Category Archives: Plans

Information on different dental plans can be found in Florida at our Plans category.

Ameritas Dental Insurance

Ameritas Group provides over 4.8 million people with quality individual, and group dental, vision and hearing care plans.

Ameritas Dental Insurance “My Dental Plan” is a three tier dental insurance program that features annual maximums of $500, $1000, and $1500.  It is a full dental coverage plan that includes preventive, basic, and major services.

Members have the option to boost their annual maximum benefit by submitting at least one dental claim each year and keeping your total benefits received for the year at or below the Threshold Amount.

Members “earn” an Annual Reward that will carry over to increase your annual maximum benefit available the next year. Accumulate rewards up to the total Maximum Reward amount.

If no dental claims are submitted during a year, no rewards are earned and accumulated rewards are lost. But you can begin building rewards again the very next year.

Ameritus Dental Insurance is available in most states. Check with you local agent or visit the Ameritus Dental insurance website to see if the plans are available in your area.

Compare Dental Insurance Plans

The most important tool at your disposal when looking for dental insurance is comparison. When you compare dental insurance plans side-by-side you can easily identify the key differences between dental insurance plans.

So what do you look for when you compare dental insurance? The first thing to decide is if you want an indemnity dental insurance plan or a PPO dental insurance plan. An indemnity plan allows you to visit any dentist that you wish. A PPO plan allows you to select any dentist you wish from a preferred network of providers.

Once you have decided on which type of plan is right for you it is time to compare dental insurance benefits. Dental insurance is usually broken up into three different parts; preventive, basic, and major. Do you need all three or do you think that an inexpensive preventive and basic plan is best for you?

Once you have decided which type of coverage is best for you it is time to choose an annual maximum. If your teeth need a lot of major work done perhaps a plan with a high annual maximum is best for you. Compare dental insurance plans that have a high annual maximum and pick the one that provides the best dental coverage for the price.

Capitation Dental Insurance Plan

A Capitation Dental Insurance Plan provides comprehensive dental care to enrolled patients to the dental plan through designated dentists within the plan.  A perfect example of such a plan is a Dental Health Mainteance Organization (aka DHMO).  The dentists within these dental insurance plans are paid on a per capita (per head) basis rather than for actual treatment provided.  Participating dentists received a fixed monthly fee based on the number of patients assigned to their office.  Its almost like a retainer fee for their availability to those within their area of service.  In addition to the premiums, the patients pay a copayment to the dentist based on the fee schedule negotiated by the DHMO.

Oral cancer

Oral cancer is a fatal cancer that afflicted the senior citizen population of Florida.  Only half of all patients diagnosed with oral cancer survive more than five years after being diagnosed.  Therefore it is very important that you get checked regularly by your dentists.  You can also be proactive on your end.  Check for white or red spot or sore in your mouth.  You will also need to be carefully examined by a dentist in all areas of your mouth.  If you suspect or find anything be sure to let your dentist know.  Oral cancer often start off an a tiny unnotice thing and gradually get worse.  That is why it is important that our Florida sensor citizens get proper dental insurance to ensure that they have a dentist to regular examine and treat them.  Don’t take this lightly.

Voluntary Group Dental Plan

Its been repeatedly asked, what is a voluntary group dental plan so I thought I take out the time today to respond.  A Voluntary Group Dental Plan is one where the workers at a place of employment get together and ask the employer to set up a voluntary group dental insurance plan for the employees who want to volunteer and pay for.  The employees play and not the employer.  You don’t have to participate if you don’t want to.  The key is the employer is able to get a better rate or price for the coverage because its a group plan compared to a dental plan that you get as an individual.  It means you plan less.  Its the concept of strength in numbers at its best.

Types of policy

Here are the types of dental policies offered in Florida:

Florida Dental Discount Plan

The way Florida Dental Discount Plan works is that you get a discount for the prices of the services that you may need to get your teeth fixed.  These prices are negotiated with all the dentists that belong in your network of providers.  You go to the dentist and get your work done.  They charge you the rates the agreed to.  Typically, you get about 20 to 30% discount for the services rendered.

Dental HMO

A Dental HMO (Health Maintenance Organization) plan requires that you pay a co-payment when you finish the dentists in these plan.  The dentist are paid a month rate based on the number of patients in their area and are likely to visit them.

PPO Dental Plan

A PPO (Preferred Provider Organization) Dental Plan is one in which a particular group of patients are designed to received service from a group of dentists.  The participating dentists agree to charge less to those patients in the plan.  The key is you must see those dentist in the plan otherwise you have to pay more.