Individual Dental Insurance Virginia .com

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Individual Dental Insurance Virginia

This article contains valuable information on individual dental insurance in Virginia. It is our pledge to provide individuals and families with the easiest way to compare and purchase affordable, quality family and individual dental insurance and discount protection since our family based insurance agency has been established since 1983.

Whether youíre looking for individual dental insurance in Virginia or a group policy, Individual Dental Insurance Virginia means the right plan for you.  Many companies offer individual dental insurance in Virginia, but it can become time consuming and frustrating trying to get the right individual dental insurance to fit your needs and budget. Our dental insurance company offers a wide selection of dental insurance plans in Virginia specializing in dental insurance nationwide.

  • We provide access to many of the largest, most recognized individual dental insurance networks in the nation with a reputation of honesty with a money back guarantee.  If you are not satisfied with our dental plan, contact our office for your money back guaranteed.   We are absolutely positive you will be pleased with our service and dental plans with a variety of options available to meet your dental health needs. With this website you can also obtain coverage instantly. 
     
  • Designing a plan for your unique situation is easy with the help of a qualified insurance agent which can be located on this website since we are licensed in 50 states. Our specially trained staff are qualified insurance agents ready to answer your insurance coverage option questions.
     
  • Choose from a wide selection of family and individual dental insurance plans.   Many dental insurance plans in Virginia are part of a national chain, and most do not print prices on their websites to make for easy price comparisons.  Nevertheless, by doing your homework and giving them the information they need to make an accurate comparison, you can find out the best deals on affordable dental insurance in Virginia. 

However, you homework is now finished since you have now discovered this most user-friendly website designed with the consumer in mind. We are confident that you will save money on dental care with our dental plans. Please put your 5 digit ZIP CODE and press enter to receive your instant dental insurance quote with no obligation. 

Yes, that's all we need is just your zip code to provide you with a dental insurance quote.  It's that easy.  You will be amazed with how user friendly our quotes and coverage comparisons.  If you prefer to contact us by phone, our friendly insurance agents are waiting for your call.
 


Choosing the Best Dental Plan in Virginia

How do you choose the dental insurance company and/or plan that is right for you.   Here are a few easy step to make the process of selecting an insurance company easier. Take a look at availability of providers in your area before deciding on dental insurance in Virginia.  Know exactly what dental insurance providers in Virginia are offering.  You should try to get quotes from the different dental insurance providers for your individual dental insurance.  These multiple quotes will help you to zero in on the policy that might be the right individual dental insurance for you needs. 

The first step to purchasing a Virginia individual health insurance plan is to understand how Virginia law affects health insurance providers.  For example, if the company is offering something called a 'dental discount plan', you may not get the savings or value that you expect from a true dental insurance plan in Virginia.  These discount dental plans are not dental insurance plans, but dental services offered as a discount. 
  

  • Check the background of the individual dental insurance company.  If they are making the customers to jump through hoops to get their legitimate claims settled, then it is an individual dental insurance company you have to avoid at all costs.  Basically all individual dental insurance, both fee-for-service (indemnity) and managed care policies, will impose a 6- to 18-month waiting period for most or all procedures, which means services won't be covered until after you've owned your policy for that long.  Virginia law allows insurance companies to deny you coverage. Carefully read the fine print of dental insurance in Virginia you are considering before signing on the dotted line. 

Working with a traditional health insurance agent may help you compare dental insurance in Virginia pricing and costs.  Learn more about Virginia Individual Dental Insurance Companies and alternatives to traditional insurance at this website.  We provide many different Virginia health insurance plans.  Remember, buying individual dental insurance for Virginia does not have to be a painful process.  It is our pledge to provide individuals and families with the easiest way to compare and purchase affordable, quality family and individual dental insurance and discount protection.  

  • The fastest and easiest way to compare dental insurance plans is just at the touch of a button on your computer. Get your cheapest and fastest way to order Individual Dental Health Insurance in Virginia right from your seat.  With this website, an instant dental insurance quote can be provided with no obligation, and our friendly insurance agents with be waiting for your call to assist you with any questions that you may have.  Please put your five digit zip code in the box indicating zip code and press enter and an instant insurance quote will appear providing a cost comparison, rate comparison and coverage comparison with various types of insurance plans. 

