Delta Dental? Blue Cross Dental? in General Questions http://www.dslreports.com/forum/r21491638 en Sun, 06 Dec 2009 03:26:35 EDT Sun, 06 Dec 2009 03:26:35 EDT Re: Delta Dental? Blue Cross Dental? http://www.dslreports.com/forum/remark,21498877 Hall :
said by lilhurricane See Profile :

PPO vs HMO (DMO) - Typically means:

PPO: IN/OUT OF NETWORK BENEFITS
Freedom of Choice

HMO (DMO): NETWORK PLAN (LEAST COST TO EMPLOYER/EE-RESTRICTED)
Nowadays, that's the only accurate part, IMO. All of the rest is at the discretion of your employer and the terms they dictate.]]> http://www.dslreports.com/forum/remark,21498877 Fri, 28 Nov 2008 21:17:36 EDT Re: Delta Dental? Blue Cross Dental? http://www.dslreports.com/forum/remark,21498856 Maggs : I'm with Delta Dental Premier PPO, the visit co-pay is $5, and the benefit maximum is $1,500. I don't think my current dentist accepts them. They cover only 80% and I get to hear the complaints. What do people expect for $5.70 a month for single coverage.
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NIL ILLEGITIMUS CARBORUNDUM!]]> http://www.dslreports.com/forum/remark,21498856 Fri, 28 Nov 2008 21:11:39 EDT Re: Delta Dental? Blue Cross Dental? http://www.dslreports.com/forum/remark,21498648 jadinolf :
said by Doctor Four See Profile :

My employer used Delta Dental a few years ago, and after quite a significant number of employees expressed their dislike of it, they switched to Aetna's DMO.

One thing I remember was that you were severely limited as to where you could go for dentists that were within the plan. And the out-of-pocket maximum per year was also kind of low.
That was my problem. There is a premium Delta Plan that has every dentist in my town. The bottom of the line plan that I would sign up for has dental offices of questionable repute and at least 30 miles away.

At least with Blue Cross, I get my regular dental office. He's 30 miles away too but near Costco, The 99 Cent Only Store and Wally World. :D
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This post printed on 100% recycled bytes]]> http://www.dslreports.com/forum/remark,21498648 Fri, 28 Nov 2008 20:20:53 EDT Re: Delta Dental? Blue Cross Dental? http://www.dslreports.com/forum/remark,21498463 Doctor Four : My employer used Delta Dental a few years ago, and after quite a significant number of employees expressed their dislike of it, they switched to Aetna's DMO.

One thing I remember was that you were severely limited as to where you could go for dentists that were within the plan. And the out-of-pocket maximum per year was also kind of low.
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"The trouble with computers, of course, is that they are very sophisticated idiots." - Doctor Who (from Robot)
]]> http://www.dslreports.com/forum/remark,21498463 Fri, 28 Nov 2008 19:38:08 EDT Re: Delta Dental? Blue Cross Dental? http://www.dslreports.com/forum/remark,21498447 jadinolf : Going with Blue Cross.

Have to be with the insurance for 6 months before I can get treatment. Fingers crossed.
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This post printed on 100% recycled bytes]]> http://www.dslreports.com/forum/remark,21498447 Fri, 28 Nov 2008 19:31:19 EDT Re: Delta Dental? Blue Cross Dental? http://www.dslreports.com/forum/remark,21496330 jadinolf :
said by lilhurricane See Profile :

Welcome..

Happy Thanksgiving, jadinolf See Profile

.. and remember.. be true to your teeth or they'll be false to you ;) :D
And belated to you and the rest of the folks here.

By the way, I will be eating all of the 20 pound turkey that I roasted. Turkey does not agree with Fred. I just spent a half hour cleaning up the mess. :(
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This post printed on 100% recycled bytes]]> http://www.dslreports.com/forum/remark,21496330 Fri, 28 Nov 2008 10:16:42 EDT Re: Delta Dental? Blue Cross Dental? http://www.dslreports.com/forum/remark,21494797 lilhurricane : Welcome..

Happy Thanksgiving, jadinolf See Profile

.. and remember.. be true to your teeth or they'll be false to you ;) :D]]> http://www.dslreports.com/forum/remark,21494797 Thu, 27 Nov 2008 21:11:23 EDT Re: Delta Dental? Blue Cross Dental? http://www.dslreports.com/forum/remark,21494762 jadinolf : 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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This post printed on 100% recycled bytes]]> http://www.dslreports.com/forum/remark,21494762 Thu, 27 Nov 2008 21:01:46 EDT Re: Delta Dental? Blue Cross Dental? http://www.dslreports.com/forum/remark,21494384 lilhurricane : Delta does offer individual coverage.

