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Results from search: http://www.dental-resources.com/insure2.html

Dental-Resources - Insurance Programs & Plans Insurance Programs & Plans 4Insuranc.com - Group Dental Insurance Finder Aetna U.S. Healthcare - Insurance Plans Alliance Brokers & Consultants - Dental Plan Affordable Dental USA - Dental Plan Ameriplan AmeriPlan USA AmeriPlan - Abilene, Texas AmeriPlan Dental Care - DeSoto, Texas AmeriPlan USA Dental Care - Dental Plan AmeriPlan - Dental Care Plan Association Dental Plan - Dental Access Program Atlanta Internet Insurance Group - Dental Insurance Baldwin-Georgenton Insurance Agency - Denetal Insurance Benefits Design Group - Dental Plans Benefit Plans of America, Inc. - Individual Comprehensive Dental Plan Broad Reach Benefits, Inc. - Dental Insurance Caps of America - Dental Plan Chesapeake Financial Insurance Group - Dental Insurance CIGNA Dental - Dental Insurance Cyberguard Insurance Services - Dental Insurance Delta Dental - Dental Plan Delta Dental Plan of California - Dental Plan Delta Dental Plan of Illinois (DDPI) - Dental Plan Delta Dental Plan of Kentucky - Dental Plan Delta Dental Plan of Massachusetts Delta Dental Plan of Minnesota - Dental Plan Delta Dental Plan of New Jersey Northeast Delta Dental - Dental Plan Delta Dental Plan of Virginia - Dental Plan Dental Benefit Providers - Dental Benefit Company Dental Benefits - Insurance Plan DentalCALL - Dental Plan DenTex Dental Plan, Inc. - Houston, Texas Don Hopster Insurance - Dental Insurance Employee Benefit Management Services (EBMS) - Dental Employee Benefits Golson Financial Services - Discount Dental Services Health Quote Brokers - California Residents Homeaides - Dental Plan InsuranceCompany - Dental Insurance Luthern Brother Financial - Dental Insurance Maryland Preventive Dentistry Program - Dental Insurance MetLife Dental Care - Insurance Moeller Insurance Services - Dental Insurance National Dental Plan - Dental Insurance - London, England National Integrated Health Associates - Dental Health Care Northeast Dental Plan Of America - Dental Fee-For-Service Plan - New York, NY O'Reilly Insurance Agency - Dental Insurance ODS Health Plans - Dental Plan PrimeCare Dental Plan Inc. - Van Nuys, California Professional Protector Plan - Malpractice Insurance For Dentists Stuart & Company - Dental Insurance Superior Dental Care - Custom-Designed Group Dental Benefits for Ohio and Kentucky Businesses The Best Affordable Dental Plan - Dental Plan The Medical Advantage - Dental Plan U.S. Dental Care, Inc. - Bartlett, Tenn. - Dental Plan United Dental Systems - Insurance Plan Washington Dental Service - Dental Benefits Provider - Seattle, WA All contents copyright ©1996 Dental Related Internet Resources. All rights reserved Please send all additions, corrections and suggestions to webmaster@dental-resources.com

Results from search: http://www.walczak-insurance.com/

Walczak Insurance - Walczak Associates is a New York Based Insurance Company - New York Insurances Who We Are Walczak Associates are independent brokers who represent Medical , Dental , Life , Disability , and Specified Disease Insurance (Cancer) carriers. We serve the needs of companies and self-employed individuals in New York and New Jersey . What We Do We make it our business to understand the New York and New Jersey insurance markets. We offer companies and self-employed individuals Medical , Dental , Life , Disability , and Specified Disease Insurance (Cancer) products. We offer non-business individuals Life , Disability , and Specified Disease Insurance (Cancer) products What's New We'd like to change your opinion about getting a health insurance quote. We've designed our website to provide more than just access to basic information. Now you can get real-time online quotes... ( more ) Need A Quote? NEW! On-Line (Real -Time) Quoting for Health Insurance , Physician Lookup , and Instant Carrier Information. Or We can also provide more information for your specific needs by simply filling out our form: M edical and Dental , Life and Disability , or Specified Disease Insurance (Cancer). Home      Who We Are      What We Do      What's New      Need A Quote      Site Map P.O. Box 190 · Stony Brook, New York · 11790 Phone: (631) 751-4710 · Fax: (631) 689-9591 Email: walczakins@aol.com http://www.walczak-insurance.com   Website Credits  Walczak Associates ©1998  All Rights Reserved  

Results from search: http://www.quotesmith.com/

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Join Newsletter In the News Special Report 13 things your health insurer doesn't want you to know Your Life Insurance Americans won't admit they're buying more life insurance Your Car Allstate must pay for diminished value of cars in Georgia Lawsuits allege auto insurers overcharge new customers in California Allstate hikes New York auto insurance premiums 10.5 percent, blames high fraud Boomer motorcycle deaths skyrocket settles Georgia lawsuit about diminished value of cars Your Home Consumer complaints spark Texas home insurance rate probe 21st Century Insurance to drop California home insurance Your Health 10 things you should know about COBRA Court approves $20 million class action settlement with Blue Shield of California Empire Blue Cross and Blue Shield wins approval for conversion Georgia joins assault on Employers Mutual over unlicensed health insurance sales New Jersey doctors gain right to negotiate fees with health insurance plans Your Business World Trade Center losses lower than originally expected Your Insurance Company Former Credit General officers sued in insurer's demise Site Reviews "Quotesmith is a must for anyone shopping for competitive rates." 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Results from search: http://www.deltadentalins.com/

Delta Dental Insurance Company Home Page   Delta Dental Insurance Company and its affiliates provide dental insurance to nearly one million enrollees in 10 states. We are a member of the national Delta Dental Plans Association, which collectively covers more than 30 million enrollees and includes the participation of more than 100,000 dentists.   General Information National office locations Broker information   New! Recommend your dentist for DeltaPremier, DeltaPreferred Option or Delta's Access membership.     Print a personalized ID card. See the instructions >> Individual dental plans now available online!* Plans are available to Florida and Texas residents. *In Florida, this plan is administered by Private Medical Care ("PMI"). *In Texas, this plan is offered by ALPHA Dental Programs and administered by Private Medical Care, Inc. ("PMI"), a third party administrator as designated by ALPHA. Click here for more information and to get started >>   © 2001 Delta Dental Insurance Company If any information contained on this web site conflicts with any applicable state law, the information will be deemed to conform to the minimum requirements of the state law.