Once you join, simply print out your plan membership card and visit a participating Virginia dentist to save on many dental health care services including teeth cleanings, dental checkups, fillings, root canals, crowns, braces and even cosmetic dentistry on select plans.  To find more resources about Virginia Dental Insurance and find quotes for other types of Virginia health insurance, please visit our Virginia Health Insurance Coverage section provided below:
 

Individual Dental Insurance Coverage in Virginia

Dental insurance plans that are designed to cover patient's dental treatment costs come in two forms-individual dental insurance and group dental insurance.  You should try to get quotes from the different dental insurance providers for your individual dental insurance.  Individual dental insurance for is designed to cover both the policyholder and their family.  It makes sense to get coverage for the entire family because regular dental check-ups are usually covered by plans, and this preventive measure can eliminate chances of complications to a large extent.

  • The most important factor in deciding on dental insurance is coverage.  Most dental insurance plans should cover for exams, cleanings, filling, crowns, root canals and even braces. Some of the characteristics of Dental Insurance include: Limitations, deductibles and annual maximums, waiting periods for major dental procedures, tedious and time-consuming written claims process,  Limitations/exclusions on pre-existing conditions.  Certain dental specialties, such as cosmetic dentistry, are rarely covered.  Some dental policies have a deductible.  A deductible is the amount you pay prior to coverage.  The higher the deductible.  The lower the amount you pay for dental insurance.  
     
  • Some dental insurance policies contain annual maximums which is the amount the dental insurance will pay annually for all dental services rendered.  Most indemnity plans contain waiting periods which is a specific amount of time to wait prior to the start of your dental coverage.  If you have a dental condition prior to purchasing your dental policy, some dental insurance plans will not cover you for which is called a pre-existing condition.  It is extremely important to read the coverages, limitations, and exclusions prior to the purchase of your dental insurance policy.
     
  • Good family dental insurance in Virginia includes preventative care twice per calendar year, bite-wing X-rays once per year and a fluoride treatment at each visit for children. Depending upon the dental insurance company chosen, there may be a waiting period for some services. Other dental insurance plans in Virginia do not cover these services or provide minimal coverage.   However, immediate coverage is available for all dental services and is provided immediately with no waiting period which also includes braces depending on the dental plan you choose.
     
  • Affordable dental insurance in Virginia will improve the smile on the teenagers and the total health of the adults in any family with our special braces coverage and Invisalign coverage.  Invisalign is a new type of clear braces which is covered under our dental plans. Orthodontia is available in most of our dental plans.

Preventative dental services include exams, x-rays, cleanings and fluoride treatments.  Preventative dental treatments assists in keeping dental cost lower since it will detect minor dental problems which if undetected could become more severe and costly.  Most of our dental plans has coverage for preventative services such as exams, x-rays, cleanings and fluoride treatments.

Shop around for low cost dental insurance in Virginia that keeps out of pocket expenses low.  Virginia families need balanced dental insurance coverage in Virginia that helps with overall health care costs.  Virginia dental costs are expensive, and providing routine exams and low cost service co pays means getting the right dental plan for you.  Individual dental insurance plans for Virginia differ in the level of reimbursement offered for certain procedures and in annual dental spending caps.  Be informed by reading your dental insurance coverage prior to the purchase of your dental insurance policy.

Our Virginia dental insurance can offer major dental service coverage to you as well as your family against dental expenses such as oral surgery, and other major expensed related to dental care. This information is in the coverage when you get your online quote.

Also offering vision and prescription coverage programs for individuals, families and groups.

Some of the characteristics of Dental Insurance include: Limitations, deductibles and annual maximums, waiting periods for major dental procedures, tedious and time-consuming written claims process,  Limitations/exclusions on pre-existing conditions.  Certain dental specialties, such as cosmetic dentistry, are rarely covered.  Some dental policies have a deductible.  A deductible is the amount you pay prior to coverage. 

  • The higher the deductible the lower the amount you pay for dental insurance.   Some dental insurance policies contain annual maximums which is the amount the dental insurance will pay annually for all dental services rendered.  Most indemnity plans contain waiting periods which is a specific amount of time to wait prior to the start of your dental coverage. 
     
