American Compensation Service

Great oral health is an essential part of a healthy lifestyle. Our dental insurance plans can help you maximize your oral health. In fact, people with dental insurance are more than twice as likely to visit their dentist regularly. Choosing a dental insurance plan can be overwhelming—monthly premiums, annual maximums, deductibles and more leave you with a lot to consider. American Compensation Service wants to make your decision easier by demystifying the process of dental benefits.

The three styles of dental plans include Dental Maintenance Organization (DMO), Preferred Provider Organization (PPO) and Indemnity plans.

• DMO
  

  This style of dental plan offers a very limited selection of dentists. You select a dentist from a list and obtain all of your dental requirements through this dentist. The DHMO style dental plan offers the lowest premiums.

• PPO
  

  The PPO dental plan offers a greater selection of dentists than the DMO plan. The plans generally have a two-tier structure. Tier one or in-network provides you with the highest benefits. You can use the tier two or out-of-network benefits, but you will generally pay more dollars out of pocket for the services. The premiums for the PPO plans are higher than the DMO but lower than the indemnity plans.

• Indemnity
  

  The indemnity plan offers you the greatest flexibility and allows you to see any licensed dentist. The indemnity plan premium is generally higher than the PPO plans.

Choices in Plans

Most PPO and Indemnity plans will offer the following choices                             

Calendar year maximum per person	$1,000, $1,500 or $2,000
Calendar year deductible	$25, $50 or $75
Orthodontics	Depends on group size

Material discussed is meant for general illustration and/or informational purposes only and it is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Therefore, the information should be relied upon when coordinated with professional advice. Information is subject to change without notice.