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Dental Insurance vs Discount Dental Plans Understanding Waiting Periods, Deductibles and Other Provisions. Discount Dental Plans Do Not Have All the Limiting Provisions of a Dental Insurance Program. |
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Dental Insurance Usual, Customary and Reasonable There is no regularion as to how insurance companies determine reimbursement levels in a dental insurance policy. This can result in very wide fluctuations. "Usual, Customary and Reasonable" (UCR) may be one of the most misunderstood terms used in describing denta insurance. UCR plans may pay an established percentage of the dentist's fee, or what the dental plan considers a "customary" or "reasonable" fee limit, whichever is less. Although these limits are called "customary", they may or may not reflect the actual fees that dentists in your area charge. Annual Maximum Most dental insurance plans place an annual cap on the amount of reimbursement, usually $1,000 to $1,500 per year. The insured under the dental insurance plan is responsible for all costs incurred after that, in the same year. Least Expensive Alternative Treatment Provision Some dental insurance plans will only pay for the least expensive treatment in a particular situation. For example, your dentist may recommend a crown on your tooth, but the dental insurance policy will only provide reimbursement for a filling. Pre-Existing Conditions Just as with health insurance, the dental plan may not cover conditions an individual had before enrolling in the group dental plan or the individual dental insurance policy. Other dental plans will place long waiting periods, anywhere from 6 to 18 months, before paying for major dental treatment. Deductibles This is an amount that you will pay first, before the dental insurance company will start any reimbursement. The deductible may range from $50 - $100, or more. This deductible normally must be satisfied before any treatment, even preventative treatment, will be reimbursed.
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| The American Dental Association states that good oral health is very important to good physical health and the proper cleaning of our teeth and gums, as well as, regular visits to our dentist are very important. |
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Select Dental Plans or Health Plans in Your TN City: |
DISCOUNT DENTAL PLANS AND DISCOUNT HEALTH PLANS ARE NOT DENTAL INSURANCE OR HEALTH INSURANCE |
| Discount Health Plans and Discount Dental Plans offered are not health or dental insurance. Plans offered provide discounts at certain dental and medical providers for healthcare services. Plans offered do not make payments directly to the providers of healthcare. The plan member is obligated to pay for all healthcare services but will receive a discount from those dental or medical healthcare providers who have contracted with the Dental Plan or Discount Medical Plan Organization. |
| Carlton Group Insurance Services, Inc (the Company) is authorized to solicit and transact business on behalf of MetLife® Bank in the state of Tennessee. The Company is currently licensed by the Tennessee Department of Commerce and Insurance to solicit and take applications for life insurance; health insurance; annuities; and auto and home insurance in the entire state of Tennessee. |
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