  • If you have a dental condition prior to purchasing your dental policy, some dental insurance plans will not cover you for which is called a pre-existing condition.  It is extremely important to read the coverages, limitations, and exclusions prior to the purchase of your dental insurance policy. Our website displays all coverages, limitations, and exclusions. If you are thinking of purchasing dental insurance from us,  please do not hesitate to call us if you have any questions regarding dental insurance coverage, limitations or exclusions. 

Our website can help you find the best dental insurance coverage in Virginia, but for the best option, call us today and let us show you how to save you a tremendous amount of money.  These multiple quotes will help you to zero in on the policy that might be the right individual dental insurance for you needs.  

Virginia PPO Dental Plans vs. HMO Dental Plans

Our intelligent matching process will help you compare multiple dental and vision insurance so you can evaluate their products, pricing, support, and professionalism.  At minimum, individual with the proper dental plans in place will have the opportunity to receive adequate and regular dental care and emergency care and such care will be far more affordable than without a policy in place. 

  • Find information about discount Nevada dental plans, dental PPOs and HMOs and self employed options online now.  Dental insurance plans for individuals and families are usually an HMO (Health Maintenance Organization) or a PPO (Preferred Provider Organization) and operate like traditional health insurance organizations. If you're looking for a dental PPO plan, this one is low-cost and provides coverage for preventive care, such as cleanings and X-rays, and offers discounts on basic and major services.  Based on this alone, one can say that if you choose to get PPO dental plans, you have the freedom to choose the dentist that you want. 

Dentists participating in the PPO plans have negotiated their fees with the administering company, and provide their services under the plan, but this usually doesn't cover all fees.   Dental insurance plans from an HMO have a limited pool of dentists that patients can choose from, but itís less expensive than a PPO, usually less than $150 a year. 


Virginia Discount Dental Plans

Discount Dental Plans are dental service providers who offer dental services at a discount and is not true dental insurance which is not regulated by the Virginia Department of Insurance. Discount dental plans are not dental insurance, but they do reduce the cost of dental visits while allowing a great deal of freedom to choose your dental health service provider. When choosing Virginia dental insurance, you can go for discount dental plans. The good news is, with the help of your dentist, we can help you determine which Virginia Dental Insurance or discount dental plan is the best. 

  • They simply provide a discount when you use providers who agree to accept the card so you are limited in that way.  Participating providers in the cheap dental plan we offer have agreed to accept a discounted fee as payment-in-full for services performed.   As a dental plan member, you simply show your membership card when visiting any participating cheap dental plan provider to receive dental services at discounted fees. Dental discount plans are much cheaper than traditional dental insurance: usually under $100 a year, and also offer almost equal coverage for all dental work, even cosmetic procedures not covered by standard indemnity dental plans.
     
  • Our dental health care plan is a discounted fee for service plan (not dental insurance) giving you the following benefits: Dental Plan Benefits Available Immediately, NO Claim Forms to fill out, NO Waiting Period, NO Age Limit, Guaranteed Pricing: know your actual cost and/or % discount before the visit.  Self employed who are looking for Virginia Individual Dental Insurance Companies might enjoy a discount dental plan. You can get an individual dental insurance or savings plan that is right for you and your family. 
     
  • Even if you already have family dental insurance or an individual dental insurance plan, the discounts offered by our discount dental plans may be used along with your insurance dental plans for even more dental care savings.  Choose from a wide selection of family and individual dental insurance plans.   This website offers the cost comparison and coverage comparison for both dental discount plans and dental indemnity insurance plans.  By putting your five digit zip code, you can receive your instant cost comparison, and our professional insurance agents will be waiting to assist you.

Choosing a Dentist in Virginia
 
Policies on choosing a dentist may vary substantially in plans of dental insurance providers in Virginia so consumers should check carefully if they have a preference about choosing a dentist.  Our website gives the option to find a dentist in your dental plan which makes this choice an easy decision for you to make when you purchase dental insurance on this website. 

