A member does not pay an extra charge to a chosen dentist for dental services that are fully prepaid by Q-Dents monthly capitation payments. The Dental Service contract schedule of benefits list NONE on the same line that describes the Dental service contract fully prepaid dental services.
A member pays an extra charge (Co-Payment to a chosen dentist for dental services that are fully prepaid by Q-Dents monthly capitation payments.) The Dental service contract schedule of benefits lists the amount of the Co-Payment needed to cover the remainder of the cost for dental services that are not fully prepaid. The members pay all CO-PAYMENTS to the dentist the member chooses.
Most dental services a member will usually need are covered by the Dental service contract In those cases when dental services are not covered by the Dental service contract, such dental services are also available to a patient at the chosen dentists USUAL CHARGE.
For Q-Dent members, as patients of the dentist they choose, there are no deductible or annual maximums that apply to the benefits of the plans prepaid dental insurance policy. The Dental service contracts benefits for pre-existing conditions, orthodontia for children and adults, and other specialist dental services are all available for the patients on the eligibility date of the Dental service contract.
Q-Dent encourages utilization of the Dental Service contract by offering preventative treatments (such as periodic exams and routine cleaning twice per year) at no extra charge. There are no claim forms or pre-authorization forms for the patient or the chosen dentist to complete.
When compared to indemnity plans, A Dental service contract offer more benefits for less cost, without any paperwork for a patient or the chosen dentist.