Dental Insurance - Not A Discount Dental Plan


Step ...Use your own dentist - Dental Insurance - Not A Discount Dental Plan
Review Your Dental Insurance Coverage
 
DELTA DENTAL INSURANCE - CALIFORNIA
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Dental Coverage Benefits and Co-Payment Schedule ...
DELTACARE© DENTAL INSURANCE COVERAGE
Individual  $97 Year
Individual + 1 Dependent  $155 Year
 
Family (3 or more)  $225  Year

InsuranceCompany.com an affiliate of Del Amo Insurance Services, Inc., through its' brokerage services, can arrange dental benefits with the Delta Dental Plan Association. We know cost is important, that's why we make dental preventive care so easy to get. Shopping for dental insurance doesn't get much easier than this... a prepaid dental plan. You have selected the Delta Dental© Plan of California administered by PMI Dental Health Plan.
 

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DeltaCare programs provide rigorous controls to assure quality care. Network dentist undergo on-site quality audits. Auditors examine office hours, number of staff members, convenience of location, sterilization techniques, recordkeeping, opportunities available to staff, type of equipment, continuing education, range of services provided and the dentist's own quality assurance system. Contracted dentists must have been in practice for at least five years and must be able to provide 24-hour emergency service. Once accepted into the network, the dentist's office is visited regularly by a DeltaCare representative.

 

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The DeltaCare panel includes oral surgeons, endodontists, pedodontists, periodontists and orthodontists. When a DeltaCare primary care dentist refers a patient to a specialist, the DeltaCare program reimburses the specialist directly for prior authorized treatment. Unlike many managed care dental programs, DeltaCare doesn't require the primary care dentist to pay for specialty care, a practice which encourages appropriate referral. (The patient pays the same copayment for specialty care services whether performed by the primary care dentist or by a referred specialist.)

DeltaCare offers a broad range of covered benefits:

All services are covered in full or with patient copayments as shown in the schedule of benefits and copayments.

  • Diagnostic and preventive services, including examinations, consultations and x-rays. Also included are prophylaxis (cleaning), topical application of preventive solutions and sealants (age limitations may apply) and space maintainers.

  • Emergency services, to relieve pain and infection.

  • Restorative services, including amalgam, porcelain and plastic restorations (fillings) for treatment of carious lesions (visible destruction of tooth surface resulting from the process of decay). Crowns and jackets are also covered when teeth cannot be restored with the materials mentioned above.

  • Oral surgery, including extractions and certain other surgical procedures.

  • Endodontics, including pulpal therapy and root canal filling.

  • Periodontics, treatment of the tissue supporting the teeth.

  • Fixed bridges, covered subject to administrative policies.

  • Removable prosthetics, including full or partial dentures.

  • Orthodontic care, for adults and/or dependent children, subject to the availability of network orthodontists.

DeltaCare dentists receive a predetermined amount each month for each patient enrolled with their office. Because these dentists have already contracted to provide services to DeltaCare patients, there are no claim forms.

dental plans, discount dental plansPayment must be received by PMI Delta Dental by the 15th of the month for coverage to be effective the first day of the following month. If your payment is not received by the 15th day of the month, coverage will become effective the first day of the second month.
 
DESCRIPTION OF BENEFITS AND CO-PAYMENTS
 
The benefits shown below are performed as needed and deemed necessary by the attending Contract Dentist subject to the limitations and exclusions of the program. Please refer to Schedule B for further clarification of benefits. Enrollees should discuss all treatment options with their Contract Dentist prior to services being rendered.

Text that appears in italics below is specifically intended to clarify the delivery of benefits under the DeltaCare USA program and is not to be interpreted as CDT-2007 procedure codes, descriptors or nomenclature that are under copyright by the American Dental Association. The American Dental Association may periodically change CDT codes or definitions. Such updated codes, descriptors and nomenclature may be used to describe these covered procedures in compliance with federal legislation.