This website is user friendly by providing information on the important features that each consumer should consider when comparing individual dental insurance plans in Virginia. Health Insurance Directory provides links to details about the plans available to customers searching for affordable dental insurance in Virginia. Look for comprehensive, affordable dental insurance in Alabama for the best price. 

Having the knowledge that you need family health insurance is only the first step to begin protecting your family and save money from the rising cost of health care.  Please note our coverage section below which will provide dental coverage information to assist you in your dental insurance selection process.

Individual Dental Insurance Costs in Virginia
 
You may also be able to avoid paying costly dental bills upfront with local dental insurance.  Compare prices and features to find low cost dental insurance in Virginia.  If the rates are great, but the out of pocket expenses are high, employees won't be satisfied with their individual dental insurance. Shop around for low cost dental insurance in Virginia that keeps out of pocket expenses low. 

  • Make sure your dental insurance provider in Virginia include benefits for you and your family members at affordable rates for individual dental insurance. The cost for Virginia Individual Dental Insurance Companies can be high- so itís important to understand all of the options. Finding individual dental insurance in Virginia at affordable rates is challenging.  Most dental insurance plans can be very expensive.  Many companies offer individual dental insurance in Virginia but it can become time consuming and frustrating trying to get the right individual dental insurance to fit your needs and budget.
     
  • However, this website provide payment options at affordable rates. Compare these Virginia dental insurance plans and select the dental plan designed to meet both your dental care needs and budget. Just fill in your 5 digit ZIP code to discover the many advantages of Individual Dental Insurance Virginia.  Compare plans side by side, get health insurance quotes, apply online and find affordable health insurance today. 

Get quotes from multiple health insurance providers to compare costs and maximize your savings. Individual dental insurance in Virginia is more affordable than you might think. Preventative services are the key to reducing future dental costs.  We include the cost of these services in our plan analysis because without them costs quickly become more uncertain. 

Discount dental plans are not dental insurance, but they do reduce the cost of dental visits while allowing a great deal of freedom to choose your dental health service provider.  Without dental insurance those procedures alone can cost more than $300 out of your pocket.  We provide multiple quotes from top class insurance companies that offer substantial cost savings.  It's time to rethink healthcare coverage and offer an alternative that provides outstanding health benefits while controlling costs. 

Shop around for low cost dental insurance in Virginia that keeps out of pocket expenses low.  Virginia families need balanced dental insurance coverage in Virginia that helps with overall health care costs.  Virginia dental costs are expensive, and providing routine exams and low cost service co pays means getting the right dental plan for you.

Virginia families need balanced dental insurance coverage in Virginia that helps with overall health care costs. 

Affordable dental insurance plans for small businesses and families.  If the rates are great but the out of pocket expenses are high, employees won't be satisfied with their individual dental insurance.  Virginia dental costs are expensive, and providing routine exams and low cost service co pays means better employee retention. With Individual Dental Insurance Virginia, you would only pay a fraction of that cost. 

We thrive on providing the competitive rates on Virginia dental insurance and help you save your time and money. Instant Dental Insurance Quotes - It will not take days to get a quote on dental insurance in Virginia.  Contact us today for a quote on Virginia dental insurance, and we'll be glad to help you. 
 

Online Dental Insurance Quotes

Dental insurance plans in Virginia are available through a variety of sources. In addition to online dental insurance quotes, you may receive quotes direct from agents from top companies.  Finding cheap dental insurance in Virginia is easier than ever because you can take advantage of our free, no obligation online rate and plan comparison. 

  • We will give you several quotes all at one website and this can help making shopping for cheap dental insurance in Virginia a lot faster and easier.   Compare Virginia health plans side by side, get health insurance quotes, apply online and find affordable health insurance today. 

We have established relationships with over 160 health and dental insurance plans and can offer several health and dental insurance products online.  In addition to online dental insurance quotes, you may receive quotes direct from agents from top companies. 

