Calendar Year 2012 Dental Insurance
- Assurant Prepaid Plan
- The Prepaid Plan provides dental
services at pre-determined co-pay amounts. Members
must receive services from a participating network
general dentist or specialist dentist. There is no
deductible to meet, no claims to file, no waiting
period, and no annual dollar maximum.
- Delta Dental Preferred Dental
Organization
- Under the PDO,
members can choose any dentist, however, you receive
maximum benefits when using a network provider. No
referrals are required and you or your dentist file
claims for covered services. Some services require
waiting periods (e.g., orthodontia) and limitations and
exclusions apply.
You pay co-insurance for many covered services and your share is based on the "maximum allowable charge" for a given service. You will pay less out-of-pocket when seeking care from a network provider because network dentists and specialists typically agree to the allowable charge upfront. Out-of-network providers typically charge more than the allowable charge, resulting in higher costs for you.
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Comparison of Plans
Insurance Continuation
Contact
Director
P115 Andy Holt Tower
Knoxville, TN 37996
865-974-5251 Phone
865-974-3530 Fax