 
D0100-D0999 I. DIAGNOSTIC
   
D1000-D1999 II. PREVENTIVE
   
D2000-D2999 III. RESTORATIVE
   
D3000-D3999 IV. ENDODONTICS
   
D4000-D4999 V. PERIODONTICS
   
D5000-D5899 VI. PROSTHODONTICS (removable)
   
D5900-D5999 VII. MAXILLOFACIAL PROSTHETICS - Not Covered
   
D6000-D6199 VIII. IMPLANT SERVICES - Not Covered
   
D6200-D6999 IX. PROSTHODONTICS, FIXED
   
D7000-D7999 X. ORAL AND MAXILLOFACIAL SURGERY
   
D8000-D8999 XI. ORTHODONTICS
   
D9000-D9999 XII. ADJUNCTIVE GENERAL SERVICES
 
Procedures not listed above are not covered; however they may be available at the Contract Dentist's "filed fees." Filed fees" means the Contract Dentist's fees on file with Delta Dental. Questions regarding these fees should be directed to Delta Dental's Customer Service department at (800) 422-4234.
 
SCHEDULE B - EXCLUSIONS OF BENEFITS
 
  1. All procedures not shown in Schedule A, Description of Benefits and Copayments.
  2. Dental conditions arising out of and due to Enrollee's employment for which Workers' Compensation is paid. Services that are provided to you by state government or agency thereof, or are provided without cost by any municipality, county or other subdivision, except as provided in Section 1373(a) of the California Health and Safety Code.
  3. All related fees for admission, use, or stays in a hospital, out-patient surgery center, extended care facility, or other similar care facility.
  4. Loss or theft of full or partial dentures, space maintainers, crowns and fixed partial dentures (bridges).
  5. Dental expenses incurred in connection with any dental procedures started after termination of eligibility for coverage.
  6. Dental expenses incurred in connection with any dental procedure started before the Enrollee's eligibility with the DeltaCare USA program. Examples include: teeth prepared for crowns, root canals in progress, orthodontics.
  7. Congenital malformations (e.g. congenitally missing teeth, supernumerary teeth, enamel and dentinal dysplasias, etc.), except for the treatment of newborn children with congenital defects or birth abnormalities.
  8. Dispensing of drugs not normally supplied in a dental facility.
  9. Any procedure that in the professional opinion of the Contract Dentist or our dental consultant:
    1. has poor prognosis for a successful result and reasonable longevity based on the condition of the tooth or teeth and/or surrounding structures, or
    2. is inconsistent with generally accepted standards for dentistry.
  10. Dental services received from any dental facility other than the assigned Contract Dentist, including the services of a dental specialist, unless expressly preauthorized in writing by us or as cited under Emergency Services. To obtain written authorization, the Enrollee should call the Customer Service department at (800) 422-4234.
  11. Consultations for non-covered benefits.
  12. Implant placement or removal, appliances placed on or services associated with implants, including but not limited to prophylaxis and periodontal treatment.
  13. Porcelain crowns, porcelain fused to metal or resin with metal type crowns and fixed partial dentures (bridges) for children under 16 years of age.
  14. Restorations placed solely due to cosmetics, abrasions, attrition, erosion, restoring or altering vertical dimension, congenital or developmental malformation of teeth.
  15. Appliances or restorations necessary to increase vertical dimension, replace or stabilize tooth structure loss by attrition, realignment of teeth, periodontal splinting, gnathologic recordings, equilibration or treatment of disturbances of the temporomandibular joint (TMJ).
  16. An initial treatment plan which involves the removal and reestablishment of the occlusal contacts of 10 or more teeth with crowns, onlays, fixed partial dentures (bridges), or any combination of these is considered to be full mouth reconstruction under the DeltaCare USA program. Crowns, onlays and fixed partial dentures associated with such a treatment plan are not covered Benefits. This exclusion does not affect any other Benefits.
  17. Precious metal for removable appliances, metallic or permanent soft bases for complete dentures, porcelain denture teeth, precision abutments for removable partials or fixed partial dentures (overlays, implants, and appliances associated therewith) and personalization and characterization of complete and partial dentures.
  18. Extraction of teeth, when teeth are asymptomatic/non-pathologic (no signs or symptoms of pathology or infection), including but not limited to the removal of third molars and orthodontic extractions.
  19. Treatment or extraction of primary teeth when exfoliation (normal shedding and loss) is imminent.
  20. Treatment or appliances that are provided by a Dentist whose practice specializes in prosthodontic services.
  21. Accidental injury. Accidental injury is defined as damage to the hard and soft tissue of the oral cavity resulting from forces external to the mouth. Damages to the hard and soft tissues of the oral cavity from normal masticatory (chewing) function will be covered at the normal schedule of benefits.
ORTHODONTIC LIMITATIONS
 