»www.deltadental.com/Public/Subsc···dividual]]> http://www.dslreports.com/forum/remark,21494384 Thu, 27 Nov 2008 19:08:58 EDT Re: Delta Dental? Blue Cross Dental? http://www.dslreports.com/forum/remark,21494171 tahoejeff : 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]]> http://www.dslreports.com/forum/remark,21494171 Thu, 27 Nov 2008 17:45:06 EDT Re: Delta Dental? Blue Cross Dental? http://www.dslreports.com/forum/remark,21493725 jadinolf : To the others who responded, I appreciate and welcome your input. :)
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This post printed on 100% recycled bytes]]> http://www.dslreports.com/forum/remark,21493725 Thu, 27 Nov 2008 15:11:21 EDT Re: Delta Dental? Blue Cross Dental? http://www.dslreports.com/forum/remark,21493693 jadinolf : Thanks, lilhurricane. I knew I could depend on you. The HMO is $16 and would work for me (I hope).
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This post printed on 100% recycled bytes]]> http://www.dslreports.com/forum/remark,21493693 Thu, 27 Nov 2008 15:02:22 EDT Re: Delta Dental? Blue Cross Dental? http://www.dslreports.com/forum/remark,21493643 lilhurricane : 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~]]> http://www.dslreports.com/forum/remark,21493643 Thu, 27 Nov 2008 14:47:17 EDT Re: Delta Dental? Blue Cross Dental? http://www.dslreports.com/forum/remark,21493628 jadinolf : 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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This post printed on 100% recycled bytes]]> http://www.dslreports.com/forum/remark,21493628 Thu, 27 Nov 2008 14:43:21 EDT Re: Delta Dental? Blue Cross Dental? http://www.dslreports.com/forum/remark,21493595 Jeffrey : 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]]]> http://www.dslreports.com/forum/remark,21493595 Thu, 27 Nov 2008 14:33:34 EDT Re: Delta Dental? Blue Cross Dental? http://www.dslreports.com/forum/remark,21493219 lilhurricane : Their schedule of benefits is slightly better than Delta's, jadinolf See Profile

..slightly ;)

But may give you a few more options should you ever choose to seek a new office out.]]> http://www.dslreports.com/forum/remark,21493219 Thu, 27 Nov 2008 12:40:07 EDT Re: Delta Dental? Blue Cross Dental? http://www.dslreports.com/forum/remark,21493203 jadinolf :
said by lilhurricane See Profile :

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
I will have my regular dentist office if I sign up for BC. I will have the son because his father, my dentist for 17 years recently died. His son is a typical money grubbing bottom feeder like many of them. ;)
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This post printed on 100% recycled bytes]]> http://www.dslreports.com/forum/remark,21493203 Thu, 27 Nov 2008 12:36:55 EDT Re: Delta Dental? Blue Cross Dental? http://www.dslreports.com/forum/remark,21492791 hitachi369 : Ive had nothing but bad experiences with Delta but that is more to do with the plan my employer has with them.]]> http://www.dslreports.com/forum/remark,21492791 Thu, 27 Nov 2008 11:06:47 EDT Re: Delta Dental? Blue Cross Dental? http://www.dslreports.com/forum/remark,21492778 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
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~Safe Hex~ Team Discovery ~ Project Hope ~ Like A Hurricane~]]> http://www.dslreports.com/forum/remark,21492778 Thu, 27 Nov 2008 11:04:48 EDT Re: Delta Dental? Blue Cross Dental? http://www.dslreports.com/forum/remark,21492734 jadinolf :
said by lilhurricane See Profile :

DMO (Dental Maintenance Organization) like an HMO - managed care
I guess. I was only looking at Blue Cross Dental Premier Plan because my Dentist office recommended it. A couple of friends just signed up for Delta but couldn't give a reason why they did it. I need to investigate Delta.

Neither plan seems to be as good as the one I presently have because the co-pays are MUCH higher.

I switched to another HMO because there is no charge for it.
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This post printed on 100% recycled bytes]]> http://www.dslreports.com/forum/remark,21492734 Thu, 27 Nov 2008 10:53:17 EDT Re: Delta Dental? Blue Cross Dental? http://www.dslreports.com/forum/remark,21492698 lilhurricane : DMO (Dental Maintenance Organization) like an HMO - managed care]]> http://www.dslreports.com/forum/remark,21492698 Thu, 27 Nov 2008 10:45:43 EDT Re: Delta Dental? Blue Cross Dental? http://www.dslreports.com/forum/remark,21492645 jadinolf :
said by lilhurricane See Profile :

In your area - Delta is the better choice.
You are looking at their DMO plan - correct?
Not familiar with the term DMO.

edit: lh, I'm just starting to look into dental insurance.
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This post printed on 100% recycled bytes]]> http://www.dslreports.com/forum/remark,21492645 Thu, 27 Nov 2008 10:34:01 EDT Re: Delta Dental? Blue Cross Dental? http://www.dslreports.com/forum/remark,21492070 lilhurricane : In your area - Delta is the better choice.
You are looking at their DMO plan - correct?]]> http://www.dslreports.com/forum/remark,21492070 Thu, 27 Nov 2008 07:25:36 EDT Re: Delta Dental? Blue Cross Dental? http://www.dslreports.com/forum/remark,21491844 PrntRhd : I have had Delta and have had Cigna. Delta was better.]]> http://www.dslreports.com/forum/remark,21491844 Thu, 27 Nov 2008 03:19:26 EDT Re: Delta Dental? Blue Cross Dental? http://www.dslreports.com/forum/remark,21491657 DavisPhotog : I had Delta for quite some time and they were pretty good. ]]> http://www.dslreports.com/forum/remark,21491657 Thu, 27 Nov 2008 01:22:16 EDT Delta Dental? Blue Cross Dental? http://www.dslreports.com/forum/remark,21491638 jadinolf : Today, I changed HMOs and the new HMO doesn't offer dental insurance. The old plan had very good dental insurance at $20 per month.

I wonder if any of you have impressions you could share regarding the two dental insurance companies mentioned above? I've got to decide pretty quickly and have no one to ask here.

Thanks.
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This post printed on 100% recycled bytes]]> http://www.dslreports.com/forum/remark,21491638 Thu, 27 Nov 2008 01:14:29 EDT