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Randolph
Ackley
Ackworth
Adair
Adel
Afton
Agency
Ainsworth
Akron
Albert City
Albia
Albion
Alburnett
Alden
Alexander
Algona
Alleman
Allendorf
Allerton
Allison
Alta
Alta Vista
Alton
Altoona
Alvord
Amana
Ames
Anamosa
Andover
Andrew
Anita
Ankeny
Anthon
Aplington
Arcadia
Archer
Aredale
Argyle
Arion
Arispe
Arlington
Armstrong
Arnolds Park
Arthur
Asbury
Ashton
Aspinwall
Atalissa
Atkins
Atlantic
Auburn
Audubon
Aurelia
Aurora
Austinville
Avoca
Ayrshire
Badger
Bagley
Baldwin
Bancroft
Barnes City
Barnum
Batavia
Baton Rouge
Battle Creek
Baxter
Bayard
Beacon
Beaman
Beaver
Bedford
Belle Plaine
Bellevue
Belmond
Bennett
Benton
Bernard
Berwick
Bettendorf
Bevington
Birmingham
Blairsburg
Blairstown
Blakesburg
Blanchard
Blencoe
Blockton
Bloomfield
Blue Grass
Bode
Bonaparte
Bondurant
Boone
Booneville
Bouton
Boxholm
Boyden
Braddyville
Bradford
Bradgate
Brandon
Brayton
Breda
Bridgewater
Brighton
Bristow
Britt
Bronson
Brooklyn
Brunsville
Bryant
Buckeye
Buckingham
Buffalo
Buffalo Center
Burlington
Burnside
Burr Oak
Burt
Bussey
Calamus
Callender
Calmar
Calumet
Camanche
Cambridge
Cantril
Carbon
Carlisle
Carpenter
Carroll
Carson
Carter Lake
Cascade
Casey
Castalia
Castana
Cedar
Cedar Falls
Cedar Rapids
Center Junction
Center Point
Centerville
Central City
Chapin
Chariton
Charles City
Charlotte
Charter Oak
Chatsworth
Chelsea
Cherokee
Chester
Chillicothe
Churdan
Cincinnati
Clare
Clarence
Clarinda
Clarion
Clarksville
Clear Lake
Clearfield
Cleghorn
Clemons
Clermont
Climbing Hill
Clinton
Clio
Clive
Clutier
Coggon
Coin
Colesburg
Colfax
College Springs
Collins
Colo
Columbia
Columbus City
Columbus Junction
Colwell
Conesville
Conrad
Conroy
Coon Rapids
Cooper
Coralville
Corning
Correctionville
Corwith
Corydon
Coulter
Council Bluffs
Craig
Crawfordsville
Crescent
Cresco
Creston
Cromwell
Crystal Lake
Cumberland
Cumming
Curlew
Cushing
Cylinder
Dakota City
Dallas
Dallas Center
Dana
Danbury
Danville
Davenport
Davis City
Dawson
Dayton
De Soto
Decatur
Decorah
Dedham
Deep River
Defiance
Delhi
Delmar
Deloit
Delta
Denison
Denmark
Denver
Derby
Des Moines
Dewar
DeWitt
Dexter
Diagonal
Dickens
 
