Find a Dentist
Our Dental plans offer you the freedom of using the dentist of your choice. There
are no network restrictions. However, you may enjoy greater savings by choosing
a network dentist in most areas. Therefore, ShelterPoint Life has partnered with
DenteMax to provide a broad selection of network dentists. DenteMax has more than
100,000 participating dentists nationwide. Each dentist must pass strict credentialing
guidelines in order to become a participating dentist, and recredentialing is required
every three years. Aside from quality assurance, participating DenteMax dentists
have accepted a fixed, lower rate schedule of fees when receiving payment for their
services. So, when visiting a network provider, your out-of-pocket expenses may
be reduced significantly. Here’s an example:
Non-Network Dentist
|
|
DenteMax Dentist
|
|
Dentist’s fee
|
$850
|
Dentist’s negotiated DenteMax fee
|
$600
|
Allowable charge
|
$800
|
Co-insurance
|
50% of allowable charge
|
Co-insurance
|
50% of negotiated fee
|
Policy pays
|
$400
|
Policy pays
|
$300
|
You pay
|
$450
|
You pay
|
$300
|
In this example, you save $150 using a network dentist!
This is an example. Dollar amounts in this chart are for illustration only. Actual
charges may differ from this example.
Click here
to locate a DenteMax provider:
Please note: Under Dental policies with an effective date before July 1, 2010, only
New York-based policyholders and insureds have access to the DenteMax network!