Results from search: http://www.cda.org/public/dentalcare/consumer.htm

CDA Article - A Consumer's Guide to Dental Insurance     Selecting And Using Dental Benefits : A Consumer's Guide To Dental Insurance     It's Important To Put Your Money Where Your Mouth Is When most people think about health insurance, they think first about covering costs of treatment for serious medical conditions or accidents. That's a natural thing to do. But there's another type of insurance that's equally important to your well being--dental insurance. Because dental disease is so common, being protected by dental insurance and using it wisely are essential safeguards for you and your family. There's A World Of Difference Between Medical And Dental Disease... Unlike medical disease, which can be both unpredictable and catastrophic, most dental ailments are preventable. Preventive care, including regular checkups and cleanings, is the key to maintaining your oral health. With regular visits to the dentist, problems can be diagnosed early and treated without extensive testing or elaborate and expensive procedures. That keeps the costs of dental care much lower than those of medical care. In fact, total spending for dental care is decreasing. In 1970, it made up 6.3 percent of total health care expenditures. But in 1991, dental care's share of health care spending was only 4.9 percent. ...And Between Medical And Dental Benefits Medical insurance is designed primarily to cover the costs of diagnosing, treating and curing serious illnesses. This process may involve a primary care physician and multiple specialists, a variety of tests performed by doctors and laboratories, multiple procedures and masses of medications. Depending on the health, age and attitudes of people in the medical coverage group, costs can fluctuate widely. Dental insurance works differently. Most dental coverage is designed to ensure that the patient receives regular preventive care. High quality dental care rarely requires the complex, multiple resources often required by medical care. A thorough examination by the dentist and a set of x-rays are all it usually takes to diagnose a problem. By and large, dental care is provided by a general practitioner, although some cases may require the services of a dental specialist. Because most dental disease is preventable, dental benefits plans are structured to encourage patients to get the regular, routine care so vital to preventing and diagnosing the onset of serious disease. In fact, most dental benefits plans require patients to assume a greater portion of the costs for treatment of dental disease than for preventive procedures. By placing an emphasis on prevention, and by covering regular teeth cleaning and check-ups, Americans saved nearly $100 billion in dental care costs during the 1980s. Dental Insurance Is Helping Keep America Healthy The availability of dental insurance is the single greatest factor in helping you get the dental care you need. More than 48 percent of all Americans--113 million of us--are covered by privately financed dental insurance plans. This compares with just 12 million people who had such coverage in 1970. As a result of increased access to regular care and the widespread use of preventive measures, the incidence of dental decay has dropped sharply. Half of today's school children never have had a cavity. Different Plans for Different Needs--Know the Differences Consumers can choose from an assortment of dental benefits plans that accommodate a variety of needs and expectations. The following factors differentiate one plan from another: 1. the type of third party responsible for funding and administration of the plan; 2. the alternatives offered for selecting a dentist; 3. the structure used to compensate the dentist for services provided; and 4. the method by which benefits and payments are calculated. Understanding these differences is essential to making an informed decision when selecting a plan and using the benefits. 1. Third Parties Regardless of the dental benefits plan, there are usually three parties involved: you, the patient; the dentist providing care; and a third party with whom you or your employer contracts for coverage. If your options include a plan funded by your employer, you may have an administrator responsible for processing and payment of claims. The primary responsibility of the third party is to provide the financial foundation for your dental benefits plan. There are three types of third parties. Dental Service Corporations. These not-for-profit organizations negotiate and administer contracts for dental care to individuals or specific groups of patients. Delta Dental Plan and Blue Cross/Blue Shield Plans are examples of this third party type. Insurance Carriers. These for-profit companies underwrite the financial risk of, and process payment claims for, dental services. Carriers contract with individuals or patient groups to offer a variety of dental benefits packages, often including both fee-for-service and managed care plans. Self-Funded Insurers. These companies use their own funds to underwrite the expense of providing dental care to their employees. The company pays for the dental costs of its employees, usually with limitations on services and fixed-dollar allocations. 2. Choosing a Dentist Dental benefits plans can be categorized by the options offered for selecting a dentist. Some plans allow you the freedom to choose your own dentist, while others, in exchange for lower rates, limit your choice. These two alternatives are called open and closed panel plans. Open Panel. This type of dental benefits plan allows covered patients to receive care from any dentist and allows any dentist to participate. Any dentist may accept or refuse to treat patients enrolled in the plan. Open panel plans often are described as freedom of choice plans. Closed Panel. This type of plan allows covered patients to receive care only from dentists who have signed a contract of participation with the third party. The third party contracts with a certain percentage of dentists within a particular geographic area. There are two types of closed panel plans. Preferred Provider Organization (PPO) - This plan allows a particular group of patients to receive dental care from a defined panel of dentists. The participating dentist agrees to charge less than usual fees to this specific patient base, providing savings for the plan purchaser. If the patient chooses to see a dentist who is not designated as a "preferred provider," that patient may be required to pay a greater share of the fee-for-service. Exclusive Provider Organization (EPO) - This closed panel plan allows a particular group of patients to receive dental care only from participating dentists. Although there may be some exceptions for emergency and out-of-area care, if a patient decides to see a dentist which is not listed on the EPO panel, charges for service will not be covered by the plan. Because participating dentists are required to offer substantial fee reductions, many dentists elect not to participate in EPO-type plans. Under some benefits plans, participating dentists may be salaried employees of the EPO. An EPO contracts with a limited number of practitioners within a geographic area. Access to necessary specialized care can be restricted. The EPO also may limit the amount of services that a patient can receive in a given calendar year. 3. Paying The Dentist When choosing a benefits plan, it is important to know who pays what to whom. Dental plans can be categorized into three types based on the compensation and treatment provided. Indemnity Plans. This type of plan pays the dentist on a traditional fee-for-service basis. A monthly premium is paid by the patient and/or the employer to an insurance carrier, which directly reimburses the dentist for the services provided. Insurance companies usually pay between 50 percent and 80 percent of the dentist's fee for covered services; the remaining 20 percent to 50 percent is paid by the patient. These plans often have a pre-determined deductible, a dollar amount which varies from plan to plan, that the patient must pay before the insurance carrier will begin paying for care. Indemnity plans also can limit the amount of services covered within a given year and pay the dentist based on a variety of fee schedules. Capitation Plans. This type of plan provides comprehensive dental care to enrolled patients through designated provider dentists. A Dental Health Maintenance Organization (DHMO) is a common example of a capitation plan. The dentist is paid on a per capita (per head) basis rather than for actual treatment provided. Participating dentists receive a fixed monthly fee based on the number of patients assigned to the office. In addition to premiums, patient co-payments may be required for each visit. Direct Reimbursement Plans. Under this self-funded plan, an employer or company sponsor pays for dental care with its own funds, rather than paying premiums to an insurance carrier or third party. The patient pays the dentist directly and, once furnished with a receipt showing payment and services received, the employer reimburses the employee a fixed percentage of the dental care costs. The plan may limit the amount of dollars an employee can spend on dental care within a given year, but often places no limit on services provided. Patients can select a dentist of their choice and, in conjunction with the dentists, can play an active role in planning the treatment most appropriate and affordable to ensure optimum oral health. 