Confused About Dental Insurance?

Sep 5, 2013 | Posted by admin | Dental, Dental Insurance | 12 comments |

Monthly Payment Plans

There are 3 types of dental insurance:

1: Indemnity: You are able to go to any dentist of your choice. This dental insurance is normally offered by your employer.

How it works: These plans typically cover 100 percent of routine care (such as exam, x-rays and cleanings), 80 percent of

minor procedures (such as fillings, root canals, deep cleanings and extractions) and 50 percent of major work (such as

crowns, bridge, partials and dentures)

2: Dental PPO: A preferred-provider organization plan; you are able to choose any dentist like the indemnity

dental insurance or you can choose a dentist who is contracted with the insurance called in-network dentist. This

type of dental insurance is typically offered by your employer as well, but there or only a couple that you can get as

individual dental insurance. The cost is normally about $35 to $40 per month.

How it works: These plans typically cover 100 percent of routine care (such as exam, x-rays and cleanings), 80 percent of

minor procedures (such as fillings, root canals, deep cleanings and extractions) and 50 percent of major work (such as crowns,

bridges, partials and dentures). Your coverage may vary for out-of network and in-network doctors. Your dental office can

check this for you.

3: DHMO: A dental health-maintenance organization plan.

How it works: You are not able to choose a dentist of your choice, you have to choose a dentist within the plan’s network only, and you are not able to go to any other dentist unless you call your plan and have them change you to another office which normally takes a month. This type of plan is offered by your employer and some have individual coverage. Routine services are usually fully covered. For minor and major services, there are co-payments that vary plan to plan and there are lots of services that are not covered because they are considered cosmetic or an upgrade.

In summary, you get the best coverage with indemnity and ppo dental insurance with less out of pocket cost, but your yearly coverage is limited to your dental insurance maximum for the year.

We offer monthly payment plans with no interest. Please call 323-771-7254 for more information.

By: Ladan Zinati

12 Comments

About admin

Dr. Ladan Zinati, a graduate of University of Southern California, USC in 1993 where she graduated on top of her class with honor and multiple awards. Dr. Zinati is a member of American Dental Association, California Dental Association, and Los Angeles dental Association. At age 12, Dr. Zinati knew she wanted to be a dentist and by age 17 she started working in a dental office as a dental assistant for 5 years while attending last year of high school and 4 years of university, before entering dental school.

12 Comments

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Angelina
· Reply

October 7, 2013 at 5:08 PM

This is a great post Dr. Z. It really makes you understand the difference between insurances out there.
- admin
  · Reply
  
  Author
  
  October 20, 2013 at 2:31 AM
  
  Thank you Angelina. A lot of people really don’t know what dental insurance is all about and what types there are they can choose from.
Gary R
· Reply

January 30, 2014 at 3:33 PM

This is a great article! I have for years tried to figure out the complex world of dental insurance, how to apply for coverage, the different options that are available and so on.
- admin
  · Reply
  
  Author
  
  February 2, 2014 at 4:26 AM
  
  Thank you Gary. I am glad my article was a great help to you in getting some answers about dental insurance.
micheline
· Reply

December 14, 2014 at 6:12 PM

I just wanted to tell you thank you for this post because last week I read it and it helped me a lot when my company was offering me dental insurance, I was able to choose the best one for me.
- admin
  · Reply
  
  Author
  
  December 14, 2014 at 9:28 PM
  
  I am so glad to be of help.
- admin
  · Reply
  
  Author
  
  December 14, 2014 at 9:29 PM
  
  I am so happy to be of help.

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Los Angeles and Cudahy Dentist at st James Dental Group are dedicated to cosmetic and family dentistry such as exams, periodontal cleanings, teeth whitening, porcelain veneers and crowns, cosmetic bonding/fillings and more. We welcome new patients from all over including Cudahy, Bell, Bell Gardens, South Gate, Downey, Maywood, Norwalk, Paramount, Los Angeles, and Long Beach. We look forward to make your visit to our dental office an exceptional experience.

7607 Atlantic Ave, Cudahy, California 90201 United States | Phone: (323) 771-7254

(323) 771-7254

Confused About Dental Insurance?

There are 3 types of dental insurance:

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