 

Traditional Virginia dental insurance is often perceived as the best way to pay for dental expenses. And while dental insurance is an excellent option when sponsored by your employer, it may not be very cost effective when you are paying for it.
Most individual dental insurance plans require you to satisfy waiting periods and deductibles before having major and sometimes even minor restorative work done. Discount dental plans help make maintaining good oral health a lot more affordable. And, with no waiting periods or complicated coverage procedures, dental discount plans are about as simple as you can get.
How do discount dental plans work? As we become aware about our oral health, there has been a demand for affordable dental care. Discount dental plans are the newest option for those without coverage. These dental discount plans are much cheaper than traditional dental insurance, and also offer almost equal coverage for all dental work, even cosmetic procedures not covered by standard indemnity dental plans.

The catch is that dental discount plans are not really insurance at all. They work more like club memberships, where the cost of membership (your "premium") earns a steep discount on any club service (dental work) you buy. The discount normally applies to all dental office services performed by an approved "plan" dentist, but no procedure is covered completely.
What are the ins and outs of discount dental plans? When it comes to dental discount plans, the good news is afford ability, breadth of services, and immediate coverage. The bad news is greater financial risk and responsibility on your part.
Although the monthly cost of most discount dental plans is very low compared to the price of a traditional dental insurance or indemnity insurance policy, there's more allover financial risk with a dental discount plan. No care is totally covered, so an expensive procedure will mean a big out-of-pocket expense, even with the dental plan. And even when undergoing a low-cost service (like cleaning), you'll still be expected to pick up a part of the cost.
However, on the plus side, discount dental plans are effective immediately - so are many procedures you need now will be covered as soon as you buy the dental discount plan. Traditional indemnity and/or insurance dental plans usually impose a waiting period of between 6 and 18 months for any major procedure. The last "pro" is that all good dental discount plans should come with a money-back guarantee.
Virginia Indemnity Plans
This type of dental plan pays the dental office (dentist) on a traditional fee-for-service basis. A monthly premium is paid by the client and/or the employer to an insurance company, which then reimburses the dental office (dentist) for the services rendered. An insurance company usually pays between 50% - 80% of the dental office (dentist) fees for a covered procedures; the remaining 20% - 50% is paid by the client.
These plans often have a pre-determined or set deductible amount which varies from plan to plan. Indemnity plans also can limit the amount of services covered within a given year and pay the dentist based on a variety of fee schedules. Some typical features of these plans:
  • High deductibles before coverage begins (well-designed plans don't apply the deductible to preventive services)
  • Probationary periods on certain procedures that last up to a year
  • Annual dollar limit on benefits
  • Chose your own dentist
  • Your average monthly cost: $15 to $25
  • Companies selling these plans are regulated by state insurance departments.
Dental HMOs
These insurance plans, also known as "capitation plans," operate like their medical HMO cousins. This type of dental plan provides a comprehensive dental care to enrolled patients through designated provider office (dentist). A Dental Health Maintenance Organization (DHMO) is a common example of a capitation plan. The dentist is paid on a per capita (per person) basis rather than for actual treatment provided.
Participating dentists receive a fixes monthly fee based on the number of patients assigned to the office. In addition to premiums, client co-payments may be required for each visit. Some typical features of these plans:
  • Monthly premiums (some require you to prepay a year's worth)
  • Co-payments for office visits
  • Free preventive or routine care
  • You must select from an approved network of dentists
  • May have an initial enrollment fee
  • Annual dollar cap
  • Your average monthly cost: $5 to $15
  • Companies selling these plans are regulated by state insurance departments.
Preferred Provider Organizations
Another true insurance plan, a Preferred provider organizations ( PPO) falls somewhere between an indemnity plan and a dental HMO. This plan allows a particular group of patients to receive dental care from a defined panel of dentists. The participating dentist agrees to charge less than usual fees to this specific patient base, providing savings for the plan purchaser.
If the patient chooses to see a dentist who is not designated as a "preferred provider," that patient may be required to pay a greater share of the fee-for-service.  A group of dentists agrees to provide services at a deeply discounted rate, giving you substantial savings ó as long as you stay in their network. Unlike the more restrictive DHMO, though, you can go out of network and still receive some benefits. Some typical features of these plans:
  • Monthly premiums
  • Annual dollar cap
  • You must stay within the approved network of dentists or pay higher deductibles and co-payments
  • Your average monthly cost: $20-25
  • Companies selling these plans are regulated by state insurance departments.
Dental Discount
This type of dental plan is not insurance. The managing organizations have negotiated with local dental offices to establish a set price for a particular dental procedure and offer deep discounts (some up to 70%) off the regular ADA pricing code.
This plan has several advantages over traditional dental insurance plans, namely, there are no exclusions for pre-existing conditions. This allows a patient to receive immediate coverage for work without meeting any waiting period requirements.
Direct Reimbursement Plans
A dental care plan now coming into vogue is the direct reimbursement plan. This is a self-funded benefit plan ó not insurance ó in which an employer pays for dental care with its own funds, rather than paying premiums to an insurance company or third-party administrator.
You, the patient, pay the full amount directly to the dentist, then get a receipt detailing services rendered and the cost, which you show to your employer. The employer reimburses you for part or all of the dental costs, depending on your specific benefits.

