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California
Dental Insurance |
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If
you have any questions, please call (818) 987-5000
Oleg Skurskiy Authorized Independent Agent, CA License 0E50389 |
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on the links below to learn more about
the Dental plan. |
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Delta
Dental
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States
Not Available: AL,
AK, AR, CO, CT, DE,
DC, HI, ID, IL, IN,
IA, KS, ME, MA, MI,
MN, MO, MT, NE, NH,
NC, ND, OK, OR, PR,
RI, SC, SD, VT, WV,
WI, WY, AB, BC, MB,
NT, NS, ON, PE, YT
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Mail
applications to:
Oleg Skurskiy
18375 Ventura Blvd. # 226
Tarzana , CA 91356 |
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| Health Insurance
- Life Insurance - Dental Insurance - Auto
Insurance - Group Dental - Group Insurance |
Exploring
Dental Care
Dental insurance is insurance that
provides coverage for services relating
to the care and treatment of your
teeth and gums. Typically, it provides
coverage for some or all of the following
dental services:
Diagnostic procedures
Semiannual checkups (including cleanings)
and periodic x-rays
Procedures that restore teeth
Oral and maxillofacial surgery (teeth
extraction and oral surgery)
Periodontics (treatment of bone
and gum diseases)
Prosthodontics (fillings, dentures,
bridges, and crowns)
Orthodontics (repositioning of the
teeth)
Oral surgery
Root canal therapy
What does it cost?
Dental insurance is typically inexpensive.
For most people, the cost is less
than you spend eating at McDonald’s
over the course of a year (depending,
of course, on your affinity for
Big Macs). If you have employer-sponsored
dental insurance, the cost to you
will be even less because your employer
probably pays all or most of the
premium. Dental insurance is generally
very affordable for the average
consumer.
How does it work?
Dental insurance may provide direct
payment to the dentist for the dental
care and treatment you receive.
Or you may be required to cover
the applicable charges out-of-pocket
at the time of service, and then
file a claim for reimbursement.
It depends on the specific plan.
With group dental insurance, deductible
and co-payment features usually
come into play, often with a separate
co-insurance percentage for orthodontia
and other specified procedures.
Often the deductible does not apply
to routine cleaning and oral examinations.
Most plans also place a limit on
the total amount of dental benefits
you can receive each year. Finally,
if you've just enrolled in a dental
plan, be aware that there may be
a waiting period before dental benefits
kick in.
Where do you get it?
Dental insurance has become more
common in recent years. Of the roughly
55 percent of Americans who have
dental insurance, most receive their
coverage through their employer.
Employer-sponsored dental insurance
may take the form of a health insurance
plan that includes dental coverage,
a separate dental plan, or a benefit
choice within a cafeteria plan.
Unfortunately, if you don’t
have access to employer-sponsored
coverage, you may have a difficult
time finding dental insurance. Despite
the variety of dental plans available,
plans for individuals are few and
far between. And dental coverage
is seldom found in individual health
insurance policies either, except
coverage for accidental dental injuries.
This doesn't mean you’re
out of luck if you’re looking
for individual coverage, but it
does mean that your options may
be limited. Availability rather
than cost is often the major hurdle
faced by individuals in search of
dental insurance. In fact, one of
the few types of plans that’s
readily available to individuals
is what’s known as a dental
discount plan, which isn’t
even a true "insurance"
policy.
Who should have dental insurance
and who shouldn’t?
If your employer offers dental insurance,
you should almost always enroll
in the plan because the coverage
will probably cost you little or
nothing. If coverage is not available
through your employer, you should
weigh your options carefully.
On the other hand, buying your
own dental insurance might be a
good idea if you’ve had a
history of dental problems and expect
to have more, if you smoke (which
can cause yellowing and/or decay),
or if you’re over 40 (age-related
decay). If any of these applies
to you, make a point of seeking
out individual dental coverage.
Please Note: The information contained
in this Web site is provided solely
as a source of general information
and resource. It is a not a statement
of contract and coverage may not
apply in all areas or circumstances.
For a complete description of coverages,
always read the insurance policy,
including all endorsements
Health
Insurance Overview
Just like other forms of insurance,
for your car and your home, health
insurance helps relieve the burden
of unexpected events: you put away
a little in case you need a lot
later. You and your family's health
should be of the highest priority.
Every year, the cost of healthcare
increases dramatically. Simple same-day
surgeries, required tests and emergency
attention can add up to thousands
of dollars or more.