4. Calculating Payments A clear understanding of the methods used to calculate benefits and payments will allow you to compare and evaluate the purchasing power of different plans. The following are four common payment schedules. Capitation (per capita). This fee schedule is used by plans structured to provide a predefined level of benefits. Because dental care needs vary by individual, it is critical to have a thorough understanding of the level or range of services "defined" or covered by the plan. Under this fee schedule, the patient is responsible to pay for treatment not covered within the scope of the plan. In some cases, the allocated payment a dentist receives from the benefits plan, including patient co-payments, is less than the actual cost of providing care. Patients often settle for less-than-optimal treatment alternatives or postpone necessary services when their co-payments do not cover all possible options. Table of Schedule of Allowances. Plans using this form of benefits calculation establish a maximum dollar limit for each covered procedure, regardless of the fee charged by the dentist. If you select a plan that uses this type of table or schedule, ask how often the table is adjusted for inflation or for changes in accepted dental procedures. In these plans, the difference between the allowed charge and the dentist's fee is paid directly by the patient. Patients should understand that contracted fee reductions listed in some plan allowance schedules can significantly diminish the level and quality of care delivered. Contracted rates are based on the size of the patient population and projections of the amount and type of treatment performed within a given time frame. Since cost control drives this payment approach, your ability to choose your dentist or see a specialist may be limited. Direct Reimbursement. In this self-funded plan, the patient pays the doctor for services. The employer or plan sponsor reimburses the employee for a predetermined percentage of all costs. Under this fee schedule, the employee has an incentive to work with the dentist to plan healthy and economical solutions. Usual, Customary & Reasonable (UCR). Most indemnity (traditional fee-for-service) plans use this payment schedule. It allows patients to select their own dentist. The UCR schedule pays benefits based on a fixed percentage of the lesser of the dentist's fee or the fee determined by the insurance carrier to be "usual," "customary" or "reasonable" for the service in the community in which the service was delivered. Wide fluctuations in UCR fees between communities have made this payment system highly controversial. Because many insurance carriers set the UCR percentage too low in comparison to the area's usual professional fees, patients may wind up paying more out-of-pocket. Most payments are made directly to the dentist, but in some instances they are made to the beneficiary. Dental Plans Do Have Their Limitations Today's health insurance, including your dental plan, is designed to help you get the care you need at a reasonable cost. Because each person's oral health is different, costs can vary widely. To control dental treatment costs, most plans will limit the amount of care you can receive in a given year. This is done by placing a dollar "cap" or limit on the amount of benefits you can receive, or by restricting the number or type of services that are covered. Some plans may totally exclude certain services or treatment to lower costs. Know specifically what services your plan covers and excludes. There are, however, certain limitations and exclusions in most dental benefits plans that are designed to keep dentistry's costs from going up without penalizing the patient. All plans exclude experimental procedures and services not performed by or under the supervision of a dentist, but there may be some less obvious exclusions. Sometimes dental coverage and health insurance may overlap. Read and understand the conditions of your dental plan. Exclusions in your dental plan may be covered by your medical insurance. The California Dental Association encourages consumers to choose plans that impose dollar or service limitations, rather than those that exclude categories of service. By doing so, you can receive the care that's best for you and actively participate with the dentist in the development of treatment plans that give the most and highest quality care. To help you stretch each dental benefit dollar, most plans provide patients and purchasers with special administrative services. Find out if your plan provides the following mechanisms to help you budget, analyze and dispute, if necessary, the costs of your dental care. Predetermination of Costs. Some plans encourage you or your dentist to submit a treatment proposal to the plan administrator before receiving treatment. After review, the plan administrator may determine: the patient's eligibility; the eligibility period; services covered; the patient's required co-payment; and the maximum limitation. Some plans require predetermination for treatment exceeding a specified dollar amount. This process is also known as preauthorization, precertification, pretreatment review or prior authorization. Although your dental benefits plan may not be bound to predetermined costs, this mechanism can help you and your dentist plan and budget a treatment plan appropriate to your oral health needs. Annual Benefits Limitations. To help contain costs, your plan may limit your benefits by number of procedures and/or dollar amount in a given year. In most cases, particularly if you've been getting regular preventive care, these limitations allow for adequate coverage. By knowing in advance what and how much your plan allows, you and your dentist can plan treatment that will minimize your out-of-pocket expenses while maximizing compensation offered by your benefits plan. Peer Review for Dispute Resolution. Many plans provide a peer review mechanism through which disputes between third parties, patients and dentists can be resolved, eliminating many costly court cases. Peer review is established to ensure fairness, individual case consideration and a thorough examination of records, treatment procedures and results. Most disputes can be resolved satisfactorily for all parties. Premium Adjustments and Reevaluations. Patients and plan purchasers should insist on regular reviews of premium levels to ensure that UCR or Table of Allowances payment schedules are equitable. This analysis can help optimize your benefit levels, ensuring that every dollar you spend is used wisely. Coordination of Benefits. If you are covered under two dental benefits plans, notify the administrator or carrier of your primary plan about your dual coverage status. Plan benefits coordination can help protect your rights and maximize your entitled benefits. In some cases you may be assured full coverage where plan benefits overlap, and receive a benefit from one plan where the other plan lists an exclusion. Eight Things To Consider When Choosing Your Dental Plan What looks like a bargain today may not be a good buy in the long run. While your out-of-pocket costs are, of course, an important part of your decision-making process when choosing a dental plan, they are not the only criteria to use when evaluating your options. Your primary focus should be to determine whether the coverage will satisfy your dental care needs. Consider the following: 1. Does the plan give you the freedom to choose your own dentist or are you restricted to a panel of dentists selected by the insurance company? If you have a family dentist with whom you are satisfied, consider the effects changing dentists will have on the quality or quantity of care you receive. Because regular visits to the dentist reduce the likelihood of developing serious dental disease, it's best to have and maintain an established relationship with a dentist you trust. 