Broadband Tech > General Questions > Delta Dental? Blue Cross Dental?

Delta Dental? Blue Cross Dental?

I had Delta for quite some time and they were pretty good.

reply to jadinolf
I have had Delta and have had Cigna. Delta was better.

reply to jadinolf
In your area - Delta is the better choice.
You are looking at their DMO plan - correct?

DMO (Dental Maintenance Organization) like an HMO - managed care

BC/BS (Premier)is an excellent plan.
And doubly so if you have a rapport with your dentist - and he accepts it

Dental insurance has become a luxury - if you are an existing patient, have a good dentist, and a plan he accepts, and you can be sure he'll work with it vs losing you
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~Safe Hex~ Team Discovery ~ Project Hope ~ Like A Hurricane~

reply to jadinolf
Ive had nothing but bad experiences with Delta but that is more to do with the plan my employer has with them.

reply to lilhurricane

said by lilhurricane:

BC/BS (Premier)is an excellent plan.
And doubly so if you have a rapport with your dentist - and he accepts it

Dental insurance has become a luxury - if you are an existing patient, have a good dentist, and a plan he accepts, and you can be sure he'll work with it vs losing you

Their schedule of benefits is slightly better than Delta's, jadinolf

..slightly

But may give you a few more options should you ever choose to seek a new office out.

reply to jadinolf
I don't have any experience with Blue Cross Dental, but I did have Delta Dental for about 5 years, and I never had a problem and they were very good.

I have Aetna Dental right now, and they have been good for me also.

Next year I think I have MetLife Dental, although I'm not 100% positive.
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"Honesty may be the best policy, but it's important to remember that apparently, by elimination, dishonesty is the second-best policy." - George Carlin

[my ramblings]

reply to lilhurricane
I received two identical envelopes from Blue Cross and thinking they were identical-- I just opened #2 and they were not.

One is for Anthem Blue Cross SelectHMO Plans for Seniors and the other is Anthem Blue Cross Senior Dental PPO Plan.

Now I'm really confused. Not enough info to be able to tell the difference except PPO is more than twice as much per month.

Experts?
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PPO vs HMO (DMO) - Typically means:

..participating provider network - you can go to whomever you choose. In network is maximum benefits

PPO: IN/OUT OF NETWORK BENEFITS
Freedom of Choice

OV CO-PAY ONLY -TYPICALLY/NOT ALWAYS
EACH PLAN DIFFERENT CO-INSURANCE is APPLICABLE

HMO (DMO): NETWORK PLAN (LEAST COST TO EMPLOYER/EE-RESTRICTED)

NEEDS REFERRAL

NO CALENDAR YEAR DEDUCTIBLE

CO-PAY THEN 100%

NO CO-INSURANCE

NO OUT-OF-NETWORK COVERAGE

UNLIMITED LIFETIME

NO BALANCE BILLING PERMITTED
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~Safe Hex~ Team Discovery ~ Project Hope ~ Like A Hurricane~

Thanks, lilhurricane. I knew I could depend on you. The HMO is $16 and would work for me (I hope).
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reply to jadinolf
To the others who responded, I appreciate and welcome your input.
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reply to jadinolf
I'm thinking Delta Dental will not serve an individual. They only provide insurance for business plans.
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The Geek Shall Inherit the Earth

Delta does offer individual coverage.

»www.deltadental.com/Public/Subsc···dividual

lilhurricane. a buddy of mine and I went to what we thought was the Delta Dental main site and could not find a dentist in my town. Search using your link show a bunch of them.

Thanks.

j
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Welcome..

Happy Thanksgiving, jadinolf

.. and remember.. be true to your teeth or they'll be false to you