Dike
Dixon
Dolliver Donahue
Donnellson
Doon
Dorchester
Douds
Dougherty
Dow City
Dows
Drakesville
Dubuque
Dumont
Duncombe
Dundee
Dunkerton
Dunlap
Durango
Durant
Dyersville
Dysart
Eagle Grove
Earlham
Earling
Earlville
Early
Eddyville
Edgewood
Elberon
Eldon
Eldora
Eldridge
Elgin
Elk Horn
Elkader
Elkhart
Elkport
Elliott
Ellston
Ellsworth
Elma
Elwood
Ely
Emerson
Emmetsburg
Epworth
Essex
Estherville
Evansdale
Everly
Exira
Exline
Fairbank
Fairfax
Fairfield
Farley
Farmersburg
Farmington
Farnhamville
Farragut
Fayette
Fenton
Ferguson
Fertile
Floris
Floyd
Fonda
Fontanelle
Forest City
Fort Atkinson
Fort Dodge
Fort Madison
Fostoria
Fredericksburg
Frederika
Fremont
Fruitland
Galt
Galva
Garber
Garden City
Garden Grove
Garnavillo
Garner
Garrison
Garwin
Geneva
George
Gibson
Gifford
Gilbert
Gilbertville
Gillett Grove
Gilman
Gilmore City
Gladbrook
Glenwood
Glidden
Goldfield
Goodell
Goose Lake
Gowrie
Graettinger
Grafton
Grand Junction
Grand Mound
Grand River
Grandview
Granger
Grant
Granville
Gravity
Gray
Greeley
Greene
Greenfield
Greenville
Grimes
Grinnell
Griswold
Grundy Center
Gruver
Guernsey
Guthrie Center
Guttenberg
Halbur
Hamburg
Hamilton
Hamlin
Hampton
Hancock
Hanlontown
Harcourt
Hardy
Harlan
Harper
Harpers Ferry
Harris
Hartford
Hartley
Hartwick
Harvey
Hastings
Havelock
Haverhill
Hawarden
Hawkeye
Hayesville
Hazleton
Hedrick
Henderson
Hiawatha
Highlandville
Hills
Hillsboro
Hinton
Holland
Holstein
Holy Cross
Homestead
Honey Creek
Hopkinton
Hornick
Hospers
Houghton
Hubbard
Hudson
Hull
Humboldt
Humeston
Huxley
Ida Grove
Imogene
Independence
Indianola
Inwood
Ionia
Iowa City
Iowa Falls
Ira
Ireton
Irwin
Jamaica
Janesville
Jefferson
Jesup
Jewell
Johnston
Joice
Jolley
Kalona
Kamrar
Kanawha
Kellerton
Kelley
Kellogg
Kensett
Keokuk
Keosauqua
Keota
Kesley
Keswick
Keystone
Killduff
Kimballton
Kingsley
Kirkman
Kirkville
Kiron
Klemme
Knierim
Knoxville
La Motte
La Porte City
Lacona
Ladora
Lake City
Lake Mills
Lake Park
Lake View
Lakota
Lamoni
Lamont
Lanesboro
Langworthy
Lansing
Larchwood
Larrabee
Latimer
Laurel
Laurens
Lawler
Lawton
Le Claire
Le Grand
Le Mars
Ledyard
Lehigh
 
