Insurance Dilemma: 
It's a jungle out there!.  One of the reason people do not use their insurance benefits is because they go appes trying to figure it out.  We will try to cut some roads  so you can navigate through this jungle.  Most important thing to understand is the difference between Insurance Companies and the Inurance Plans 
    Insurance Company: 
      Insurance company is an entity that sells and/or adminsters Insurance plans 
      An insurance company many have many sell and adminster many different Types of 
      plans i.e. HMO, Discount Dental Plans, PPO, Indemnity Plan 
       
    Insurance Plan: 
      It is coverage that the employer purchases from a insurance company 
      Your employer may a plan from many different types of plans available depending on the cost each. 
       
      • HMO, DMO, DHMO: 
          • HMO or DMO: Refer to Health Maitaince Organization 
          You have to select a Dentist from the list of network dentist provided by your plan 
          Usually no benefit are available if you see a dentist outsie the network 
          .No Freedom of choice 

          WE DO NOT PARTICIPATE WITH ANY HMOs  
           

      • Discount Dental Plans:
          • These are exactly what they say.  Plan participating dentist have agreed to a reduced fee schedule set by these plans.  these  plans DO NOT PAY anything on your behalf. 
         
      • PPO, PDO, PDP: 

        • Prefered Provider Organization, Preferred Dental Provider Org. 
        Preferred Dental Providers. 
        Here insurance plans have a network of providers that have signed a contract with insurance plan to limit their fees to maximum allowed by the insurance plan 
        You can generaly go to a dentist out of this network of dentist and still receive benefit, may be at a slightly reduced benefits which means your copay may be a bit higher than if you went to a dentist within the net work. 
        We will still submit your insurance claims to the insurance co. 
        Some Freedom of choice. 

        We participate in some Preferred Provider Networks: 

          Blue Cross and Blue Shield of MD (CareFirst) 
          United Concordia
         
      • Indemnity Plan:

        • You can go to any any dentist of your choice 
        Insurance plan pays on the basis of UCR (Usual, Customery and Reasonable) which is based in the area where the practice located. 
        Total Freedom of choice.
 
 
Dr. Alvani and Associates
152-A Post Office Road, Waldorf, Maryland, 20202
(301) 645-6151   (301) 645-4716   (301) 843- 6520   (301)645- 5182
Fax #: (301) 645-4726
 
 
 
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