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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
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Does your plan allow you to see the provider of your choice, even one that does not accept any form of insurance?
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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?
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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.
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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?
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Does your premium increase if either you, or the total group average, exceed a pre-determined limit on the number of children per family?
(... Continued)
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For initially eligible enrollees, is there a waiting period for Basic or Major services, before you can receive benefits?
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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)?
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If you need care prior to enrolling, will the policy cover you for that pre-existing condition?
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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.
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How does your plan classify a root canal? Is it under Basic or Major services? What about other endo/perio treatments?