Leighton
Leland
Lenox Leon
Lester
Letts
Lewis
Liberty Center
Libertyville
Lidderdale
Lime Springs
Lincoln
Linden
Lineville
Linn Grove
Lisbon
Liscomb
Little Cedar
Little Rock
Little Sioux
Littleport
Livermore
Lockridge
Logan
Lohrville
Lone Rock
Lone Tree
Long Grove
Lorimor
Lost Nation
Lovilia
Low Moor
Lowden
Lu Verne
Luana
Lucas
Luther
Luxemburg
Luzerne
Lynnville
Lytton
Macedonia
Macksburg
Madrid
Magnolia
Malcom
Mallard
Malvern
Manchester
Manilla
Manly
Manning
Manson
Mapleton
Maquoketa
Marathon
Marble Rock
Marcus
Marengo
Marion
Marne
Marquette
Marshalltown
Martelle
Martensdale
Martinsburg
Mason City
Masonville
Massena
Matlock
Maurice
Maxwell
May City
Maynard
Mc Callsburg
Mc Causland
Mc Clelland
Mc Intire
McGregor
Mechanicsville
Mediapolis
Melbourne
Melcher
Melrose
Melvin
Menlo
Meriden
Merrero
Merrill
Meservey
Middle Amana
Middletown
Miles
Milford
Millersburg
Millerton
Milo
Milton
Minburn
Minden
Mineola
Mingo
Missouri Valley
Mitchellville
Modale
Mondamin
Monmouth
Monona
Monroe
Montezuma
Monticello
Montour
Montpelier
Montrose
Moorhead
Moorland
Moravia
Morley
Morning Sun
Morrison
Moscow
Moulton
Mount Auburn
Mount Ayr
Mount Sterling
Mount Union
Moville
Mt Pleasant
Mt Vernon
Murray
Muscatine
Mystic
Nashua
Nemaha
Neola
New Albin
New Hampton
New Hartford
New Liberty
New London
New Market
New Providence
New Sharon
New Vienna
New Virginia
Newell
Newhall
Newsome
Newton
Nichols
Nodaway
Nora Springs
North Buena Vista
North English
North Liberty
North Washington
Northboro
Northwood
Norwalk
Norway
Oakdale
Oakland
Oakville
Ocheyedan
Odebolt
Oelwein
Ogden
Okoboji
Olds
Olin
Ollie
Onawa
Onslow
Oran
Orange City
Orchard
Orient
Osage
Osceola
Oskaloosa
Ossian
Otho
Otley
Oto
Ottosen
Ottumwa
Oxford
Oxford Junction
Oyens
Pacific Junction
Packwood
Palmer
Palo
Panama
Panora
Park View
Parkersburg
Parnell
Paton
Patterson
Paullina
Pella
Peosta
Percival
Perry
Persia
Peru
Peterson
Pierson
Pilot Grove
Pilot Mound
Pisgah
Plainfield
Plano
Pleasant Hill
Pleasant Valley
Pleasantville
Plover
Plymouth
Pocahontas
Polk City
Pomeroy
Popejoy
Portsmouth
Postville
Prairie
Prairieburg
Prescott
Preston
Primghar
Princeton
Prole
Promise City
Protivin
Pulaski
Quasqueton
Quimby
Radcliffe
Rake
 
Ralston
Randalia
Randall
Raymond
Readlyn
Reasnor
Red Oak
Redding
Redfield
Reinbeck
Rembrandt
Remsen
Renwick
Rhodes
Riceville
Richland
Ricketts
Ridgeway
Ringsted
Rippey
Riverside
Riverton
Robins
Rock Falls
Rock Rapids
Rock Valley
Rockford
Rockwell
Rockwell City
Rodney
Roland
Rolfe
Rome
Rose Hill
Rowan
Rowley
Royal
Rudd
Runnells
Russell
Ruthven
Rutland
Ryan
Sabula
Sac City
Saint Anthony
Saint Charles
Saint Donatus
Saint James
Saint Lucas
Saint Marys
Saint Olaf
Saint Paul
Salem
Salix
Sanborn
Saylorville
Scarville
Schaller
Schleswig
Scranton
Searsboro
Selma
Sergeant Bluff
Seymour
Shambaugh
Shannon City
Sharpsburg
Sheffield
Shelby
Sheldahl
Sheldahl
Sheldon
Shell Rock
Shellsburg
Shenandoah
Sherrill
Shueyville
Siam
Sibley
Sidney
Sigourney
Silver City
Sioux Center
Sioux City
Sioux Rapids
Slater
Sloan
Smithland
Soldier
Solon
Somers
South Amana
South English
Spencer
Sperry
Spillville
Spirit Lake
Spragueville
Springbrook
Springville
St Ansgar
Stacyville
Stanhope
Stanley
Stanton
Stanwood
State Center
Steamboat Rock
Stockport
Stockton
Storm Lake
Story City
Stout
Stratford
Strawberry Point
Stuart
Sully
Sumner
Superior
Sutherland
Swaledale
Swan
Swea City
Swedesburg
Swisher
Tabor
Tama
Teeds Grove
Templeton
Tennant
Terril
Thayer
Thompson
Thor
Thornburg
Thornton
Thurman
Tiffin
Tingley
Tipton
Titonka
Toddville
Toeterville
Toledo
Tracy
Traer
Treynor
Tripoli
Troy Mills
Truesdale
Truro
Turin
Udell
Underwood
Union
Unionville
University Park
Urbana
Urbandale
Ute
Vail
Van Horne
Van Meter
Van Wert
Varina
Ventura
Victor
Villisca
Vincent
Vining
Vinton
Viola
Volga
Wadena
Walcott
Walford
Walker
Wall Lake
Wallingford
Walnut
Wapello
Washta
Waterloo
Waterville
Watkins
Waucoma
Waukee
Waukon
Waverly
Wayland
Webb
Webster
Webster City
Weldon
Wellman
Wellsburg
Welton
Wesley
West Bend
West Branch
West Burlington
West Chester
West Des Moines
West Grove
West Liberty
West Point
West Union
Westfield
Westgate
Westphalia
Westside
Wever
What Cheer
Wheatland
Whiting
Whittemore
Whitten
Williams
Williamsburg
Williamson
Wilton
Windsor Heights
Winfield
Winterset
Winthrop
Wiota
Woden
Woodbine
Woodburn
Woodward
Woolstock
Worthington
Yale
Yarmouth
Yorktown
Zearing
Zwingle
 

