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Dental Insurance Information
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Frequently
Asked Questions
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Why
should I purchase my dental insurance from 3DQuote.com?
3DQuote.com
gives you the information you need to make your dental insurance
purchasing decision with confidence. We provide you information all
the top-rated dental insurance companies. We provide instant
individual and group dental insurance quotes, an online dental
insurance application, and an online 24 hour a day e-mail status site.
We give you simple instructions, and competent and qualified staff to
respond to your needs over the net or over the phone.
We provide a TOLL FREE telephone number for your convenience ...
1-800-849-0953. It has never been easier to purchase individual or
group dental insurance. For more information please visit About Us.
Our extraordinary carrier database means more choices for you and
you can rest assured that you can purchase for the lowest premiums
available.
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Dental
insurance defined
Dental insurance
is an insurance policy covering a person's medical , hospital, and
emergency care according to the terms of the dental insurance policy.
It is often offered with a variety of additional benefits.
Dental insurance policies generally do not have long term rate
guarantees. The benefits and rates generally vary according to
the dental insurance policy. Individual dental insurance
policies generally covers individuals and their families. Group
dental insurance is often provided through an individual's employer.
Individuals and their spouses and children are often covered by dental
insurance. .
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Choosing
a dental insurance company
Dental insurance
is very much like many common commodities in the market place. It is a
product that varies very little from dental insurance company to
dental company. Generally the biggest difference in the product is the
price. So that you can choose between many different dental insurance
companies and see the price difference, we provide you a comparison of
approximately 25 of the best rates for your age from the
top-rated dental insurance companies.
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What
kind of dental insurance do I need?
3DQuote.com
understands that each family has individual dental insurance needs.
There is no set rule as to what kind of dental insurance to buy.
You must consider your own needs and review the available benefits
provided for each plan and dental insurance company. You need to
decide what kind of dental insurance policy you want to provide for
your family as well as to fit within your budget. You have to
decide what kind of medical needs you can anticipate for your family
situation.
For
businesses group insurance is often chosen based upon a combination of
the premium that is affordable for the company and the benefits the
company wishes to provide for its employees.
For many the
answer is simply the kind of policy that makes you feel your family is
safe.
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What
is a Rate Guarantee?
A level rate
guarantee simply means that your premium will not change for a
guaranteed period of time. Generally individual plans do not have a
rate guarantee. Usually the dental insurance company
re-evaluates its rates every six months to a year. This varies
based upon the dental insurance carrier.
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What
is the difference between a PPO - HMO - and Indemnity Plan?
Dental insurance
companies generally offer a variety of dental insurance plans and
options. A PPO is generally a dental insurance plan which
provides increased benefits when you go to participating panel medical
providers. An HMO generally requires that the plan member goes
to plan providers and pays little or nothing for the visit.
Generally visits to no-plan providers are not permitted except in
emergencies. An indemnity plan is one which generally
permits the plan member to got to any medical provider for covered
injuries and illnesses but pays only a percentage oft the medical
change. Many plans offer a combinations of the above will
varying benefits. Which plan you choose will depend upon
your particular needs and interests.
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What
premium payment options do I have?
3DQuote.com
online quotes are for monthly dental insurance premiums. Most dental
insurance companies offer a variety of plans including dental
insurance premiums on a check-a-matic (monthly), quarterly, or
semi-annual basis.
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How
long will this take?
The dental
insurance company cannot begin underwriting your dental insurance
policy until you have completed and returned your signed application
to the dental insurance company and they have received your payment.
. Generally it takes three to four weeks to complete this process. If
the dental insurance company has to get your doctor's records it will
generally take 4 to 7 weeks since the dental insurance company has to
depend upon your doctor's promptness in providing them the records
they need.
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What
about my privacy?
3DQuote.com
is committed to protecting your privacy. You can rest assured that we
respect your right to keep information that you provide confidential.
The information that we receive from this website will not be not be
used for any purpose other than its intended purpose of assisting you
in securing the best dental insurance policy that is available for
you.
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Who
are the PANEL PROVIDERS?
3DQuote.com
provides you direct links to Blue
Cross, Blue
Shield, HealthNet,
CalFarm,
Universal
Care, and PacifiCare,
for complete and current lists of their respective panel medical and
hospital providers. Bear in mind that these links are serviced
directly by the respective insurance companies and as a consequence
the dates and times of their routine maintenance are not within our
control. However, if you have any difficulties at all, give us a
toll free call, and we will provide you free information, and provider
booklets, to help you with your dental insurance purchasing decisions.
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Can I
Download Application From The Web Site?
3DQuote.com
offers dental insurance applications that may be downloaded and
printed from our web site. These
forms are in the PDF format. You must have Adobe Acrobat Reader to
view these forms. This
software is available for FREE from the Adobe Acrobat Web Site. Click
the icon below and verify that your version of Acrobat Reader is the
most current version available. Please note we do not provide
Technical Support for Acrobat Reader Software. To download
insurance applications, click here.
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