SUN LIFE INSURANCE DENTAL HOW TO

Talk to your dentist and find out what plans he/she recommends. You probably already have a dentist who you visit regularly. Such plans can have a longer waiting period and are more expensive.

In case you do not have any group insurance plan, you need to consider an individual plan. Group insurance is much less expensive than an individual policy. Find out if your employer offers a dental insurance group insurance plan. Group insurance policies are offered by employers.

If you want the best dental insurance, then you need to keep certain guidelines in mind while choosing a policy Get group insurance, if possible The entire bill has to be paid by you only. All forms of cosmetic treatment are not covered under dental insurance. In the case of major procedures like crowns, implants, etc., only 50% of the bill is reimbursed. However, for basic care like fillings, extractions, and root canals, the i nsurance company would only pay 80% of the bill. If you are treated by a dentist who is part of the network, then you can get 100% reimbursement for all preventive plans. When you get a dental insurance policy from an i nsurance agency like SunGate Insurance, the reimbursement you get depends on the treatment opted for.

SUN LIFE INSURANCE DENTAL HOW TO

You can understand how to find the best dental insurance by reading this article. Dental insurance can help you cover most types of dental work so you can get reimbursed for the treatment. The scope of coverage may also be limited. Dental insurance can help you manage this situation.Р”В¬onventional insurance may not cover dental treatment. If more than one member of your family requires treatment like dental implants, then the bill can become extremely expensive. Even if it is just a basic cleaning that you want to get done, the bill can be hefty. Just as life insurance, home insurance, and automobile insurance are important, so is dental insurance. Insurance offers protection against risk.

Business Owner's Package (BOP) Insurance.

Please refer to your dental plan summary for specific information about your benefits. As shown in the example, the patient saved $90 by using a PPO dentist. Visiting a PPO dentist typically results in lower out-of-pocket expenses. In this example, you can see the impact of co-insurance on a PPO claim: Non-PPO dentists do not discount their fees.

The co-insurance for a non-PPO dentist is based on the lesser of the dentist's fee or the usual, customary and reasonable fee.

In the example below, the co-insurance is applied after the PPO dentist's discount.

The co-insurance for a PPO dentist is based on the discounted fee.

The impact of co-insurance on a standard claim is illustrated in this example: Dentist charge for a crownР”В¬o-insurance applies differently to Preferred Provider Organization (PPO) and non-PPO claims. Please refer to your dental plan summary for specific information.Р”Р‡ollowing is a typical breakdown for co-insurance payments. The examples on this page are for education only. The co-insurance generally applies after the deductible has been met and only applies to covered expenses. Patient balance bill (for amount exceeding R&C)Р”В¬o-insurance refers to the percentage the insurance company or administrator and the patient are responsible for. The UCR fee at the 90th percentile in the following example is $800. Please refer to your dental plan summary for specific information. The following examples are for education only. This is commonly referred to as balance billing.

If a dentist's fee exceeds the UCR level, the dentist can bill you for the difference between his or her charge and the amount allowed by the plan.

If a dentist's fee is below the UCR level, UCR will probably not impact your claim because plans generally pay the lesser of UCR or the dentist's actual fee.

The following information describes how UCR fee schedules and balance billing can impact your claim: The Fee Lookup feature will assist you by providing you with a benchmark to better understand whether your dentist's charges are reasonable. Major US cities and associated fees for a crown. The figures used are at the 50th percentile. The following map shows some sample fees for a crown in different areas of the country. UCR fee levels differ from one geographic area to another. If your plan pays up to the 90th percentile, this means that 90% of dentists in a given area charge that fee or less. It is important for you to understand what level of UCR your plan pays because it can impact the payment of your claim.

UCR guidelines were put in place to help control dental inflation. Usual, Customary & Reasonable (UCR) is the common term for fee guidelines insurance companies use to pay claims. Р’В« Previous page UCR fees and balance billing

Sun life insurance dental