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Traditional dental insurance is often perceived as the best way to pay for dental expenses. And while dental insurance is an excellent option when sponsored by your employer, it may not be very cost effective when you are paying for it.

Most individual dental insurance plans require you to satisfy waiting periods and deductibles before having major and sometimes even minor restorative work done. Discount dental plans help make maintaining good oral health a lot more affordable. And, with no waiting periods or complicated coverage procedures, dental discount plans are about as simple as you can get.

How do discount dental plans work? As we become aware about our oral health, there has been a demand for affordable dental care. Discount dental plans are the newest option for those without coverage. These dental discount plans are much cheaper than traditional dental insurance, and also offer almost equal coverage for all dental work, even cosmetic procedures not covered by standard indemnity dental plans.

The catch is that dental discount plans are not really insurance at all. They work more like club memberships, where the cost of membership (your "premium") earns a steep discount on any club service (dental work) you buy. The discount normally applies to all dental office services performed by an approved "plan" dentist, but no procedure is covered completely.

What are the ins and outs of discount dental plans? When it comes to dental discount plans, the good news is afford ability, breadth of services, and immediate coverage. The bad news is greater financial risk and responsibility on your part.

Although the monthly cost of most discount dental plans is very low compared to the price of a traditional dental insurance or indemnity insurance policy, there's more allover financial risk with a dental discount plan. No care is totally covered, so an expensive procedure will mean a big out-of-pocket expense, even with the dental plan. And even when undergoing a low-cost service (like cleaning), you'll still be expected to pick up a part of the cost.

However, on the plus side, discount dental plans are effective immediately - so are many procedures you need now will be covered as soon as you buy the dental discount plan. Traditional indemnity and/or insurance dental plans usually impose a waiting period of between 6 and 18 months for any major procedure. The last "pro" is that all good dental discount plans should come with a money-back guarantee.

Indemnity Plans

This type of dental plan pays the dental office (dentist) on a traditional fee-for-service basis. A monthly premium is paid by the client and/or the employer to an insurance company, which then reimburses the dental office (dentist) for the services rendered. An insurance company usually pays between 50% - 80% of the dental office (dentist) fees for a covered procedures; the remaining 20% - 50% is paid by the client.

These plans often have a pre-determined or set deductible amount which varies from plan to plan. Indemnity plans also can limit the amount of services covered within a given year and pay the dentist based on a variety of fee schedules. Some typical features of these plans:

  • High deductibles before coverage begins (well-designed plans don't apply the deductible to preventive services)

  • Probationary periods on certain procedures that last up to a year

  • Annual dollar limit on benefits

  • Chose your own dentist

  • Your average monthly cost: $15 to $25

  • Companies selling these plans are regulated by state insurance departments.

Dental HMOs

These insurance plans, also known as "capitation plans," operate like their medical HMO cousins. This type of dental plan provides a comprehensive dental care to enrolled patients through designated provider office (dentist). A Dental Health Maintenance Organization (DHMO) is a common example of a capitation plan. The dentist is paid on a per capita (per person) basis rather than for actual treatment provided.

