TotalBen - Dental Insurance
Dental
Opening the door to benefits...
TotalBen currently offers all forms of insurance, including Dental Insurance.
Both group and individual plans are available.
To quote a group dental plan, complete the following two items and submit them to info@totalben.com . Groups of any size can be written, provided it is based on a business; even a husband-wife business.
For Groups of 2+
If you are not a business owner or are looking for coverage just for yourself and/or family, TotalBen offers three options.
For Individuals:
- Empire BCBS Dental + Vision Option - where you can enroll online and choose from a range of plans benefits
- Primestar Dental + Vision Option - where you can enroll online and choose from a range of plans, with just in-network or also out-of-network (see the provider of your choice) benefits
- Spirit Dental + Vision Option - where you can enroll online and choose from a range of plans, with just in-network or also out-of-network (see the provider of your choice) benefits
- Dental DMO - where you are only covered seeing a provider in the network
- Dental PPO - where you can see any provider, either in or out of the network
What Makes a "Better" Plan
Does your plan allow you to see the provider of your choice, even one that does not accept any form of insurance?
Does your plan reimburse based on Usual, Customary and Reasonable ("UCR") charges or does it utilize a Maximum Allowable Charge ("MAC"), leaving you responsible for any difference?
The name of your carrier is not what you mention when searching for in-network providers. You need to know the name of the network and any associated sub-type.
If you do not enroll when the plan is initially offered, can you enroll on the anniversary date without having to satisfy any waiting periods first?
Does your premium increase if either you, or the total group average, exceed a pre-determined limit on the number of children per family?
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For initially eligible enrollees, is there a waiting period for Basic or Major services, before you can receive benefits?
Does your PPO offer a lower percentage of benefit when going out-of-network? In other words, does it ACTIVELY encourage you to stay in-network by offering a higher benefit? Or, do the percentages stay the same (PASSIVE)?
If you need care prior to enrolling, will the policy cover you for that pre-existing condition?
Most plans have exclusions. Find out what your policy excludes, and for how long. The most common exclusion is known as a Missing Tooth Exclusion.
How does your plan classify a root canal? Is it under Basic or Major services? What about other endo/perio treatments?
