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Important Considerations: Choosing a Dental Plan

Link to: Compare the four main types of options

Compare the four types of options - PPO, Indemnity, Indemnity with PPO, and Prepaid.

Link to: Which plans are available in your area

Check to see which dentists and specialists are available in each plan.

Link to: Think about your likely medical care needs for the coming year

Think about your likely dental care needs for the coming year, then compare your cost for that care and your cost for coverage under each of the different options.

Link to: Compare the coverage costs

Factor the Reimbursement Accounts into your decision.

Link to: Health Savings Account and the Reimbursement Accounts

Decide which option is best for you.


Compare the four types of options - PPO, Indemnity, Indemnity with PPO, and Prepaid.

All four types cover most of the same types of services, but the way they pay benefits is different.

Key Decision Points:

 

Access to Care How you pay for care Orthodontia benefit

Prepaid Dental Plan

Use network providers to receive benefits; no benefits outside network

Pay a fixed copayment for dental procedures listed on the copayment schedule.

Adults and children when you use a network provider

PPO Dental Plan

Use network or non-network dentists and providers … your cost is lower in the network

  • Preventive care: no charge for most in-network
  • All other care: you meet annual deductible and pay a percentage of cost

Adults and children when you use a network provider

Indemnity with PPO

Use network or non-network dentists and providers...your cost is lower in the network

Annual deductible and any amount over the coinsurance amount or the stated dollar reimbursement, up to the annual maximum allowed

Child only orthodontia covered by Assurant

Indemnity

Use any dentist or dental provider; some provider discounts when you use network provider

Annual deductible and percentage of cost

  • No adult orthodontia

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Check to see which dentists and specialists are available in each plan.

Many dentists and specialists are in more than one dental network.

  • In the chart below, the left column links to the Web sites and the right column offers step-by-step instructions to help make your search easier.
  • Keep in mind that dentists enter and leave networks. A dentist in the network now may or may not be in the network when you schedule dental services. You cannot change plans because a dentist leaves the network.
Dental Plan Adminstrator Instructions

Ameritas

Click on Find a Dental Provider

Assurant Employee Benefits

1. Click on Search PPO Dental Providers for Indemnity with PPO Dental plan.
2. Click on Search Prepaid Dental Providers for Prepaid Dental Plan.

CIGNA Dental

1. Click on Find Doctors or Dentists by Specialty and follow instructions.
2. When asked to select your dental plan, click "Managed care plan with open access to dentists " and select a dental specialty

Humana (CompBenefits)

Click on Search for Providers under the plan name. Schedule B Indemnity plan does not include a provider search; you may choose any dentist.

United Dental

Click on the Dentist Locator

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Think about your likely dental care needs for the coming year, then compare your total cost for care and coverage under the different options.

  • your estimated out-of-pocket costs for care - based on the types of care you anticipate using
  • your cost for coverage … for the dental options you choose to compare. That way, you can make an apples-to-apples comparison of your total cost.

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Factor one of the Reimbursement Accounts into your decision.

The Medical Reimbursement Account and Limited Purpose Medical Reimbursement Account offer tax advantages by allowing you to set aside pre-tax dollars for eligible healthcare expenses - including your dental copays, deductibles and coinsurance. Consider …

Limited Purpose Medical Reimbursement Account
Medical Reimbursement Account

… if you are enrolling in one of the Health Investor Health Plans for medical coverage

… if you are enrolling in one of the state's other medical plans or you are not enrolling in any state medical plan.

You may use a reimbursement account for dental expenses even if you don't enroll in a dental plan.

Use the Reimbursement Account Estimators to see what you might save in taxes - and whether an account makes sense for you.

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Decide which option is best for you.

Take into account everything you've considered in Steps 1 - 4. Complete this process and enroll your decisions.

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