Participating dentists receive a fixes monthly fee based on the number of patients assigned to the office. In addition to premiums, client co-payments may be required for each visit. Some typical features of these plans:

  • Monthly premiums (some require you to prepay a year's worth)

  • Co-payments for office visits

  • Free preventive or routine care

  • You must select from an approved network of dentists

  • May have an initial enrollment fee

  • Annual dollar cap

  • Your average monthly cost: $5 to $15

  • Companies selling these plans are regulated by state insurance departments.

Preferred Provider Organizations

Another true insurance plan, a Preferred provider organizations ( PPO) falls somewhere between an indemnity plan and a dental HMO. This plan allows a particular group of patients to receive dental care from a defined panel of dentists. The participating dentist agrees to charge less than usual fees to this specific patient base, providing savings for the plan purchaser.

If the patient chooses to see a dentist who is not designated as a "preferred provider," that patient may be required to pay a greater share of the fee-for-service.  A group of dentists agrees to provide services at a deeply discounted rate, giving you substantial savings as long as you stay in their network. Unlike the more restrictive DHMO, though, you can go out of network and still receive some benefits. Some typical features of these plans:

  • Monthly premiums

  • Annual dollar cap

  • You must stay within the approved network of dentists or pay higher deductibles and co-payments

  • Your average monthly cost: $20-25

  • Companies selling these plans are regulated by state insurance departments.

Dental Discount

This type of dental plan is not insurance. The managing organizations have negotiated with local dental offices to establish a set price for a particular dental procedure and offer deep discounts (some up to 70%) off the regular ADA pricing code.

This plan has several advantages over traditional dental insurance plans, namely, there are no exclusions for pre-existing conditions. This allows a patient to receive immediate coverage for work without meeting any waiting period requirements.

Direct Reimbursement Plans

A dental care plan now coming into vogue is the direct reimbursement plan. This is a self-funded benefit plan not insurance in which an employer pays for dental care with its own funds, rather than paying premiums to an insurance company or third-party administrator.

You, the patient, pay the full amount directly to the dentist, then get a receipt detailing services rendered and the cost, which you show to your employer. The employer reimburses you for part or all of the dental costs, depending on your specific benefits.

Your company might reimburse 100 percent of your first $100 of dental expenses and then 80 percent of the next $500, and 50 percent of the next $2,000, with a total annual maximum benefit of $1,500. Or it might reimburse only 50 percent of your first $1,000, resulting in a $500 yearly cap.

Some typical features of a direct reimbursement plan:

  • Neither you nor your employer pay monthly premiums

  • Freedom to choose any dentist

  • Typical employer cost: depends on the number of employees and benefit caps

  • Benefits usually capped at $500 to $2,000 annually.

Dental care is quite different than medical care. Major illness can strike at any time and the costs can be enormous. Most dental disease is preventable and treatment is predictable. Regular checkups and professional cleaning can help maintain your oral health and so dental benefits are written to encourage patients to seek preventative care in order to prevent more serious dental problems.

What do you look for in choosing a plan?

Does the plan give you the freedom to choose your own dentist or are you restricted to a panel of dentists selected by the insurance company? If you have a family dentist with whom you are satisfied, consider the effects changing dentists will have on the quality or quantity of care you receive. Because regular visits to the dentist reduce the likelihood of developing serious dental disease, it's best to have and maintain an established relationship with a dentist you trust

Who controls treatment decisions--you and your dentist or the dental plan? Many plans require dentists to follow treatment plans that rely on a Least Expensive Alternative Treatment (LEAT) approach. If there are multiple treatment options for a specific condition, the plan will pay for the less expensive treatment option.

If you choose a treatment option that may better suit your individual needs and your long-term oral health, you will be responsible for paying the difference in costs. It's important to know who makes the treatment decisions under your plan. These cost control measures may have an impact on the quality of care you'll receive.

Does the plan cover diagnostic, preventive and emergency services? If so, to what extent? Most dental plans provide coverage for selected diagnostic services, preventive care and emergency treatment that are basic for maintaining good oral health.