Your company might reimburse 100 percent of your first $100 of dental expenses and then 80 percent of the next $500, and 50 percent of the next $2,000, with a total annual maximum benefit of $1,500. Or it might reimburse only 50 percent of your first $1,000, resulting in a $500 yearly cap.
Some typical features of a direct reimbursement plan:
  • Neither you nor your employer pay monthly premiums
  • Freedom to choose any dentist
  • Typical employer cost: depends on the number of employees and benefit caps
  • Benefits usually capped at $500 to $2,000 annually.
Dental care is quite different than medical care. Major illness can strike at any time and the costs can be enormous. Most dental disease is preventable and treatment is predictable. Regular checkups and professional cleaning can help maintain your oral health and so dental benefits are written to encourage patients to seek preventative care in order to prevent more serious dental problems.
What do you look for in choosing a plan?
Does the plan give you the freedom to choose your own dentist or are you restricted to a panel of dentists selected by the insurance company? If you have a family dentist with whom you are satisfied, consider the effects changing dentists will have on the quality or quantity of care you receive. Because regular visits to the dentist reduce the likelihood of developing serious dental disease, it's best to have and maintain an established relationship with a dentist you trust
Who controls treatment decisions--you and your dentist or the dental plan? Many plans require dentists to follow treatment plans that rely on a Least Expensive Alternative Treatment (LEAT) approach. If there are multiple treatment options for a specific condition, the plan will pay for the less expensive treatment option.
If you choose a treatment option that may better suit your individual needs and your long-term oral health, you will be responsible for paying the difference in costs. It's important to know who makes the treatment decisions under your plan. These cost control measures may have an impact on the quality of care you'll receive.
Does the plan cover diagnostic, preventive and emergency services? If so, to what extent? Most dental plans provide coverage for selected diagnostic services, preventive care and emergency treatment that are basic for maintaining good oral health.
But the extent or frequency of the services covered by some plans may be limited. Depending upon your individual oral health needs, you may be required to pay the dentist directly for a portion of this basic care. Find out how much treatment is allowed in any given year without cost to you, and how much you will have to pay for yourself.
  • Initial Oral Examination----once per dentist
  • Recall Examinations----twice per year
  • Complete x-ray survey----once every three years
  • Cavity-detecting bite-wing x-rays----once per year
  • Prophylaxis or teeth cleaning----twice per year
  • Topical Fluoride treatment----twice per year
  • Sealants----for those under age 18
What routine corrective treatment is covered by the dental plan? What share of the costs will be yours? While preventive care lessens the risk of serious dental disease, additional treatment may be required to ensure optimal health. A broad range of treatment can be defined as routine. Most plans cover 70 percent to 80 percent of such treatment. Patients are responsible for the remaining costs. Examples of routine care include:
  • Restorative care - amalgam and composite resin fillings and stainless steel crowns on primary teeth
  • Endodontics - treatment of root canals and removal of tooth nerves
  • Oral Surgery - tooth removal (not including bony impaction) and minor surgical procedures such as tissue biopsy and drainage of minor oral infections.
  • Periodontics - treatment of uncomplicated periodontal disease including scaling, root planning and management of acute infections or lesions
  • Prosthodontics--repair and/or relining or reseating of existing dentures and bridges.
What major dental care is covered by the plan? What percentage of these costs will you be required to pay? Since dental benefits encourage you to get preventive care, which often eliminates the need for major dental work, most plans are not generous when it comes to paying for major dental work, most plans cover less than 50 percent of the cost of major treatment.
Most plans limit the benefits--both in number of procedures and dollar amount--that are covered in a given year. Be aware of these restrictions when choosing your plan and as you and your dentist develop treatment best suited for you. Major dental care includes:
  • Restorative care--gold restorations and individual crowns
  • Oral Surgery--removal of impacted teeth and complex oral surgery procedures.
  • Periodontics--treatment of complicated periodontal disease requiring surgery involving bones, underlying tissues or bone grafts.
  • Orthodontics--treatment including retainers, braces and/or diagnostic materials.
  • Dental Implants--either surgical placement or restoration
  • Prosthodontics--fixed bridges, partial dentures and removable or fixed dentures.
Will the plan allow referrals to specialists? Will my dentist and I be able to choose the specialist? Some plans limit referrals to specialists. Your dentist may be required to refer you to a limited selection of specialists who have contracted with the plan's third party. You also may be required to get permission from the plan administrator before being referred to a specialist. If you choose a plan with these limitations, make sure qualified specialists are available in your area. Look for a plan with a broad selection of different types of specialists.
If you have children, you may prefer a plan that allows a pediatric dentist to be your child's primary care dentist. Since specialized treatment is generally more costly than routine care, some plans discourage the use of specialists. While many general practitioners are qualified to perform some specialized services, complex procedures often require the skills of a dentist with special training. Discuss the options with your dentist before deciding who is best qualified to deliver treatment.
Can you see the dentist when you need to, and schedule appointment times convenient for you? Dentists participating in closed panel or capitation plans may have select hours to see plan patients. They may schedule appointments for these patients on given days, or at specified hours of the day, restricting your access.
Some dentist's fees for seeing you on weekends or during emergencies are high than those the plan allows. You may be required to pay additional costs yourself. If you select these types of plans, have a clear understanding of your dentist's policies as well as the plan's dentist-to-patient ratio. It's the best way to ensure your access to care is not unduly restricted and that you are not surprised by higher fees the plan does not cover.
Insurance companies do their best to ensure that their policyholders understand their plans and benefits, but it is up to an individual to make sure that they are making informed choices. The differences in the various plans you can choose from are:
  • The type of third party funding the plan.
  • Methods of selecting a dentist.
  • Compensation of the dentist's services to you.
  • The calculations of benefits and payments.
Understanding these differences will enable you to make an informed decision when selecting a Virginia dental plan that is best for you or your family.

