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Ada
Adams
Adolph
Adrian
Afton
Ah Gwah Ching
Aitkin
Akeley
Albany
Albert Lea
Alberta
Albertville
Alborn
Alden
Aldrich
Alexandria
Almelund
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Altura
Alvarado
Amboy
Andover
Angle Inlet
Angora
Angus
Annandale
Anoka
Apple Valley
Appleton
Arco
Arden Hills
Argyle
Arlington
Arnold
Ashby
Askov
Atwater
Audubon
Aurora
Austin
Avoca
Avon
Babbitt
Backus
Badger
Bagley
Baker
Balaton
Barnesville
Barnum
Barrett
Barry
Battle Lake
Baudette
Baxter
Bayport
Beardsley
Beaver Bay
Beaver Creek
Becker
Bejou
Belgrade
Belle Plaine
Bellingham
Beltrami
Belview
Bemidji
Bena
Benedict
Benson
Bertha
Bethel
Big Falls
Big Lake
Bigelow
Bigfork
Bingham Lake
Birchdale
Bird Island
Biwabik
Blackduck
Blaine
Blomkest
Blooming Prairie
Bloomington
Blue Earth
Bluffton
Bock
Borup
Bovey
Bowlus
Bowstring
Boyd
Braham
Brainerd
Branch
Brandon
Breckenridge
Brewster
Bricelyn
Brimson
Britt
Brook Park
Brooklyn Center
Brooklyn Park
Brooks
Brookston
Brooten
Browerville
Browns Valley
Brownsdale
Brownsville
Brownton
Bruno
Buckman
Buffalo
Buffalo Lake
Buhl
Burnsville
Burtrum
Butterfield
Byron
Caledonia
Callaway
Calumet
Cambridge
Campbell
Canby
Cannon Falls
Canton
Canyon
Carlos
Carlton
Carver
Cass Lake
Castle Rock
Cedar
Center City
Ceylon
Champlin
Chandler
Chanhassen
Chaska
Chatfield
Chisago City
Chisholm
Chokio
Circle Pines
Clara City
Claremont
Clarissa
Clarkfield
Clarks Grove
Clear Lake
Clearbrook
Clearwater
Clements
Cleveland
Climax
Clinton
Clitherall
Clontarf
Cloquet
Cohasset
Cokato
Cold Spring
Coleraine
Collegeville
Cologne
Columbia Heights
Comfrey
Comstock
Conger
Cook
Coon Rapids
Correll
Cosmos
Cottage Grove
Cotton
Cottonwood
Courtland
Crane Lake
Cromwell
Crookston
Crosby
Crosslake
Crystal
Crystal Bay
Currie
Cushing
Cyrus
Dakota
Dalbo
Dalton
Danube
Danvers
Darfur
Darwin
Dassel
Dawson
Day
Dayton
Deephaven
Deer Creek
Deer River
Deerwood
Delano
Delavan
Dennison
Dent
Detroit Lakes
Dexter
Dilworth
Dodge Center
Donaldson
Donnelly
Dover
 
Dovray
Duluth Dumont
Dundas
Dunnell
Eagan
Eagle Bend
Eagle Lake
East Bethel
East Grand Forks
Easton
Echo
Eden Prairie
Eden Valley
Edgerton
Edina
Effie
Eitzen
Elbow Lake
Elgin
Elizabeth
Elk River
Elko
Elkton
Ellendale
Ellsworth
Elmore
Elrosa
Ely
Elysian
Embarrass
Emily
Emmons
Erhard
Erskine
Esko
Essig
Euclid
Evansville
Eveleth
Excelsior
Eyota
Fairfax
Fairmont
Falcon Heights
Faribault
Farmington
Farwell
Federal Dam
Felton
Fergus Falls
Fertile
Fifty Lakes
Finland
Finlayson
Fisher
Flensburg
Flom
Floodwood
Foley
Forada
Forbes
Forest Lake
Foreston
Fort Ripley
Fosston
Fountain
Foxhome
Franklin
Frazee
Freeborn
Freeport
Fridley
Frontenac
Frost
Fulda
Garden City
Garfield
Garrison
Garvin
Gary
Gatzke
Gaylord
Geneva
Georgetown
Ghent
Gibbon
Gilbert
Gilman
Glencoe
Glenville
Glenwood
Glyndon
Golden Valley
Gonvick
