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Abingdon
Accomac
Achilles
Afton
Alberta
Aldie
Alexandria
Altavista
Alton
Amelia Court House
Amherst
Amissville
Ammon
Amonate
Andover
Annandale
Appalachia
Appomattox
Aquia Harbour
Ararat
Arcola
Ark
Arlington
Aroda
Arrington
Arvonia
Ashburn
Ashland
Assawoman
Atkins
Atlantic
Augusta Springs
Austinville
Axton
Aylett
Bacova
Banco
Bandy
Barboursville
Barhamsville
Barren Springs
Baskerville
Bassett
Bastian
Basye
Batesville
Battery Park
Bealeton
Beaumont
Beaverdam
Bedford
Bee
Bellamy
Belle Haven
Bellwood
Belspring
Ben Hur
Bena
Bent Mountain
Bentonville
Bergton
Berryville
Big Island
Big Rock
Big Stone Gap
Birchleaf
Birdsnest
Bishop
Blacksburg
Blackstone
Blackwater
Blairs
Bland
Bloxom
Blue Grass
Blue Ridge
Bluefield
Bluemont
Bohannon
Boissevain
Bon Air
Boones Mill
Boston
Bowling Green
Boyce
Boydton
Boykins
Bracey
Branchville
Brandy Station
Breaks
Bremo Bluff
Bridgewater
Brightwood
Bristol
Bristow
Broad Run
Broadford
Broadway
Brodnax
Brooke
Brookneal
Brownsburg
Brucetown
Bruington
Buchanan
Buckingham
Buena Vista
Buffalo Junction
Bumpass
Burgess
Burke
Burkes Garden
Burkeville
Burr Hill
Callands
Callao
Callaway
Calverton
Cana
Cape Charles
Capeville
Capron
Cardinal
Caret
Carrollton
Carrsville
Carson
Cartersville
Carytown
Casanova
Cascade
Castleton
Castlewood
Catawba
Catharpin
Catlett
Cave Spring
Cedar Bluff
Center Cross
Centreville
Ceres
Chamberlayne
Champlain
Chantilly
Charles City
Charlotte Court House
Charlottesville
Chase City
Chatham
Check
Cheriton
Chesapeake
Chester
Chester Gap
Chesterfield
Chilhowie
Chincoteague
Chincoteague Island
Christchurch
Christiansburg
Church Road
Church View
Churchville
Claremont
Clarksville
Claudville
Clear Brook
Clear Brook
Cleveland
Clifford
Clifton
Clifton Forge
Clinchco
Clintwood
Clover
Cloverdale
Cluster Springs
Cobbs Creek
Coeburn
Coleman Falls
Coles Point
Collinsville
Colonial Beach
Colonial Heights
Columbia
Commonwealth
Concord
Copper Hill
Corbin
Countryside
Courtland
Covesville
Covington
Craddockville
Craigsville
Crewe
Criders
Crimora
Cripple Creek
Critz
Crockett
Cross Junction
Crozet
Crozier
Crystal City
Crystal Hill
Cullen
Culpeper
Cumberland
Dahlgren
Dale City
Daleville
Damascus
Dante
Danville
Davenport
Davis Wharf
Dayton
Deep Creek
Deerfield
Delaplane
Deltaville
Dendron
Dewitt
Diggs
Dillwyn
 
Dinwiddie Disputanta
Doe Hill
Dogue
Dolphin
Doran
Doswell
Drakes Branch
Draper
Drewryville
Dry Fork
Dryden
Dublin
Duffield
Dugspur
Dulles
Dumbarton
Dumfries
Dundas
Dungannon
Dunn Loring
Dunnsville
Dutton
Dyke
Eagle Rock
Earlysville
East Highland Park
East Stone Gap
Eastville
Ebony
Edinburg
Edwardsville
Eggleston
Elberon
Elk Creek
Elkton
Elkwood
Elliston
Emory
Emporia
Enon
Esmont
Etlan
Ettrick
Evergreen
Evington
Ewing
Exmore
Faber
Fairfax
Fairfax Station
Fairfield
Fairlawn
Falls Church
Falls Mills
Falmouth
Fancy Gap
Farmville
Farnham
Ferrum
Fieldale
Fife
Fincastle
Fishers Hill
Fishersville
Flint Hill
Floyd
Ford
Forest
Fork Union
Fort Belvoir
Fort Blackmore
Fort Defiance
Fort Eustis
Fort Lee
Fort Mitchell
Fort Monroe
Fort Valley
Foster
Franconia
Franklin
Franktown
Fredericksburg