The DeltaCare USA Program provides coverage for orthodontic treatment plans provided through Contract Orthodontists. The cost to the Enrollee for the treatment plan is listed in Schedule A, Description of Benefits and Copayments and subject to the following:
  1. Orthodontic treatment must be provided by the Contract Orthodontist.
  2. Benefits cover 24 months of active comprehensive orthodontic treatment. Included is the initial examination, diagnosis, consultation, initial banding, 24 months of active treatment, de-banding and the retention phase of treatment. The retention phase includes the initial construction, placement and adjustment to retainers and office visits for a maximum of two years.
  3. Treatment plans extending beyond 24 months of active treatment, or 24 months of the retention phase of treatment will be subject to a monthly office visit fee to the Enrollee not to exceed $75.00 per month.
  4. Should an Enrollee's coverage be cancelled or terminated for any reason, and at the time of cancellation or termination be receiving any orthodontic treatment, the Enrollee and not Delta Dental will be responsible for payment of any balance due for treatment provided after cancellation or termination. In such a case the Enrollee's payment shall be based the Contract Orthodontist's usual fee at the beginning of treatment. The amount will be pro-rated over the number of months to completion of the treatment and will be payable by the Enrollee on such terms and conditions as are arranged between the Enrollee and the Contract Orthodontist.
  5. If treatment is not required or the Enrollee chooses not to start treatment after the diagnosis and consultation has been completed by the Contract Orthodontist, the Enrollee will be charged a consultation fee of $85.00 in addition to diagnostic record fees.
  6. Three recementations or replacements of a bracket/band on the same tooth or a total of five rebracketings/rebandings on different teeth during the covered course of treatment are Benefits. If any additional recementations or replacements of brackets/bands are performed, the Enrollee is responsible for the cost at the Contract Orthodontist's usual fee.
  7. The Copayment is payable to the Contract Orthodontist who initiates banding in a course of orthodontic treatment. If, after banding has been initiated, the Enrollee changes to another Contract Orthodontist to continue orthodontic treatment, (i) the Enrollee will not be entitled to a refund of any amounts previously paid, and (ii) the Enrollee will be responsible for all payments, up to and including the full Copayment, that are required by the new Contract Orthodontist for completion of the Orthodontic treatment.
  8. Coverage and treatment under this Program are conditioned on patients following the treatment plan recommended by their Contract Orthodontist. Failure to follow the instructions of the Contract Orthodontist can compromise the health of teeth and/or gums, which may necessitate discontinuation of treatment. Patients who are required to restart their orthodontic treatment because of non-compliance with the treatment plan will be subject again to all applicable Copayments.
ORTHODONTIC EXCLUSIONS
 
  1. Pre-, mid- and post-treatment records which include cephalometric x-rays, tracings, photographs and study models.
  2. Lost, stolen or broken orthodontic appliances.
  3. Changes in treatment necessitated by accident of any kind.
  4. Surgical procedures incidental to orthodontic treatment.
  5. Myofunctional therapy.
  6. Surgical procedures related to cleft palate, micrognathia, or macrognathia.
  7. Treatment related to temporomandibular joint disturbances.
  8. Supplemental appliances not routinely used in typical comprehensive orthodontics.
  9. Restorative work caused by orthodontic treatment.
  10. Phase I orthodontics, as well as activator appliances and minor treatment for tooth guidance and/or arch expansion. Phase I orthodontics is defined as early treatment including interceptive orthodontia prior to the development of late mixed dentition.
  11. Extractions solely for the purpose of orthodontics.
  12. Treatment in progress at inception of eligibility.
  13. Composite bands, lingual adaptation of orthodontic bands and other specialized or cosmetic alternatives to standard fixed and removable orthodontic appliances.
    

   
 

Members can save on all dental charges and procedures including dental restorative cosmetic work (fillings, dental crowns, dental braces, dental implant's) and dental product related items, etc.), dental hygiene services, preventative work (teeth cleaning, x-rays, etc).  General dentistry, dental hygienist, dental assistant, dental assisting and all specialties where available are covered.

DENTAL INSURANCE COVERAGE
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