 

Members can save on all dental charges and procedures including dental restorative cosmetic work (fillings, dental crowns, dental braces, dental implant's) and dental product related items, etc.), dental hygiene services, preventative work (teeth cleaning, x-rays, etc).  General dentistry, dental hygienist, dental assistant, dental assisting and all specialties where available are covered.

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This is not an attempt to describe the Virginia product coverage and its' contents but merely used as a sales tool for the purpose of product illustration. The website and its' owners cannot make recommendations as to whether any illustrated product may meet the users' particular needs. Therefore, the suitability of the product is the final determination of the user of this website. The use of this website is acceptance of the sites' privacy statement. Coverage is not in effect until an application is signed, transmitted, payment received and approved by the underwriting company unless otherwise specifically stated. A physical and/or background inspection may be done to verify the information provided. The quote(s) will be based up on the underwriting information you supplied and the quote(s) is/are subject to change upon inspection and review by the underwriting company. The underwriting company reserves the right to determine the final coverage, premium and acceptability  If you have any questions regarding the information collected, please contact the agency. All quotes are provided by DEL AMO Insurance Services, Inc,. DBA:  InsComp Insurance Services and/or one of it's affiliated agents, brokers, agencies, brokerages, and/or companies  Lic: 0B93601  Agent David Blunt, Lic: 0638553. Commercial use by others is prohibited by law. No portion of any news or information from this website may be photocopied, faxed, mailed, distributed, transmitted, published, broadcasted, duplicated, or re-distributed in any manner for any purpose without prior written authorization of its' owner. 

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2017-11-22T10:08:25+00:00
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