2. Who controls treatment decisions--you and your dentist or the dental plan? Many plans require dentists to follow treatment plans that rely on a Least Expensive Alternative Treatment (LEAT) approach. If there are multiple treatment options for a specific condition, the plan will pay for the less expensive treatment option. If you choose a treatment option that may better suit your individual needs and your long-term oral health, you will be responsible for paying the difference in costs. It's important to know who makes the treatment decisions under your plan. These cost control measures may have an impact on the quality of care you'll receive. 3. Does the plan cover diagnostic, preventive and emergency services? If so, to what extent? Most dental plans provide coverage for selected diagnostic services, preventive care and emergency treatment that are basic for maintaining good oral health. But the extent or frequency of the services covered by some plans may be limited. Depending upon your individual oral health needs, you may be required to pay the dentist directly for a portion of this basic care. Find out how much treatment is allowed in any given year without cost to you, and how much you will have to pay for yourself. Every dental care plan is different. It's your responsibility to be informed about what your specific plan will cover. As a basis of comparison, the following services should be covered in full, with no deductible or patient co-payment: Initial Oral Examination --once per dentist Recall Examinations --twice per year Complete x-ray survey --once every three years Cavity-detecting bite-wing x-rays --once per year Prophylaxis or teeth cleaning --twice per year Topical Fluoride treatment --twice per year Sealants --for those under age 18 4. What routine corrective treatment is covered by the dental plan? What share of the costs will be yours? While preventive care lessens the risk of serious dental disease, additional treatment may be required to ensure optimal health. A broad range of treatment can be defined as routine. Most plans cover 70 percent to 80 percent of such treatment. Patients are responsible for the remaining costs. Examples of routine care include: Restorative care - amalgam and composite resin fillings and stainless steel crowns on primary teeth Endodontics - treatment of root canals and removal of tooth nerves Oral Surgery - tooth removal (not including bony impaction) and minor surgical procedures such as tissue biopsy and drainage of minor oral infections. Periodontics - treatment of uncomplicated periodontal disease including scaling, root planning and management of acute infections or lesions Prosthodontics --repair and/or relining or reseating of existing dentures and bridges. Understand what routine dental care is covered by the plan, and what percentage of the costs will come our of your pocket. 5. What major dental care is covered by the plan? What percentage of these costs will you be required to pay? Since dental benefits encourage you to get preventive care, which often eliminates the need for major dental work, most plans are not generous when it comes to paying for major dental work, most plans cover less than 50 percent of the cost of major treatment. Most plans limit the benefits--both in number of procedures and dollar amount--that are covered in a given year. Be aware of these restrictions when choosing your plan and as you and your dentist develop treatment best suited for you. Major dental care includes: Restorative care --gold restorations and individual crowns Oral Surgery --removal of impacted teeth and complex oral surgery procedures. Periodontics --treatment of complicated periodontal disease requiring surgery involving bones, underlying tissues or bone grafts. Orthodontics --treatment including retainers, braces and/or diagnostic materials. Dental Implants --either surgical placement or restoration Prosthodontics --fixed bridges, partial dentures and removable or fixed dentures. 6. Will the plan allow referrals to specialists? Will my dentist and I be able to choose the specialist? Some plans limit referrals to specialists. Your dentist may be required to refer you to a limited selection of specialists who have contracted with the plan's third party. You also may be required to get permission from the plan administrator before being referred to a specialist. If you choose a plan with these limitations, make sure qualified specialists are available in your area. Look for a plan with a broad selection of different types of specialists. If you have children, you may prefer a plan that allows a pediatric dentist to be your child's primary care dentist. Since specialized treatment is generally more costly than routine care, some plans discourage the use of specialists. While many general practitioners are qualified to perform some specialized services, complex procedures often require the skills of a dentist with special training. Discuss the options with your dentist before deciding who is best qualified to deliver treatment. 7. Can you see the dentist when you need to, and schedule appointment times convenient for you? Dentists participating in closed panel or capitation plans may have select hours to see plan patients. They may schedule appointments for these patients on given days, or at specified hours of the day, restricting your access. Some dentist's fees for seeing you on weekends or during emergencies are high than those the plan allows. You may be required to pay additional costs yourself. If you select these types of plans, have a clear understanding of your dentist's policies as well as the plan's dentist-to-patient ratio. It's the best way to ensure your access to care is not unduly restricted and that you are not surprised by higher fees the plan does not cover. 8. Will the plan provide benefits to patients who may also be covered by another dental plan? It is not unusual to be eligible for dual benefits. You may be covered under your company's plan as well as under that of your spouse's employer. In analyzing your options, make sure to look for a plan that allows coordination of benefits. You should be entitled to either 100 percent coverage or some form of premium credit. By coordinating benefits, you can eliminate being penalized or denied coverage when the two plans have conflicting exclusions. Getting The Best And Most From Your Plan To take full advantage of your dental benefits plan, visit the dentist regularly and get the preventive care that will keep your mouth healthy. Follow the treatment plan you and your dentist have developed. Do your dental homework--brush and floss regularly and maintain a regular schedule of oral examinations and teeth cleanings. Should you need treatment for particular conditions, follow the procedure for predetermination required by your plan. Find out what your insurance will cover. Feel free to discuss a payment plan with your dentist for your portion of the treatment costs. Making An Informed Choice The law mandates that consumers with dental coverage receive a fully detailed patient information handbook--a Description of Benefits--that clearly outlines coverage, limitations and exclusions. Before selecting a plan that best suits your needs, ask your carrier or company benefits coordinator for a copy of the benefits handbook. If you have questions about coverage, exclusions, calculation of benefits or payment of benefits, ask before making your plan selection. Find out which plans your dentist participates in and why. That's the best way for you to get care from the dentist of your choice, and still take advantage of the costs savings due to you. Selecting an insurance program wisely isn't simple. But having the facts to make an informed decision can make a difference. No plan is perfect; each has its advantages and limitations. Read the fine print. And by all means ask questions. The more you know about dental benefits, the better equipped you will be to select the best coverage for your dental health. The California Dental Association (CDA) presents this information in the public interest. The information provided should not be construed as either an endorsement or recommendation by CDA. While this brochure attempts to be comprehensive, there may be questions that it has not answered fully. Consult your insurance carrier, insurance broker or company benefits coordinator for complete information. CALIFORNIA DENTAL ASSOCIATION We Like To See You Smile P.O. Box 13749, Sacramento, CA 95853-4749     Copyright © 1995-2002 California Dental Association. All Rights Reserved.   April 25, 2000

