|
| Group Health
| Group Dental | Group
Life Disability | Cafeteria
Plans |
| Health Savings Accounts (HSA's)
| Health Reimbursement
Account (HRA) |
| Employment Benefit Seminars
|
Group Dental
Many employers also provide dental benefits to their
employees as well. The following is a summary of some options:
Traditional Indemnity Dental Plans
Traditional indemnity dental plans provide complete
freedom of choice of dental providers. These plans typically
require an annual deductible, that once met, reimburses a
percentage of dental charges for employees and their eligible
dependents. Most indemnity dental programs reimburse 100%
of charges for preventive services such as teeth cleanings
and x-rays; 80% for basic services such as fillings and oral
surgery; and 50% for major services such as crowns and bridges.
Some plans include additional coverage for orthodontia services.
Preferred Provider Dental Plans
Preferred Provider dental plans work much like traditional
indemnity plans, but the reimbursement level varies based
on whether the dentist participates within the PPO network,
giving patients an incentive to use cost-effective providers.
Coverage is also available when using a non-participating
dentist, but at a lower reimbursement level.
Managed Dental Plans (DMO)
Some carriers now offer Dental Maintenance Organizations,
or DMO programs, that are similar in nature to HMO medical
programs. A DMO plan usually contracts with a small network
of dental providers in an area, and offers very rich benefits
to employees who utilize contracted network providers. Since
the carrier can offer a dentist access to a significant number
of patients, network dentists have usually agreed to significantly
reduced fees. These plans are often very inexpensive, and
when combined with a traditional dental plan, can assist an
employer in stabilizing and controlling dental premiums.
Miller & Wade Group represents several dental carriers,
among the most popular are: Dental Select, Met Life, Mutual
of Omaha, Delta Dental, and Humana Dental. For more information,
fill out the form on the left for a representative of Miller
& Wade to contact you.
| Group Health
| Group Dental | Group
Life Disability | Cafeteria
Plans |
| Health Savings Accounts (HSA's)
| Health Reimbursement
Account (HRA) |
| Employment Benefit Seminars
|
|