The overall benefits of health
insurance are obvious. You won't
be avoiding the doctor because it
costs too much. The hospital bills
won't be piling upon your desk waiting
for attention. Your health insurance
will provide the help and care you
demand. Also, if you drive a car,
health insurance will work cooperatively
with your auto insurance in case
of an accident.
There are many health insurance
companies available, offering various
types of plans. We are capable to
get you the best plan and coverage
to suit your needs.
Using this comprehensive tutorial,
you can find out about different
types of health insurance, choosing
a policy, and much more. |
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Understanding
Dental Insurance |
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dental insurance a good thing?
Yes! Insurance has helped millions
to achieve a higher level of dental
health. But it must be used correctly.
Some people believe that if they
don’t have insurance that
they can’t afford dental work.
Some people with insurance believe
that if their insurance won’t
pay for dental procedures, then
they must not need it, or they believe
it isn’t important. Others
won’t spend beyond its limitations.
THE TRUTH is that dental insurance
provides help with getting dental
work you would do anyway (you just
budget differently). Not having
insurance doesn’t make your
teeth less important or necessary
for health, social/career success,
or self-confidence. Besides, you
only get a limited amount of coverage
anyway! Dental insurance is a good
thing if you don’t let the
insurance company make your health
decisions for you, or think that
without it you can’t afford
dental care.
What is dental insurance?
Insurance is a way of controlling
risk and protecting yourself against
a financial loss by spreading the
risk of loss across a large population.
Common examples include auto, home
and life insurance. Premium rates
and costs are determined by adding
up the calculated costs of benefits
paid out, plus overhead and administrative
costs, plus the profits desired
by the insurance company. Like any
other insurance, better benefits
are obtained by paying higher premiums.
What will my dental insurance
cover?
Unlike major medical, there is no
such thing as “major dental”.
Few, if any dental insurance plans
are a “pay-all”. Some
insurance companies pay a fixed
amount, others a percentage of pre-determined
limits. Any plans that claim to
or actually do pay the entire dental
bill can only do so because of agreements
or choices that discount services,
or offer low quality or cheaper
treatment.
What dental services are
covered? What aren’t?
Like any other insurance, your insurance
coverage is only as good as the
policy that was purchased. Many
people are surprised to discover
that many dental services are not
covered. If you are dissatisfied
with the amount or limits of your
coverage it is important to discuss
this with your employer and insurance
company.
In an attempt to decrease their
costs, dental insurance companies
tend to reward prevention and limit
reimbursement for complex or more
involved care. In short, while they
may pay well for wellness checkups
and cleanings, they tend to discourage
higher quality services. Higher
quality and “major”
treatment services may not be covered
as well, or at all. The coverage
available to you is solely determined
by the profit structures of the
insurance company and the quality
of insurance purchased by you or
your employer. Better insurance
coverage costs more!
Why won’t my insurance
pay more?
Unlike major medical plans which
may cover complex treatment and
protect against “catastrophic
loss”, all dental plans have
a “stop-loss” or “Annual
Maximum” which typically ranges
from $1,000 to $1,500 per year.
This means that regardless of your
need or situation, the insurance
company will not pay out more to
you than this annual limit. Thus
there is no risk or downside to
the insurance company, and it hardens
or stabilizes their profits. For
you, “dental insurance”
equates to nothing more than having
“pre-paid dentistry”
which you must use or lose each
year. Additionally, complex and
convoluted rules and formulations
for payment of benefits are created
and used by your insurance company
to deny, delay, and defray the reimbursement
of covered services.
Do insurance companies exist to
pay for dental care?
There is only one purpose for dental
insurance companies – to make
a profit. Ironically, while insurance
premiums have steadily increased
over the past 35 years, the average
insurance coverage is still the
same as it was 35 years ago when
it started - $1000. Inflation alone
should certainly have increased
the available benefit to over $5,000-10,000
today. Your insurance company gives
you increasingly less coverage and
charges you more for it. It is why
they can pay their CEOs extraordinary
salaries and continue to own and
acquire real estate and stock market
holdings as they do. (Why would
they want you to get cheaper dentistry,
or deny payment for quality care?)
How does my insurance company
make money?
Income minus overhead equals profits!
