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Products:

Dental Programs

Overview:

Dental insurance consistently ranks as the #1 benefit asked for by employees after health coverage. Dental plans are available on an employer paid basis, contributory or on a purely voluntary basis.

The problem today is that many employers can't afford to absorb the cost of adding a dental program or continuing their current employer-paid dental program. Voluntary dental programs are a great solution. These plans allow employees and their families to purchase dental coverage through the convenience of payroll deduction. Not only will the employees receive quality dental coverage at affordable group rates but they will also be able to pay for the coverage through a Section 125 plan which offers tax advantages to both the employee and the employer.

There are many different types of dental plans available (click on each for more info):

  • Indemnity Plans
  • Preferred Provider Organizations (PPO)
  • Managed Care Dental Programs (DHMO)

LANDMARK can provide you with a detailed analysis of each of the above plan types and tailor a program specifically for your organizations needs. Whether your company needs a dental plan that's employer paid, contributory or 100% voluntary we will show you multiple, unique options. A combination of plans may also be used to give your employees a choice.

Indemnity Dental Plans

Indemnity dental plans allow you to use any dentist you choose. They will pay you or your dentist, scheduled amounts based on what procedure is being performed. When paired with a discount network, they are one of the most cost effective plans you can buy.

Preferred Provider Organizations (PPO)

insurance plans are arrangements where the companies have a negotiated fee for service. There are specific schedules depending on the procedure in exchange for the dentist being put on a list of "preferred" providers. Employers give the list to their employees to match them up with dentists who participate with the dental plan. Dental insurance can help people pay for dental treatment, but it almost always has some limitations.

Most insurance plans have a deductible that is at least $50 or $100. They will only pay a certain percentage for each type of treatment, and have maximum amount that can be spent each year on dental care. Most of the PPO dental plans will cover preventive care such as cleanings, check-ups, protective dental sealants, x-rays, and fluoride treatments. They will usually cover 80% to 100% of the total cost. Basic care, including root canals, extractions, and fillings are usually covered at the rate of 80%. Major care such as crowns or caps, bridgework, and full or partial dentures as well as periodontal (gum) care are often covered at 50%. Many insurance companies have a yearly maximum amount that they will cover of $1000-$1500.

Dental Health Maintenance Organization (DHMO)

This type of dental insurance also has a group of dentists who are part of a network. However, these dentists offer a discount to clients who are part of the same insurance company because the insurance company offers them a prepayment. These plans traditionally have higher benefit levels and lower out of pocket expenses compared to traditional plans but benefits are greatly reduced if you are not in the network.

Contact Information:

Landmark Insurance Associates, Inc.

5388 East Mountain Street
Stone Mountain, GA 30083

Tel: 770-498-6969
Fax: 770-498-1969