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What to Look for in a Dental Insurance Plan Newton Center MA

What is the utilization rate for patients in this program? What is the average waiting period for an initial appointment? What is the average period between appointments? hat is the dentist/patient ratio for the program? What are the criteria for selecting dentists to participate in the program?

Caritas Christi Health Care
(617) 789-3000
736 Cambridge Street
Boston, MA
 
Boston Orthodontic
(617) 437-7333
396 Commonwealth Avenue
Boston, MA
 
Eric A. Walker, DMD
(617) 354-3351
60 Brattle St.
Cambridge, MA
 
Allar Long Term Care Planning
(617) 275-6171
43 Harrison Street
Somerville, MA
 
Natural recipes for skin care
(978) 378-3641
http://naturalrecipes-skincare.blogspot.com/
Boston, MD
 
Dental Wellness
(617) 868-1516
1129 Cambridge Street
Cambridge, MA
 
Cambridge Health Alliance
(617) 498-1000
1493 Cambridge Street
Cambridge, MA
 
Eric Klein, D.M.D. PC
(617) 547-9100
2400 Massachusetts Avenue
Cambridge, MA
 
New Era Dental
(617) 576-6566
2400 Massachusetts Ave., 2nd Floor
Cambridge, MA
 
Macy's/Federated
(617) 357-2400
450 Washington Street
Boston, MA
 

What to Look for in a Dental Insurance Plan

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What to Look for in a Dental Insurance Plan

A little research can go a long way. When you are trying to decide on a dental insurance plan , it pays to make sure that the plan will work for you and your family.

What kinds of things can you do to ensure that a plan is the right one? Call the dental insurance company or an agent. Ask questions.

If you are getting into a managed care program, keep the following questions in mind for a Preferred Provider Organization or PPO plan:

  • What percentage of my premium is used for administration?
  • Will the amount of the discount push me to change my current dentist? Will the amount of the discount the dentist is required to offer affect the number of treatment options for me?
  • What are the criteria for selection of providers for the plan? Does it have enough dentists under contract to adequately serve my needs or the needs of my family? What is the geographic distribution of patients to dentists? Will I be able to get into see someone when I need to? Does the plan provide for specialist referrals? Are dentists limited to referring patients to contracted specialists?
  • How does the program provide for emergency treatment? What provisions are in the program for emergency care away from home?

If the managed care plan is a Dental Health Maintenance Organization (DHMO), then keep these questions in mind:

  • What percentage of the premium is used for administration?
  • Does my employer have access to sufficient information to determine the level and amount of treatment received by each member of the group?
  • What is the utilization rate for patients in this program? What is the average waiting period for an initial appointment? What is the average period between appointments?
  • What is the dentist/patient ratio for the program? What are the criteria for selecting dentists to participate in the program? What is the geographic distribution of patients to dentists?
  • What is the ratio of dentists accepted to the program to those who applied to participate? How many dentists voluntarily withdrew from the program over the past two years?
  • What is the rate of compensation for the dentists? Is it sufficient compensation for the needs of the covered patient population? What provisions are made for dentists with unforeseen utilization or difficult cases?
  • What are the benefit's for patients requiring a specialist's care? How are specialists selected and compensated? Does the plan have adequate specialist participation?
  • How does the program provide for emergency treatment? What provisions are in the program for emergency care away from home?

Keep in mind other sources of information outside of your insurance company itself. If you are getting dental insurance through work, call your benefit's coordinator. Speak to your co-workers and find out how happy they are with the service they have received under the plan. Speak with others who have the same dental insurance ...

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