| HOW CAN YOU GET DENTAL INSURANCE FOR YOURSELF AND/OR YOUR FAMILY WITHOUT BELONGING TO AN EMPLOYER GROUP? |
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| IF YOU DON'T UNDERSTAND A LOT ABOUT NON-GROUP DENTAL PLANS, GO DOWN THIS PAGE AND READ THE INFORMATION BEFORE GOING TO THE LINK ABOVE. IT'S GOOD TO BE INFORMED BEFORE MAKING A CHOICE. |
| FIRST YOU NEED TO UNDERSTAND THE DIFFERENCE BETWEEN GROUP DENTAL INSURANCE AND INDIVIDUAL/NON-GROUP DENTAL PLANS. GROUP DENTAL IS USUALLY A PLAN WHERE THERE IS A SET PERCENTAGE PAID ON EACH CATEGORY OF SERVICE, SUCH AS, 100% OF PREVENTIVE, 80% OF BASIC, AND 50% OF MAJOR. ALSO, GROUP DENTAL INSURANCE COMES WITH "WAITING PERIODS" FOR EACH CATEGORY "IF" THE GROUP HAS NOT HAD PRIOR COVERAGE. PREVENTIVE USUALLY HAS NO WAITING PERIOD, BASIC USUALLY HAS A 6 MONTH WAITING PERIOD, AND MAJOR HAS A WHOPPING 12 MONTH WAITING PERIOD. INDIVIDUAL/NON-GROUP DENTAL PLANS IN ALMOST ALL CASES WORK DIFFERENTLY, SOME DIFFERENCES ARE POSITIVE, AND SOME ARE CONSIDERED BY INDIVIDUALS TO BE NEGATIVE. LET'S DISCUSS SOME OF THESE DIFFERENCES. INDIVIDUAL PLANS OF INSURANCE ARE FREQUENTLY DMO'S. THIS MEANS YOU WILL PROBABLY NOT BE SEEING YOUR REGULAR DENTIST UNLESS HE IS ON THE DMO LIST. A DMO IS LIKE AN HMO, BUT FOR DENTISTS RATHER THAN PHYSICIANS. A DMO MEANS YOU MUST CHOOSE ONE DENTIST ON THE INSURERS LIST, AND USE THAT DENTIST FOR REGULAR SERVICES AND REFERRALS TO SPECIALIST DENTISTS, WHO MUST ALSO BE ON THE "PARTICIPATING" LIST. SOME OF THE GOOD NEWS IS THAT THESE DMO PLANS ARE FAR, FAR LESS COSTLY THAN THE USUAL GROUP INSURANCE PLANS, WHICH RUN OVER $100 PER MONTH FOR FAMILY COVERAGE. THE COMMON NON-GROUP DENTAL PLAN FOR A FAMILY RUNS SOMEWHERE IN THE AREA OF $280 PER YEAR, WITH SINGLE COVERAGE RUNNING ABOUT $130 PER YEAR. QUITE A DIFFERENCE!!!!! ANOTHER DIFFERENCE IS THAT YOU WILL HAVE A BROCHURE, WHICH SHOWS EXACTLY HOW MUCH THE CHARGE IS FOR EACH AND EVERY SERVICE PROVIDED. NO PERCENTAGES. FOR INSTANCE, IT MIGHT SAY "AMALGAM FILLING, $20. THAT MEANS THAT AN AMALGAM FILLING WILL COST YOU $20 WITH YOUR DMO DENTIST, WHEREAS, IF YOU WERE SEEING A NON-PARTICIPATING DENTIST, YOU WOULD PAY WHATEVER HE CHARGES FOR THE FILLING, WHICH COULD BE $40 OR MORE. THESE NON-GROUP PLANS FOR YOU AND YOUR FAMILY ARE MORE GEARED TOWARD A "DISCOUNT" TYPE PROGRAM. MOST, IF NOT ALL, HAVE NO "WAITING PERIOD" FOR ANY TYPE OF SERVICE, AND NO PRE-EXISTING CONDITION WAIT EITHER. AVERAGE SAVINGS 50% OR MORE. FOR QUOTES FROM US PLEASE CLICK BELOW TO GET QUOTE www.dpbrokers.com/default.aspx?locationid=10774 OR CALL US AT 1-800-239-7553 |
PLEASE CLICK ON THE DP DENTAL PLANS LINK BELOW. YOU WILL ARRIVE AT A WEBSITE WHERE YOU MAY PUT IN YOUR ZIP CODE FOR A LIST OF DENTISTS AND MANY PLANS AVAILABLE IN YOUR SPECIFIC AREA. www.dpbrokers.com/default.aspx?locationid=10774 |
| THE MALONE AGENCY DENTAL PLAN INFORMATION FOR INDIVIDUALS & FAMILIES CALL US AT 1-800-7533 OR CLICK LINK BELOW |
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