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What Types of Dental Insurance are Available to You? Savannah GA

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.

Classic Benefits Management
(912) 355-0730
712 East 48th Street
Savannah, GA
 
Noah Reichert
2450 Atlanta Hwy
Cumming, GA
Company
Company: North Georgia Investment Planning LLC
Education
Georgia State University/BS PUblic and Urban Affairs
Georgia State University/MBA in Finance
Years Experience
Years Experience: 5
Service
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

Data Provided by:
Sam Evans, MBA, CFA
4989 Peachtree Parkway
Norcross, GA
Type
Investment Advisor Rep: Yes
Registered Investor: Yes
Education
MBA - Financial Services; Lipscomb University; Nashville, TN
Major: Accounting; Lipscomb University
Service
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,

Data Provided by:
Stryker Insurance Services
(770) 333-0344
1121 Drewsbury Court
Smyrna, GA
 
David C Cloud & Associates
(770) 935-0330
4485 Tench Rd Ste 210
Suwanee, GA
 
The Mindspring Center
(912) 748-6463
1147 US Highway 80 West
Pooler, GA
 
Harold Lundy
1091 Ashland Drive
Statham, GA
Company
Company: Lundy Insurance Group, Inc.
Service
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

Data Provided by:
Benefits Group
(770) 455-3446
1776 Old Spring House Ln
Atlanta, GA
 
Benefit Advisors Incorporated
(404) 250-0799
5265 S Trimble Rd Ne
Atlanta, GA
 
AFLAC
(866) 815-2674
8075 Mall Parkway
Lithonia, GA
 
Data Provided by:

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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