DeltaCare (Prepaid Programs)
DeltaCare is a prepaid plan dental insurance plan offered in Alabama, Florida, and Georgia that offers plan designs tailored to our small business program. With DeltaCare, businesses enjoy higher cost controls, while still providing employees with comprehensive dental benefits employees with comprehensive dental benefits through an established network. Prepaid plans do not have annual deductibles or maximums on general services, and provide established and affordable copayments for services performed by the primary care dentist.
Click HERE to find out if your dentist is a DeltaCare provider with Delta Dental Insurance Company in Alabama
DeltaCare enrollees have access to a large network of contracting dentist-more than 57,946 office locations in Delta Dental’s small business program service area.*
* Delta Dental Plans Association network statistics, August 2015.
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DHMOs (Dental Health Maintenance Organizations)
Managed-care plans also known as DHMOs (Dental Health Maintenance Organizations) typically maintain dental provider networks. DHMOs are similar to medical HMOs, and are sometimes called “capitation plans.” The way DHMOs work is that a dentist receives a fixed monthly fee to provide a specified set of dental procedures for an individual or family at either no cost or a reduced price. Patients pay a monthly or annual payment for membership in the HMO, and then have access to the specified services. Most DHMOs specify a length of time between visits as well as the size of the patient pool, and may have special emergency dental care and patients who are travelling. Dentists participating in a network agree to perform services for patients at pre-negotiated rates and usually submit the claim to the dental insurance company directly. In general, patients have less paperwork and lower out-of-pocket costs with a managed-care dental plan and a broader choice of dentists with an Indemnity plan. These plans have no out of pocket max and benefits have no waiting periods. These plans are great for employees who may need a lot of work or have dependents to cover at a lower premium each month. Delta Dental’s DHMO is called DeltaCare USA and has the largest network of providers.