Results from search: http://www.workingatharvard.org/b-medical.html

Medical and Dental Benefits       Medical Plans | Medical Plans Comparison | Monthly Medical and Dental Rates | Dental Plan | Co-Pay Reimbursement | Out-of-State Employees | Flexible Spending Accounts When you become eligible to enroll in Harvard benefits, you’ll receive a package of information explaining your choices and containing the forms you’ll need to complete. If you do not receive these materials, please contact BSG. You must elect to participate within 30 days of your employment (or notification of eligibility if later). Otherwise, you may enroll during the annual fall open enrollment or if you experience a qualified change in family status (see life events). Once you are eligible for benefits, you must actively enroll in these plans by completing forms within 30 days of eligibility: Medical Dental Contributory Life insurance Long Term Care insurance Long Term Disability insurance Flexible Spending Accounts You are automatically covered under the following plans once you have met eligibility requirements: Basic Life insurance Retirement Plans Short Term Disability Co-payment Reimbursement Program You may enroll at any time, in the following plan: Tax Deferred Account Program    

Results from search: http://quotesonline.netfirms.com/car-insurance/medical.and.dental.insurance.html

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Results from search: http://healthquotes.iwarp.com/individualhealthinsurance/medical-and-dental-insurance.html

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Results from search: http://arpc.afrc.af.mil/xp/MedDenIns.htm