Good Thunder
Goodhue
Goodland
Goodridge
Graceville
Granada
Grand Marais
Grand Meadow
Grand Portage
Grand Rapids
Grandy
Granite Falls
Grasston
Green Isle
Greenbush
Greenwald
Grey Eagle
Grove City
Grygla
Gully
Hackensack
Hallock
Halma
Halstad
Ham Lake
Hamburg
Hamel
Hampton
Hancock
Hanley Falls
Hanover
Hanska
Hardwick
Harmony
Harris
Hartland
Hastings
Hawick
Hawley
Hayfield
Hayward
Hector
Henderson
Hendricks
Hendrum
Henning
Henriette
Herman
Hermantown
Heron Lake
Hewitt
Hibbing
Hill City
Hillman
Hills
Hinckley
Hines
Hitterdal
Hoffman
Hokah
Holdingford
Holland
Hollandale
Holloway
Holmes City
Holyoke
Homer
Hope
Hopkins
Houston
Hovland
Howard Lake
Hoyt Lakes
Hubbard
Hugo
Humboldt
Huntley
Hutchinson
Ihlen
International Falls
Inver Grove Heights
Iona
Iron
Ironton
Isabella
Isanti
Isle
Ivanhoe
Jackson
Jacobson
Janesville
Jasper
Jeffers
Jenkins
Jordan
Kanaranzi
Kandiyohi
Karlstad
Kasota
Kasson
Keewatin
Kelliher
Kellogg
Kennedy
Kenneth
Kensington
Kent
Kenyon
Kerkhoven
Kerrick
Kettle River
Kiester
Kilkenny
Kimball
Kinney
Knife River
La Crescent
La Salle
Lafayette
Lake Benton
Lake Bronson
Lake City
Lake Crystal
Lake Elmo
 
Lake George
Lake Hubert Lake Lillian
Lake Park
Lake Wilson
Lakefield
Lakeland
Lakeville
Lamberton
Lancaster
Lanesboro
Lansing
LaPorte
Lastrup
Le Center
Le Roy
Le Sueur
Lengby
Leonard
Leota
Lester Prairie
Lewiston
Lewisville
Lexington
Lindstrom
Lino Lakes
Lismore
Litchfield
Little Canada
Little Falls
Littlefork
Loman
Long Lake
Long Prairie
Longville
Lonsdale
Loretto
Lowry
Lucan
Lutsen
Luverne
Lyle
Lynd
Mabel
Madelia
Madison
Madison Lake
Magnolia
Mahnomen
Mahtomedi
Makinen
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Mantorville
Maple Grove
Maple Lake
Maple Plain
Mapleton
Maplewood
Marble
Marcell
Margie
Marietta
Marine on Saint Croix
Markville
Marshall
Max
Mayer
Maynard
Mazeppa
Mc Grath
McGregor
McIntosh
Meadowlands
Medford
Melrose
Melrude
Menahga
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Mendota Heights
Mentor
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Middle River
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Millville
Milroy
Miltona
Minneapolis
Minneota
Minnesota City
Minnesota Lake
Minnetonka
Minnetonka Beach
Mizpah
Montevideo
Montgomery
Monticello
Montrose
Moorhead
Moose Lake
Mora
Morgan
Morris
Morristown
Morton
Motley
Mound
Mounds View
Mountain Iron
Mountain Lake
Murdock
Nashua
Nashwauk
Navarre
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Nelson
Nerstrand
Nett Lake
Nevis
New Auburn
New Brighton
New Germany
New Hartford
New Hope
New London
New Market
New Munich
New Prague
New Richland
New Ulm
New York Mills
Newfolden
Newport
Nicollet
Nielsville
Nimrod
Nisswa
Norcross
North Branch
North Mankato
North Oaks
Northfield
Northome
Northrop
Norwood
Noyes
Oak Grove
Oak Island
Oak Park
Oak Park Heights
Oakdale
Oakland
Odessa
