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One of the most cost-effective ways to cover dental expenses is to be covered under a discount dental plan. Discount dental plans are not insurance plans. Essentially, a discount dental plan is an agreement between a marketing organization and a network of dentists to provide substantial discounts on almost all dental services. It is very rare that individuals applying outside of an employer-sponsored group plan can purchase “indemnity” dental coverage that allows them to see their own dentist. Individuals can, however, purchase a discount dental plan that has a small network of providers from which to choose. Perhaps the biggest consideration for most individuals is the availability of dentists within their area. Here are two programs that Jolles Insurance offers for your consideration.
Some of the many services Denta-Chek provides at no cost are examinations, x-rays and cleanings. Other procedures are at greatly reduced fees, such as fillings, crowns, dentures, orthodontics, periodontics and endodontics. There are no waiting periods, pre-existing condition limitations or even claim forms to complete! The chart below shows examples of common savings a family can expect to see. (Fees determined by a national survey of area general practitioners and specialty dentists are as follows.)
Note: Sample fee schedule above based on 2003 costs,
subject to change.
Frequently Asked Questions About Denta-Chek of Maryland Who is Eligible? Denta-Chek Dental Plan subscribers and their legal dependents. Dependent children can be covered as long as they are under 19, or if they are full time students, to age 23. Coverage of a child who attains age 19 will be continued as long as proof of full-time student status is provided, or while he or she is incapable of self-sustaining employment by reason of mental incapacity or physical handicap. Children may take out their own individual plan when they are no longer eligible Must I Use a Participating Doctor? No. However, benefits are MUCH better when you use one of the many participating dentists located throughout the area. In addition, there are many specialists, such as oral surgeons, orthodontists, endodontists and periodontists who will provide care for you and your family under this plan. Call our office to find out how your present dentist can participate. What If I Cancel Before I’ve Completed a Full Year of Coverage? Enrollment in the Dental Plan is for at least one year. If you decide to drop the plan before completing a full year of coverage, you need only pay the balance of one year's monthly fees, or pay the dentist his or her usual fees for any services rendered, whichever is less. Money Back Guarantee If you are not completely satisfied with the plan, the plan will refund your subscriber fee if you give your written notice, Certificate of Coverage and ID card are returned during the first 30 days of coverage. However, you will have to pay the dentist his or her usual fees for any services rendered. Once coverage has been in force for more than 30 days, no fees are refundable. What Happens in An Emergency? Should you or a covered dependent be more than 50 miles from a participating
dentist and need emergency care, this plan will reimburse you up to
$50 to see any dentist. See your Certificate of Coverage for details. As with other plans, there are services which this plan does not provide, such as services which are covered under Workers' Compensation or Employers' Liability Laws. For a complete list of exclusions, please check your Certificate of Coverage. For an individual dental insurance quote, CLICK
HERE DentaQuest's Annual Select Plan—a very affordable
dental benefit program offered to individuals located in Maryland,
Washington D.C., and Virginia. For an individual dental insurance quote, CLICK HERE.
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