Free Union
Freeman
Fries
Front Royal
Ft Myer
Fulks Run
Gainesville
Galax
Garrett Park
Garrisonville
Gasburg
Gate City
Glade Hill
Glade Spring
Gladstone
Gladys
Glasgow
Glen Allen
Glen Lyn
Glen Wilton
Gloucester
Gloucester Point
Goldbond
Goldvein
Goochland
Goode
Goodview
Gordonsville
Gore
Goshen
Graves Mill
Great Falls
Green Bay
Greenbackville
Greenbush
Greenville
Greenway
Greenwood
Gretna
Grimstead
Grottoes
Groveton
Grundy
Gum Spring
Gwynn
Hacksneck
Hadensville
Hague
Halifax
Hallieford
Hallwood
Hamilton
Hampden-Sydney
Hampton
Hanover
Harborton
Hardy
Hardyville
Harman
Harrisonburg
Hartfield
Hartwood
Hayes
Haymarket
Haynesville
Haysi
Haywood
Head Waters
Heathsville
Henry
Herndon
Highland Springs
Hillsville
Hiltons
Hinton
Hiwassee
Hollins
Honaker
Hood
Hopewell
Horntown
Horsepen
Hot Springs
Howardsville
Howertonville
Huddleston
Hudgins
Hume
Huntington
Huntly
Hurley
Hurt
Hustle
Hybla Valley
Idylwood
Independence
Indian Valley
Iron Gate
Irvington
Isle of Wight
Ivanhoe
Ivor
Ivy
Jamaica
Jamestown
Jamesville
Jarratt
Java
Jefferson
Jeffersonton
Jenkins Bridge
Jersey
Jetersville
Jewell Ridge
Jonesville
Keeling
Keen Mountain
Keene
Keezletown
Keller
Kenbridge
Kent
Kents Store
Keokee
Keswick
Keysville
Kilmarnock
King and Queen Court Hous
King George
King William
Kinsale
La Crosse
Lacey Spring
Lackey
Ladysmith
Lake Monticello
Lake Ridge
Lakeside
Lambsburg
Lancaster
Laneview
Lanexa
Laurel
Laurel Fork
Lawrenceville Lebanon
 
Lebanon Church
Leesburg
Leon
Lexington
Lightfoot
Lignum
Lincoln
Lincolnia
Linden
Linville
Little Plymouth
Lively
Loch Lomond
Locust Dale
Locust Grove
Locust Hill
Locustville
Long Island
Loretto
Lorton
Lottsburg
Louisa
Lovettsville
Lovingston
Low Moor
Lowry
Lunenburg
Luray
Lynch Station
Lynchburg
Lyndhurst
Machipongo
Macon
Madison
Madison Heights
Madison Mills
Maidens
Manakin Sabot
Manassas
Manassas Park
Mannboro
Manquin
Mantua
Mappsville
Marion
Marionville
Markham
Marshall
Martinsville
Maryus
Mascot
Massies Mill
Mathews
Matoaca
Mattaponi
Maurertown
Mavisdale
Max Meadows
Maxie
Mc Clure
Mc Coy
Mc Dowell
Mc Gaheysville
Mc Kenney
McLean
Meadows of Dan
Meadowview
Mears
Mechanicsville
Meherrin
Melfa
Mendota
Meredithville
Merrifield
Merry Point
Middlebrook
Middleburg
Middletown
Midland
Midlothian
Milford
Millboro
Millers Tavern
Millwood
Mineral
Mint Spring
Mitchells
Modest Town
Mollusk
Moneta
Monroe
Montclair
Montebello
Monterey
Montpelier
Montpelier Station
Montrose
Montross
Montvale
Moon
Morattico
Moseley
Mount Crawford
Mount Holly
Mount Jackson
Mount Solon
Mount Vernon
Mouth of Wilson
Mt Sidney
Mustoe
Narrows
Naruna
Nassawadox
Nathalie
Natural Bridge
Natural Bridge Station
Nellysford
Nelson
Nelsonia
New Canton
New Castle
New Church
New Hope
New Kent
New Market
New Point
New River
Newbern
Newington
Newport
Newport News
Newsoms
Newtown
Nickelsville
Ninde
Nokesville
Nora
Norfolk
Norge
North
North Garden
North Springfield
North Tazewell
Norton
Norwood
Nottoway
Nuttsville
Oak Grove
Oak Hall
Oakpark
Oakton
Oakwood
Occoquan
Oilville
Oldhams
Onancock
Onemo
Onley
Ophelia
Orange
Ordinary
Oriskany
Orkney Springs
Orlean
Oyster
Paeonian Springs