Odin
Ogema
Ogilvie
Okabena
Oklee
Olivia
Onamia
Ormsby
Orono
Oronoco
Orr
Ortonville
Osage
Osakis
Oslo
Osseo
Ostrander
Ottertail
Outing
Owatonna
Palisade
Park Rapids
Parkers Prairie
Paynesville
Pease
Pelican Rapids
Pemberton
Pengilly
Pennington
Pennock
Pequot Lakes
Perham
Perley
Peterson
Pierz
Pillager
Pine City
Pine Island
Pine River
Pipestone
Plainview
Plato
Plummer
Plymouth
Ponemah
Ponsford
Popple Creek
Porter
Prairie Lake
Preston
Princeton
Prinsburg
Prior Lake
Puposky
Racine
Ramsey
Randall
Randolph
Ranier
Ray
Raymond
Reading
Reads Landing
Red Lake Falls
 
Red Wing
Redby
Redlake Redwood Falls
Remer
Renville
Revere
Rice
Richfield
Richmond
Richville
Richwood
Robbinsdale
Rochert
Rochester
Rock Creek
Rockford
Rockville
Rogers
Rollingstone
Roosevelt
Roscoe
Rose Creek
Roseau
Rosemount
Roseville
Rothsay
Round Lake
Royalton
Rush City
Rushford
Rushmore
Russell
Ruthton
Sabin
Sacred Heart
Saginaw
Saint Bonifacius
Saint Clair
Saint Francis
Saint Hilaire
Saint James
Saint Louis Park
Saint Martin
Saint Michael
Saint Paul
Saint Paul Park
Saint Stephen
Saint Vincent
Salol
Sanborn
Sandstone
Santiago
Sargeant
Sartell
Sauk Centre
Sauk Rapids
Savage
Sawyer
Scandia
Schroeder
Seaforth
Searles
Sebeka
Shafer
Shakopee
Shelly
Sherburn
Shevlin
Shoreview
Shorewood
Side Lake
Silver Bay
Silver Creek
Silver Lake
Slayton
Sleepy Eye
Solway
Soudan
South Haven
South International Falls
South Saint Paul
South St Paul
Spicer
Spring Grove
Spring Lake
Spring Lake Park
Spring Park
Spring Valley
Springfield
Squaw Lake
St Anthony
St Charles
St Cloud
St Joseph
St Louis Park
St Paul
St Peter
Stacy
Stanchfield
Staples
Starbuck
Steen
Stephen
Stewart
Stewartville
Stillwater
Stockton
Storden
Strandquist
Strathcona
Sturgeon Lake
Sunburg
Swan River
Swanville
Swatara
Swift
Taconite
Talmoon
Tamarack
Taopi
Taunton
Taylors Falls
Tenstrike
Thief River Falls
Tintah
Tofte
Tonka Bay
Tower
Tracy
Trail
Trimont
Trosky
Truman
Twig
Twin Cities
Twin Lakes
Twin Valley
Two Harbors
Tyler
Ulen
Underwood
Upsala
Utica
Vadnais Heights
Vergas
Vermillion
Verndale
Vernon Center
Vesta
Victoria
Viking
Villard
Vining
Wabasha
Wabasso
Waconia
Wadena
Wahkon
Waite Park
Waldorf
Walker
Walnut Grove
Waltham
Wanamingo
Wanda
Wannaska
Warba
Warren
Warroad
Warsaw
Waseca
Waskish
Watertown
Waterville
Watkins
Watson
Waubun
Waverly
Wayzata
Webster
Welch
Welcome
Wells
Wendell
West Concord
West St Paul
West Union
Westbrook
Wheaton
White Bear Lake
White Earth
Willernie
Williams
Willmar
Willow River
Wilmont
Wilton
Windom
Winger
Winnebago
Winona
Winsted
Winthrop
Winton
Wirt
Wolf Lake
Wolverton
Wood Lake
Woodbury
Woodstock
Worthington
Wrenshall
Wright
Wykoff
Young America
Zimmerman
Zumbro Falls
Zumbrota
 

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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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