Medical and Dental Insurance Directorate of Plans Air Force Reserve Advisory Board (AFRAB) Assignments & recruiting issues Commander's programs/sustainment Current issues Discharge, separation & retirement E-mail listing Entitlements/benefits IMA information page IMA validation & funding Medical, dental & life insurance Military funeral honors MPA ,man-days Records Travel & lodging   Medical and dental insurance Reserve Dental Insurance:     TRICARE DENTAL PROGRAM Background Sec 711 of the National Defense Authorization Act for FY2000 authorized the addition of Selected Reserve and Individual Ready Reserve members and their respective family members as part of the TRICARE Dental Program (TDP) population base.  With the recompete of the TRICARE Family Member Dental Plan (TFMDP) contract, the Department has taken the opportunity to include these new populations to address the longstanding issues associated with the TFMDP, and to mitigate the problems associated with the TRICARE Selected Reserve Dental Program (TSRDP). The TDP was awarded to United Concordia Companies, Inc., on April 14, 2000 for the base period and five, one-year option periods.  The TDP offers a comprehensive, affordable and portable dental program that provides a uniform benefit for over three (3) million eligible military members and families worldwide. The TDP replaces the TFMDP and TSRDP, and begins dental coverage on February 1, 2001. Eligibility To be eligible for the TDP, an individual must be one of the following: A family member of an active duty Uniformed Service individual, Selected Reserve or Individual Ready Reserve (IRR). This includes children under the age of twenty-one (21) or, children up to age twenty-three (23) if enrolled full time in an accredited college or university. Children disabled prior to age twenty-one (21) or prior to age twenty-three (23), if full-time student, are eligible as long as the disability continues. A member of the Selected Reserve or IRR. A sponsor must have at least twelve (12) months remaining on his/her service commitment with the parent Service. This service commitment will be based on the time remaining in any single status or in any uninterrupted combination of active duty, Selected Reserve or IRR status. Family member (s) of a Reservist ordered to active duty for more than thirty (30) days, but less than twelve (12) months (other than training) in support of certain specific contingency operations. Enrollment Enrollment is voluntary, continuous and portable worldwide. Enrollment requires at least a twelve (12) month service commitment (active duty, reserve or combination of the two).  The contractor will validate the intent of the service members who intend to continue their service commitment with their parent Service for at least twelve (12) months, when the Defense Enrollment Eligibility Reporting System (DEERS) indicates they have less than twelve (12) months remaining.  Beneficiaries enrolled in the TFMDP and TSRDP when TDP coverage begins, must complete their respective two (2) and one (1) year enrollment periods established under those superseded plans except if one of the conditions for valid disenrollment applies. Members who live in CONUS (within the Continental U.S.) and who are transferred to OCONUS (outside the Continental U.S.) do not have to re-enroll in the TDP – enrollment is continuous. All eligible family members of a sponsor must be enrolled if any one of them is enrolled. Exceptions to this enrollment requirement include: 1) children ages one (1) to three (3) may be voluntarily enrolled and, 2) a sponsor may elect to enroll only those eligible family members residing in one location when the member has eligible family members residing in two (2) or more geographically separate locations. Eligibility for the TDP is continuous in situations where the sponsor or member changes status between any of the eligible categories and there is no break in service or transfer to a non-eligible status. The contractor will perform the enrollment function utilizing its "best business practices" for enrollment.  This will allow "real-time" enrollment interface between the contractor and DEERS.  The contractor will also make changes in enrollment, handle disenrollment and changes of address, and notify the sponsor of all enrollment changes. In the TFMDP, sponsors enrolled their family members through their local uniformed services personnel offices by completing a DD Form 2494 or 2494-1.  In the TSRDP, members enrolled directly through the contractor, Humana Military Healthcare Services, Inc.  Under the TDP, United Concordia will directly administer all enrollments. Individuals currently enrolled in the TFMDP or TSRDP will be automatically transferred to the TDP on February 1, 2001 – there is no action required by current enrollees to transfer to the TDP. Active duty sponsors of family members not currently enrolled in the TFMDP and who desired dental coverage prior to February 1, 2001, should have completed an enrollment application (DD Form 2494 or 2494-1) at their supporting personnel service center by November 17, 2000.  After November 17, 2000, the uniformed services personnel offices no longer accept new TFMDP enrollment applications – thus, new enrollment in TFMDP terminated November 17, 2000.  Likewise, new enrollment in the TSRDP terminated on November 17, 2000. Starting November 18, 2000, all new enrollment applications are for the TDP only and must be submitted directly to United Concordia. In order to receive TDP coverage at the start-up of the program on February 1, 2001, new enrollments must be received by United Concordia by January 20, 2001.  After February 1, 2001, TDP enrollment applications must be received by United Concordia by the twentieth (20 th ) of the month for coverage to begin on the first day of the next month.  Due to processing requirements, applications received after the twentieth (20 th ) day of the month may result in coverage not becoming effective until the first (1 st ) day of the second (2 nd ) month. Sponsors can enroll family members by completing a TDP enrollment form. Enrollment forms are available by calling UCCI at 1-888-622-2256, downloading the form from the UCCI website ( www.ucci.com ) or by visiting a local Uniformed Service personnel office, dental treatment facility, or Health Benefits Advisor/installation contact. Enrollment in the TDP does not require a payroll account however, all enrollment applications must be accompanied by one month’s premium payment.  Subsequent premiums will be paid through either payroll allotment or deduction, or in certain cases, by direct billing. Monthly Premiums The TDP premiums vary depending on the number enrolled and the type of plan. Single or Family Enrollment A single enrollment is one (1) covered eligible beneficiary. This includes one (1) active duty family member, a Selected Reserve or IRR member or, one (1) Selected Reserve or IRR family member. A family enrollment is two (2) or more covered eligible family members.  This includes two (2) or more active duty family members or two (2) or more Selected Reserve or IRR family members.  A member of the Selected Reserve or IRR does not have to be enrolled in order for his/her eligible dependents to enroll in the TDP. Note: A Selected Reserve or IRR sponsor may enroll independently of their family members.  Alternatively, a Selected Reserve or IRR sponsor may enroll their eligible family members and not themselves.  Due to government distribution of payment of premium, if a Selected Reserve or IRR and his/her family members enroll, there will be two policies under the same social security number. Premium Types TDP has two types of premium plans:  Premium sharing plan and Full premium plan. For the premium sharing plan, the enrollee pays forty percent (40%) of the monthly premium and the government pays sixty percent (60%) of the monthly premium. Family members of active duty, Selected Reserve members, IRR members (Special Mobilization Category) and family members of Reservists who are on active duty for more than thirty (30) days are eligible for the premium sharing plan. For the full premium plan, the service member is responsible for the full premium; the government does not share in the premium payments.  Enrollment in this plan is available to IRR members (other than Special Mobilization Category) and family members of IRR and Selected Reservists. New enrollees will pay one month of premium upon enrollment. Premium Payments The TDP premiums for the first two option years will be lower than for the fifth option period premium for the TFMDP.  Under the fifth option period for the TFMDP (8/00–1/01), the premium payment for single enrollment is $7.88 and for family enrollment, $19.70.  