But the extent or frequency of the services covered by some plans may be limited. Depending upon your individual oral health needs, you may be required to pay the dentist directly for a portion of this basic care. Find out how much treatment is allowed in any given year without cost to you, and how much you will have to pay for yourself.

  • Initial Oral Examination----once per dentist

  • Recall Examinations----twice per year

  • Complete x-ray survey----once every three years

  • Cavity-detecting bite-wing x-rays----once per year

  • Prophylaxis or teeth cleaning----twice per year

  • Topical Fluoride treatment----twice per year

  • Sealants----for those under age 18

What routine corrective treatment is covered by the dental plan? What share of the costs will be yours? While preventive care lessens the risk of serious dental disease, additional treatment may be required to ensure optimal health. A broad range of treatment can be defined as routine. Most plans cover 70 percent to 80 percent of such treatment. Patients are responsible for the remaining costs. Examples of routine care include:

  • Restorative care - amalgam and composite resin fillings and stainless steel crowns on primary teeth

  • Endodontics - treatment of root canals and removal of tooth nerves

  • Oral Surgery - tooth removal (not including bony impaction) and minor surgical procedures such as tissue biopsy and drainage of minor oral infections.

  • Periodontics - treatment of uncomplicated periodontal disease including scaling, root planning and management of acute infections or lesions

  • Prosthodontics--repair and/or relining or reseating of existing dentures and bridges.

What major dental care is covered by the plan? What percentage of these costs will you be required to pay? Since dental benefits encourage you to get preventive care, which often eliminates the need for major dental work, most plans are not generous when it comes to paying for major dental work, most plans cover less than 50 percent of the cost of major treatment.

Most plans limit the benefits--both in number of procedures and dollar amount--that are covered in a given year. Be aware of these restrictions when choosing your plan and as you and your dentist develop treatment best suited for you. Major dental care includes:

  • Restorative care--gold restorations and individual crowns

  • Oral Surgery--removal of impacted teeth and complex oral surgery procedures.

  • Periodontics--treatment of complicated periodontal disease requiring surgery involving bones, underlying tissues or bone grafts.

  • Orthodontics--treatment including retainers, braces and/or diagnostic materials.

  • Dental Implants--either surgical placement or restoration

  • Prosthodontics--fixed bridges, partial dentures and removable or fixed dentures.

Will the plan allow referrals to specialists? Will my dentist and I be able to choose the specialist? Some plans limit referrals to specialists. Your dentist may be required to refer you to a limited selection of specialists who have contracted with the plan's third party. You also may be required to get permission from the plan administrator before being referred to a specialist. If you choose a plan with these limitations, make sure qualified specialists are available in your area. Look for a plan with a broad selection of different types of specialists.

If you have children, you may prefer a plan that allows a pediatric dentist to be your child's primary care dentist. Since specialized treatment is generally more costly than routine care, some plans discourage the use of specialists. While many general practitioners are qualified to perform some specialized services, complex procedures often require the skills of a dentist with special training. Discuss the options with your dentist before deciding who is best qualified to deliver treatment.

Can you see the dentist when you need to, and schedule appointment times convenient for you? Dentists participating in closed panel or capitation plans may have select hours to see plan patients. They may schedule appointments for these patients on given days, or at specified hours of the day, restricting your access.

Some dentist's fees for seeing you on weekends or during emergencies are high than those the plan allows. You may be required to pay additional costs yourself. If you select these types of plans, have a clear understanding of your dentist's policies as well as the plan's dentist-to-patient ratio. It's the best way to ensure your access to care is not unduly restricted and that you are not surprised by higher fees the plan does not cover.

Insurance companies do their best to ensure that their policyholders understand their plans and benefits, but it is up to an individual to make sure that they are making informed choices. The differences in the various plans you can choose from are:

  • The type of third party funding the plan.

  • Methods of selecting a dentist.

  • Compensation of the dentist's services to you.

  • The calculations of benefits and payments.

Understanding these differences will enable you to make an informed decision when selecting a dental plan that is best for you or your family.
 

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.

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