While you are shopping for dental insurance, there are terms that come up that you may not be familiar with. It is important to understand these unknown terms to make a well-informed decision of what will best fit for you and your needs.
One of these terms is PPO which stands for Preferred Provider Organization. With a PPO dental plan, there is a list of approved dentists that you may visit. This list of dentists has agreed to give discounted rates to your insurance company which lowers the cost of your insurance through them.
PPO dental plans typically come with a small deductible or no deductible at all. A good PPO plan will have the insurance company covering the bill for preventative treatment (like twice yearly dental cleanings) to hopefully encourage continual care of your teeth, leading to less major work to be done in the future.
The discounts are only applicable to the dentists on the list . If you visit a dentist that is not on the approved list, you will have to pay for that bill out of pocket. Dentists want to be on these lists as it promises more clients and business than if they were not. If you choose a more popular insurance plan, the number of dentists that you will be able to see will be extensive and the dentist you currently see may already be on the list.
Another reward of this type of plan is that you will not have to fill out paperwork on your dental plan when visiting the dentist. Just hand your insurance card over upon arrival at the dentist office and the office staff will take care of the rest.
In all, a PPO dental plan is a community of dentists who offer discounts for the same care to insurance providers to get those enrolled in the plan to receive the care they need for a better price.
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DECLARATION AND AGREEMENT — I/We have personally completed and reviewed all of my/our answers to the questions in this Application and represent that all information I/we have provided is true, complete, and correctly recorded. I/We understand that this information will be used to determine each person’s eligibility for coverage under the Policy and any false statement or misrepresentation may result in loss of coverage or claim denial. The Applicant (and Spouse or Dependent if coverage elected) must be eligible based on the Company’s rules in effect on the date of Application and on the Policy Effective Date. Policy coverage (or Reinstatement of coverage), if issued and approved by the Company, will become effective on the date recorded in the Policy Schedule of Benefits and not the date this Application is signed. I/We understand that no agent or producer can accept risks, modify policies, or waive any rights or requirements of the Company. If this Application is completed electronically, I/we agree that my/our electronic signature serves as my/our original signatures.
ACKNOWLEDGEMENT — I/We understand that the coverage applied for provides limited benefits and is not a major medical or comprehensive medical benefit plan and is not a substitute for such coverage. The Policy is limited and is not designed to cover all medical expenses. I/We understand that no benefits are payable for sickness during the first 30 days following the Policy Effective Date and that pre-existing conditions are excluded for 12 months. If eligible for Medicare, I/we have received the Guide to Health Insurance for People with Medicare and the Important Notice to Persons on Medicare.
WARNING — Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance may be guilty of a crime and may be subject to fines and confinement in prison.
THIS IS A LIMITED BENEFIT POLICY. THIS IS A SUPPLEMENT TO HEALTH INSURANCE AND IS NOT A SUBSTITUTE FOR MAJOR MEDICAL COVERAGE. LACK OF MAJOR MEDICAL COVERAGE (OR OTHER MINIMUM ESSENTIAL COVERAGE) MAY RESULT IN AN ADDITIONAL PAYMENT WITH YOUR TAXES. PLEASE REVIEW THE POLICY CAREFULLY
I/We hereby authorize any: physician, medical practitioner, hospital, clinic or other medical related facility, insurance company, insurance support organization, business partner, pharmacy, pharmacy benefit manager, government agency, group policyholder, employer, benefit plan administrator, MIB, Inc., the Department of Motor Vehicle Registration, and paramedical facility to provide to STANDARD LIFE AND ACCIDENT INSURANCE COMPANY, or to any agent, attorney, consumer reporting agency or independent administrator, including medical record retrieval services or pharmaceutical services, acting on STANDARD LIFE AND ACCIDENT INSURANCE COMPANY’S or its reinsurers’ behalf, information concerning advice, care or treatment sought by or provided to me and/or any other Proposed Insured for coverage, including information relating to medical history, medical conditions, treatment, hospitalizations or confinements, ailments, and/or drug, alcohol or tobacco usage of the Applicant or any Proposed Insured. It is understood that STANDARD LIFE AND ACCIDENT INSURANCE COMPANY underwriters, claim examiners, reinsurers, attorneys, or the medical director may disclose such health information to the aforementioned parties for purposes of underwriting, compliance, record clarification or explanation, or in response to litigation, summons, or subpoenas. I/We understand that after this information is disclosed, the recipient may redisclose it, resulting in loss of protection by federal regulations.
I/We understand that:
This authorization is valid from the date signed for a duration of 24 months. I/We understand I/we may revoke the authorization at any time, except to the extent that action has been taken in reliance on this authorization, by sending written notice to the Health Underwriting Department of STANDARD LIFE AND ACCIDENT INSURANCE COMPANY, P.O. Box 1991, Galveston, Texas 77553. I/We may inspect or copy any information used or disclosed under this authorization, if signed. If this application is taken over the phone, I/we agree that my/our electronic signature serves as my/our original signature.
If the Applicant or Proposed Insured holds one of these occupations, please check the box next to that individual’s name in the application. These individuals will not be eligible for coverage with the Standard Life product.
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Your coverage effective date is based on the payment method elected (ACH or Payroll Deduction).
ACH: Coverage effective date is the 1st of the month following date of enrollment.
Payroll Deduction: If the enrollment is received on or before the 23rd of the month, the effective date will be the first of the month following 60 days. IF after the 23rd of the month, the coverage will begin on the first of the month following 90 days.
Yes. You must elect ACH payment. Payroll deduction will not be available.
Yes. You must elect ACH payment.
On your next payroll deduction if the enrollment is received on or prior to the 23rd of the month.
Your initial payment will be taken within 3 business days of completing your enrollment. After initial payment, your scheduled draft date will be the 1st of each month.
“8888593795 Insurance” will appear on your statement as a description of the charge for your premiums.
No. A person may be covered only once under the plan as an Employee, Spouse or Dependent Child.
No. A member must elect coverage for him/herself in order to be eligible to elect family coverage.
On/Around your coverage beginning, you will recieve an email from Identity Guard with instructions and a link to their webstie where you and your covered family members can register.
Identity Guard customer service is available Monday - Friday, 8am -11pm (EST) and Saturday 9am - 6pm (EST) at 855-443-7748 or via email at email@example.com.