Under the TDP, for the premium sharing plan, the monthly premium for single enrollment is $7.63 and for family enrollment, $19.08 (2/01–1/02).  For the full premium plan, the monthly premium for single enrollment is $19.08 and for family enrollment, $47.69 (2/01–1/02). Premium payments are deducted from the sponsor’s payroll account however, if there is no payroll account or insufficient funds in the account, the contractor will directly bill the sponsor.  Once the contractor direct bills, this will continue until disenrollment or until the end of the contract.  IRR members and family members of the IRR and Selected Reserve are always direct billed for premiums. Maximum Benefits The TDP increases the annual and lifetime maximums.  The TFMDP annual maximum for general dentistry is $1,000 per year.  Under the TDP, the annual maximum has been increased to $1,200 and certain preventive/diagnostic services will not count against the enrollee’s annual maximum.  The TFMDP lifetime orthodontic maximum is $1,200 and is increased to $1,500 per lifetime under the TDP. There is no deductible under the TDP. Covered Services The TDP has an enhanced benefit package that builds on the TFMDP benefit package and is uniform and portable worldwide.  Some of the enhancements include general anesthesia, intravenous sedation, occlusal guards, athletic mouthpieces, additional oral evaluation per year, pulp vitality tests, sealants raised to age eighteen (18), orthodontic coverage for spouses, Selected Reserve and IRR members up to age twenty-three (23), and porcelain veneers and bleaching of discolorization on anterior teeth.  Additionally, cost shares for some services have been reduced for grades E1 to E4 to encourage utilization of the benefit.  Also, the one-year survivor benefit extends to the Selected Reserve and IRR family members. Note: Covered benefits are subject to certain limitations. Refer to the TDP Benefit Booklet for a complete list of covered services and detailed information on limitations, exclusions, benefit levels and program policies.   Type of Service Pay Grades E-1 to E-4 CONUS  All Other Pay Grades CONUS OCONUS * Diagnostic 0% 0% 0% Preventive (except sealants) 0% 0% 0% Emergency Services 0% 0% 0% Sealants 20% 20% 0% Basic Restorative 20% 20% 0% Endodontic 30% 40% 0% Periodontic 30% 40% 0% Oral Surgery 30% 40% 0% Other Restorative 50% 50% 50% Prosthodontic 50% 50% 50% Orthodontic 50% 50% 50% General Anesthesia 40% 40% 0% Intravenous Sedation 50% 50% 0% Consultation/Office Visit 20% 20% 0% Medication 50% 50% 0% Post Surgical Services 20% 20% 0% Miscellaneous Services (occlusal guard, athletic mouthguard, bleaching) 50% 50% 0%   *Selected Reserve and IRR family members and IRR (other than Special Mobilization Category) members will be responsible for the applicable cost share portion regardless if treatment is received CONUS or OCONUS. The Government will not pay any cost shares for these populations. Provider Network The TDP emphasizes a well-informed, robust and stable dental provider network and maintains provider reimbursement "floors" to ensure quality.  Although TDP enrollees can seek care from any licensed provider, if they visit a non-participating provider, they may incur additional costs.  Requirements for the provider network include the following: The contractor must maintain a 35-mile/21-day appointment access to a general dentist for at least ninety-five percent (95%) of CONUS enrollees. The contractor must include appropriate specialists in its network, such as, pedodontists, oral surgeons and orthodontists. The contractor must encourage providers to employ American Association of Pediatric Dentistry (AAPD) diagnostic/preventive guidelines for pediatrics and adolescent populations. Providers in the network shall complete DoD Form 2813 "Department of Defense Reserve Forces Dental Examination" for Reserves at no additional cost. The contractor must develop an ongoing utilization review program to ensure quality. Customer Satisfaction The TDP focuses on customer satisfaction by providing positive and negative incentives to the contractor for enrollment and utilization. The contractor is required to maintain at least an eighty-five percent (85%) enrollee satisfaction rating in any given month during the contract. The contractor is required to perform a monthly beneficiary satisfaction survey worldwide to measure the beneficiaries satisfaction with the provider network, access, claims processing, etc. The contractor is required to act on the results of the surveys and customer feedback in a timely manner and incorporate improvements. The contractor is required to emphasize diagnostic and preventive care, advancement of pediatric and adolescent oral health, and increased utilization by beneficiaries especially for those age seventeen (17) and under. The contractor is required to maintain required response levels for written and telephonic inquires. This includes an enhanced customer service program that provides a toll-free telephone number for OCONUS enrollees. For general information on the TRICARE Dental Program, call United Concordia at 1-800-866-8499, or visit their website at www.ucci.com . For enrollment information, call 1-888-622-2256. POC: Joe.Herbertson@arpc.denver.af.mil TRICARE There are three TRICARE options available:  TRICARE Prime (similar to a civilian Health Maintenance Organization - HMO), TRICARE Extra (similar to a civilian Preferred Provider Organization - PPO), and TRICARE Standard (similar to CHAMPUS). TRICARE Prime:  Reservists are eligible if on active duty orders for over 30 days.  Reservists' family members are eligible if the member is on active duty orders for over 179 days.  This option offers a voluntary enrollment but enrollment is for one year at a time.  Active duty families will not pay an enrollment fee, but retirees and their families will be charged $230.00 per person, per year, with a maximum of $460.00 per family, per year.  Enrollees will select a Primary Care Manager (PCM) who will coordinate all non-emergency care from within the Prime network of civilian and military providers, including referrals to specialists.  There is no deductible for Prime beneficiaries, and each visit to the PCM will require a copayment of $12.00.  The catastrophic cap for active duty families remains at $1000.00 per Fiscal Year, but the catastrophic cap for retired families has been decreased to $3,000.00 (from $7,500.00). Expanded preventive benefits will be available to prime beneficiaries, such as flu shots and periodic health checks, but not to Extra and Standard beneficiaries. A listing of the TRICARE Prime providers may be obtained by contacting the Health Care Finder, located at the various TRICARE Service Centers in each region, or by calling the toll-free number established by the TRICARE contractor. TRICARE Extra:  Reservists' family members are eligible if the member is on active duty orders for over 30 days.  This option does not require enrollment or an annual fee.  On a visit-by-visit basis, beneficiaries can seek care from the network of Prime providers.  While Extra does not require that referrals be obtained for specialty care, any tests requiring preauthorization (such as an MRI), is the responsibility of the Extra provider. Extra still requires the beneficiary to meet the annual outpatient deductible, but they enjoy a 5% discount on their cost-shares.  Also, network providers will file all claims for TRICARE beneficiaries.  The catastrophic cap remains the same as the previous CHAMPUS - that is $1,000.00 per Fiscal Year for active duty families, and $7,500.00 per Fiscal Year for retired families. TRICARE Standard:  Reservists' family members are eligible if the member is on active duty orders for over 30 days.  This option is similar to the previous CHAMPUS and does not require enrollment or an annual fee.  Ona visit-by-visit basis, beneficiaries can seek care from any TRICARE-certified provider. While Standard does not require any referral for specialty care, there are certain tests and procedures which require preauthorization.  This is the responsibility of the beneficiary. Standard still requires the beneficiary to meet the annual outpatient deductible and normal cost-share.  Claims must be filed within one year from the date of service, and it is the beneficiary's responsibility to ensure timely filing.  Also, the catastrophic cap remains the same as the Champus - that is, $1,000.00 per fiscal Year for active duty families, and $7,500.00 per Fiscal Year for retired families. There is no listing of Standard providers as they may elect to participate in TRICARE on a claim-by-claim basis.  It is recommended that Standard beneficiaries confirm their provider's participation status with each visit. j oe.herbertson@arpc.denver.af.mil   

