona State University
B.S. Accounting
1971
Years Experience
Years Experience: 10
Service
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,Health Care Insurance,Retirement Planning,Real Estate Investment Planning,Commission-Only Financial Planning (Full Disclosure),Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financia

Data Provided by:
Greg Zale
4365 E. Pecos Rd #136
Gilbert, AZ
Company
Company: LPL Financial
Service
Pension for Highly Compensated Owners,Stock Market Alternative,Wealth Management,Life Insurance,Investment Consulting & Allocation Design,Insurance & Risk Management Planning,Asset Protection Strategies & Planning,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Health Care Insurance,Retirement Planning,Annuity Ideas & Strategy Planning,Retirement Income Accumulation Planning,401k Rollover From Employer,Income for Life/ Preserve Principal,Disability Insurance,Annuities,Commission-Only Financia

Data Provided by:
Marreel Slater Insurance (MSI)
(602) 476-0079
2475 W. Queen Creek Rd. Suite 5
Chandler, AZ
 
Lovitt & Touche Inc Insurance & Bonds
(602) 956-2250
1050 W. Washington St Ste 233
Tempe, AZ
 
Bennett & Porter Insurance Services
(480) 212-1150
3200 N. Hayden Rd
Scottsdale, AZ
 
AnCap Insurance
(602) 943-2586
8802 N Fourth St
Phoenix, AZ
 
MeMD
1-855-6363
7332 E. Butherus
Scottsdale, AZ
 
Integrity Outsource LLC
(602) 952-5500
2201 E. Camelback Suite 123
Phoenix, AZ
 
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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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