Dental Insurance
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Delta Dental PPO
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Dental Select PPO
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Humana One Dental Insurance
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United Health One
Types of Dental Plans
Since 1983 Lay and Williams Insurance Services has been bringing consumers in the Fort Worth and Dallas Metropolitan areas new answers to assist in the affordability of their health care needs. Maintaining your dental health willhelp you in other health related areas.
Here we offer a selection of individual and family dental products that will help you pay for routine dental care as well as crowns, periodontics, endodontics and orthodontics.
PPO Managed Care With Flexibility
Like other kinds of managed care, Preferred Provider Organizations have networks of dental professionals. The network of dentists, orthodontists, and other care providers agree to accept reduced fees from the PPO plan. In return, the providers get more business. The PPO plan pays out less money in claims, and plan members pay less in premiums.
But unlike other managed care plans, PPO plans still cover you when you see a dentist outside the plan network. Youll save more money by staying within the network. But you don't need to get referrals or wait for plan approvals to go seek treatment. This flexibility is a big part of why PPO plans are so popular.
The Advantages of PPO Insurance Plans:
The affordability of PPO dental plans limit the amount you're responsible for paying out of your own pocket.
You will have flexibility to see any specialist you'd like for treatment, without needing a referral.
The networks are convenient and large.
Dental HMO Plans (DHMO)
There's no deductible to meet, and no annual dollar maximum. In most cases, no claim forms to file, and no waiting period for coverage.
No copayments are required for most diagnostic and preventive services.
Each family member chooses his or her own network dentist.
Second opinions are available at no charge when we arrange them.
Referrals are not required for members or their covered dependents to receive care from a Network Orthodontist.
Members will be covered for most preventive services, including two exams and cleanings per year, X-rays, and two fluoride treatments for children. In addition, members can select a participating pediatric dentist as a primary care dentist for dependent children under age seven and no referral is needed. Based on your plan design, coverage for braces (orthodontia) for children and adults may be included.
All network dentists complete a credentialing process.
The Good And Bad About HMOs:
HMOs are popular because they offer affordable comprehensive coverage. Some of their advantages include:
Your copayments are low.
Generally there is no deductible.
The provider networks are large.
HMOs don't work for everyone, though. Here are a few reasons some people pass them up:
You will have less flexibility because you always have to get your dental care from a member of the network to get coverage.
In some cases, particularly expensive treatments, the HMO plan may require approval before it will cover it.
Discount Dental Plans:
Maintaining healthy teeth and gums is vital to our dental health and wellbeing, yet many people forgo the dental care they need due to the high costs involved. At Lay and Williams Insurance, we have a solution for those who lack dental health insurance and are looking for dental care savings.
Our discount dental plans are dental insurance alternatives that start at only $60.00 PER YEAR and provide discounts of 10% to 60% on most dental procedures. It is easy to find a dentist and plan in your area.
There are thousands of people nationwide that do not receive dental insurance coverage through their employer. Many of these people are turning to discount dental plans as an alternative to traditional dental-insurance plans.
If you already have a High Deductible Health Plan and accompanying HSA, the discount plans allow you to purchase dental benefits with the funds at discounted prices.
We want to help you save money on your dental care. Explore the advantages of dental insurance alternatives by reviewing a discount dental plan.
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QCD Dental Discount Plan
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Safeguard Dental HMO Plan
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Vote Here for Best Insurance
Lay & Williams Insurance Services
3112 Forest Avenue
Ft. Worth, Texas 76112
1-800-281-8783
betty@layandwilliams.com