Results from search: http://www.north-westcollege.com/

North West College of Medical and Dental Assistants, Pharmacy, Optometric, Insurance Billing, Administrative Employers Resources Alumni Agencies Contact Us About NW College Graduate Services Campus Locations Admission Financial Aid Medical Assistant Paralegal Computerized Accounting Specialist Computer Information Specialist Dental Assistant Pharmacy Technician Med Insurance Biller Medical Receptionist Med Admin Assistant Optometric Technician Contact Us Home Tell A Friend about   North-West College pharmacy technician, medical insurance biller, medical receptionist, administrative assistant, optometric technician, paralegal, computerized accounting specialist, computer information specialist Type In Your Name: Type In Your E-mail: Your Friend's E-mail: Your Comments: NWC Email System WELCOME  TO NORTH-WEST COLLEGE Four campus locations in Southern California: West Covina Pomona Pasadena Glendale Within the first week I graduated in 1984, I began working at Glendale Adventist Medical Center and loved it, then I went  to Santa Maria California and worked at Marian Medical Center for 11 years. I just love this work as a Pharmacy Technician and would  recommend it to anyone.. North-West College is the best starting off point for all... Kathleen Morales-Burton NWC Graduate This College has helped shape the careers of thousands of health care and business professionals. North-West College's curriculum is tailored to the needs of industry with an emphasis on the technical skills necessary for success in your chosen field of study. North-West College was founded in 1966 by my family who has been involved in the allied health field since the early 1950's. With over 25,000 graduates, your choice to attend will be a decision that will affect your entire life in a very positive way.  North-West College's desire is to prepare students in short-term courses for exciting careers in the medical and business field. This is accomplished by a professional faculty, a well qualified administration and knowledgeable support staff. The quality of education is the highest priority at North-West College. Students are accepted on their ability to benefit without regard for race, color or creed. Faculty and staff are chosen with the same non-discriminatory criteria, providing a charming, ethnically mixed staff who provide a professional career oriented educational experience, with enthusiastic support for all students in a multi-cultural environment.  I look forward to meeting you personally!    Mrs. Marsha Fuerst         Founder and Executive Director          North West College is:   Accredited by the Accrediting Commission of Career Schools and Colleges of Technology.     Approved by the Bureau for Private Post-Secondary Schools and Vocational Education.     Dental Assistant Programs are approved by the California Board of Dental Examiners to train dental assistants at the registered level.     The Pharmacy Technician Program is accredited and recognized by the American Society of Healthcare Pharmacists.     North-West College's courses are supervised by doctors, dentists,  pharmacists, paralegals and accountants.     A  charter member of the California Association of Private Post-Secondary Schools which includes the California Association of Paramedical Schools.     A  member of the local Chamber of Commerce for the past 35 years.     Approved for the training of veterans.     Approved to train State Vocational Rehabilitation students.     Endorsed by hospitals, doctors, dentists,  optometric, law and accounting  professionals for internship affiliation and graduate employment.      Our college  is recognized by business and industry for internship programs and graduate employment.     We  participate in the GAIN and ROP Programs.     We are  dedicated to helping graduates find jobs in their chosen career field. To achieve these goals, the College maintains an active Job Placement Assistance Program for all qualified graduates. In relationship with one of the major recruitment agencies and human resources in Los Angeles and Orange County, we successfully  help our students and graduates to find a job. Career planning begins with orientation day and remains an active process throughout the student's program. Also, NW College is putting WIA and WtW Clients to Work. North-West College is recognized as a volunteer group for student's community involvement by the following organizations:       American Cancer Society American Red Cross American Heart Association Los Angeles County Health Department Community Health Projects Planned Parenthood Cal Poly - Pomona - Health Center Medicine Shoppe Pharmacy Center Lanterman State Hospital Foothill AIDS Project   ©2000 North-West College. All rights reserved. Web Design and Internet Marketing by  

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