Paint Bank
Painter
Palmyra
Pamplin
Paris
Parksley
Parrott
Partlow
Patrick Springs
Pearisburg
Pembroke
Penhook
Penn Laird
Pennington Gap
Petersburg
Phenix
Philomont
Piedmont
Pilgrims Knob
Pilot
Piney River
Pittsville
Pleasant Valley
Pocahontas
Poquoson
Port Haywood
Port Republic
Port Royal
Portsmouth
Pound
Pounding Mill
Powhatan
Pratts
Prince George
Prince William
Prospect
Providence Forge
Pulaski
Pungoteague
Purcellville
Quantico
Quicksburg
Quinby
Quinque
Quinton
Radford
Radiant
Randolph
Raphine
Rapidan
Rappahannock Academy
Raven
Rawlings
Rectortown
Red Ash
Red House
Red Oak
Redwood
Reedville
Remington Republican Grove
Rescue
 
Reston
Reva
Rhoadesville
Rice
Rich Creek
Richardsville
Richlands
Richmond
Ridgeway
Rileyville
Riner
Ringgold
Rio
Ripplemead
Rixeyville
Roanoke
Rochelle
Rockbridge Baths
Rockville
Rocky Gap
Rocky Mount
Rollins Fork
Rose Hill
Rosedale
Roseland
Round Hill
Rowe
Ruby
Ruckersville
Rural Retreat
Rustburg
Ruther Glen
Ruthville
Saint Charles
Saint Stephens Church
Salem
Saltville
Saluda
Sandston
Sandy Hook
Sandy Level
Sandy Point
Sanford
Saxe
Saxis
Schley
Schuyler
Scottsburg
Scottsville
Seaford
Sealston
Seaview
Sedley
Selma
Seven Corners
Seven Mile Ford
Severn
Shacklefords
Sharps
Shawsville
Shenandoah
Shipman
Short Pump
Shortt Gap
Singers Glen
Skippers
Skipwith
Smith Mountain Lake
Smithfield
Somerset
Somerville
South Boston
South Hill
Sparta
Speedwell
Spencer
Sperryville
Spotsylvania
Spout Spring
Spring Grove
Springfield
St Paul
Stafford
Staffordsville
Stanardsville
Stanley
Stanleytown
Star Tannery
State Farm
Staunton
Steeles Tavern
Stephens City
Stephenson
Sterling
Stevensburg
Stevensville
Stonega
Stony Creek
Strasburg
Stratford
Stuart
Stuarts Draft
Studley
Sudley
Suffolk
Sugar Grove
Sumerduck
Surry
Susan
Sussex
Sutherland
Sutherlin
Sweet Briar
Swoope
Swords Creek
Syria
Tangier
Tannersville
Tappahannock
Tasley
Tazewell
Temperanceville
Terryville
Thaxton
The Plains
Thornburg
Tidewater
Timberlake
Timberville
Toano
Toms Brook
Topping
Townsend
Trammel
Trevilians
Triangle
Trout Dale
Troutville
Troy
Tuckahoe
Tyro
Union Hall
Unionville
University Heights
University of Richmond
Upperville
Urbanna
Valentines
Vansant
Vernon Hill
Verona
Vesta
Vesuvius
Victoria
Vienna
Viewtown
Village
Villamont
Vinton
Virgilina
Virginia Beach
Volney
Wachapreague
Wake
Wakefield
Walkerton
Wallops Island
Wardtown
Ware Neck
Warfield
Warm Springs
Warrenton
Warsaw
Water View
Waterford
Wattsville
Waverly
Waynesboro
Weather
Weber City
Weems
West Augusta
West Gate
West McLean
West Point
West Springfield
Weyers Cave
White Hall
White Marsh
White Plains
White Post
White Stone
Whitetop
Whitewood
Wicomico
Wicomico Church
Williamsburg
Williamsville
Willis
Willis Wharf
Wilsons
Winchester
Windsor
Wingina
Wintergreen
Wirtz
Wise
Withams
Wolf Trap
Wolford
Wolftown
Woodberry Forest
Woodbridge
Woodford
Woodlawn
Woods Cross Roads
Woodstock
Woodville
Woolwine
Wylliesburg
Wytheville
Yale
Yorkshire
Yorktown
Zacata
Zanoni
Zuni
 

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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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