Types of Managed Care Dental Insurance Plans

Employee Managed Care Dental Insurance: Health Maintenance / Preferred Provider Organization, Point-of-Service Plans, Indianapolis, Indiana

Many types of managed care dental insurance plans are available, with or without employer contribution toward the cost, for groups of two or more. In addition to fully-insured indemnity plans, we can also offer your employees cost-effective managed care dental options such as:

• Dental Health Maintenance Organizations (HMO) - provides dental services through a network of designated providers only. Use of an out-of-network dentist may require insured to pay the entire bill
   
• Preferred Provider Organizations (PPO) - provides dental care to its members through a network of dentists who offer discounted fees to its plan members. Out-of-network dentists may be used, but charges above scheduled discount fees are paid by the insured
   
• Point of Service (POS) Plans -  allows members to choose either an in-network dentist or a dentist not in the HMO network. Out-of-network services usually require higher out-of-pocket costs than in-network care

Programs can be designed to let your employees to select the coverage option they want, either choosing a plan with lower out-of-pocket expenses, or a more expensive plan with higher premiums and/or out-of-pocket costs but offering more flexibility and freedom of choice.

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Employee Benefits Administrator Groups

To remove the burden and cost from employers, we also administer these programs. Learn more at Employee Benefits Management / Administration.