Group dental insurance, one of the most desired and used employee benefits, promotes oral health and also contributes to good overall health. The carriers we work with have strong and flexible product portfolios that feature a wide range of deductibles, coinsurance and maximums. They also boast some of the nation’s largest provider networks. This combination helps you design the benefit that is right for you. Of course, availability of options may vary by state.
PREFERRED PROVIDER ORGANIZATION (PPO)
Substantial savings achieved by using network providers.
Network providers agree to negotiated fees.
Members can go out-of-network.
SCHEDULED/MAXIMUM ALLOWABLE CHARGE (MAC) PPO
Employees using network benefits receive PPO savings.
Employees using non-network benefits may be billed for charges above fee schedule.
MANAGED CARE DENTAL PROGRAMS (DHMO)
Employees visit network providers.
No benefits outside network.
POINT OF SERVICE (POS)*
Incorporates three benefit levels – EPO, PPO and non-network.
Benefit received determined at time of service, depending on type of provider visited for care.
EXCLUSIVE PROVIDER ORGANIZATION (EPO)*
Discounted fee-for-service benefit.
No out-of-network benefits.
Employees responsible for cost of services received.
Services charged at a deep discount.