In other words - Your insurance
company collects the premiums, administrates
the benefits plan, and makes a profit
on the difference. Complex rules
for annual limits (“stop-loss”
maximums), utilization of services,
coverage percentages, and UCR fee
schedules, aid the insurance company
in their quest to take in more money
and give out less in the way of
benefits. They are typically very
slow to adopt modern treatments,
they disallow alternative based
therapies, they usually disallow
coverage for functional based problems
and they cover other high quality
procedures poorly, and they use
their own internal fee schedules
(U.C.R. dictated by zip code geography)
that are not the same as your dentist’s
fee schedule, and which is determined
solely on the profit motives of
their company.
“Deny, delay, and defer”
are watch-words that infamously
characterize the insurance industry
and frustrate both doctor and patient
in trying to be made whole after
care is rendered. Pre-authorization
and pre-determination rules complicate
and hinder the timely and effective
delivery of care – all unnecessary
and designed to delay and second-guess
the doctor-patient relationship
and increase the profits of the
insurance company. We are all grateful
for what insurance can and does
afford us. All insurance companies
are contractually obligated to pay
benefits to which you, their insured,
are entitled. The “game”
lies in getting there.
Who is responsible for payment?
When you present for care and agree
to treatment, you accept direct
responsibility for paying the dental
bill to the dentist, regardless
of third-party coverage or assignment
of benefits. Remember that your
dentist works for you, not your
insurance company. Our staff will
assist you in filing insurance claim
forms, but we can’t guarantee
any estimated coverage.
What should I do if I don’t
have insurance, or run out of insurance
coverage?
Approximately 60% of our population
does not have dental insurance coverage.
When it comes to their own dental
needs, they simply budget their
discretionary dollars so as to afford
dental care. If needed care exceeds
your insurance coverage (a very
likely scenario) you will do the
same.
It is more about what you value
than the amount of money available.
Proof exists in the fact that we
buy cars or boats, go on vacations
and travel, buy pet food, cosmetics
and hair care, do recreation and
dinner out (and not always at the
cheapest restaurant), tobacco, alcohol,
etc. – in essence, have a
lifestyle – all without using
insurance reimbursement to fund
it. The truth is that little if
any of this “lifestyle”
spending is “necessary!”
It is all discretionary! Unlike
heart attacks and broken legs, almost
all of dentistry is discretionary
as well. (How many broken smiles
have you seen lately?) The key is
to understand and change your values,
to make better discretionary spending
choices, and to make it affordable
with financial options - before
you suffer irreparable damage.
Should I use my insurance
coverage to determine my dental
treatment?
In a word – “No!”
It is understandable that you might
want to make treatment decisions
based on how much coverage you have.
You may even assume that your coverage
will pay for all of your costs.
Regrettably, this is not the case!
Just as you would never choose to
leave portions of your cancer untreated,
you shouldn’t choose to ignore
dental decay, broken teeth, toothaches,
abscessed teeth, and maybe even
unattractive unflattering smiles
that hurt you socially or in your
career. This would be true whether
you had or didn’t have third-party
coverage, or had limitations of
coverage therein. Your insurance
company doesn’t care if you
have disease or ugly! Their primary
interest is not you. It is in protecting
the difference between their income
and their outgo. Period!
What does it mean when my
insurance company tells me my dentist’s
fees “exceed usual, customary
and reasonable”? What is “UCR”?
It usually means that your insurance
benefits are too low. Better insurance
plans will often pay a higher amount.
With dental insurance, you get what
you and your employer pay for minus
the overhead and profits of the
insurance company.
“UCR” stands for Usual
Customary and Reasonable. The insurance
industry uses this term to try to
standardize fees and to make a commodity
out of professional services. They
would have you believe that a dentist
is a dentist is a dentist, and a
crown is a crown is a crown, regardless
of the training, care, skill and
judgment required to accomplish
it. There is no UCR fee that truly
represents “usual, customary
or reasonable” that isn’t
created internally by the insurance
company based upon its own internal
overhead and profit calculations.
Will my dental insurance pay for
my dental care?
Yes – up to a point. And that
point is determined by the limitations
and exclusions in your insurance
policy, and the type of plan it
is.
Why does my insurance company not
pay for some procedures?
The determination of whether certain
procedures are covered or not is
dependant on what type of policy
and how much your employer pays
for it. Typically, insurance will
not pay for “elective”
or “functional” problems
that do not have their basis in
trauma or pathology. Some modern
dentistry and newer cosmetic procedures
are likewise not covered. The purpose
of dental insurance is not to be
a pay-all or make you look beautiful,
but to help defray the expenses
associated with prevention and minor
reparative work.
What is the relationship
between dental fees and insurance
coverage?
When an insurance company policy
states it will pay X % of a procedure,
it is using its own fee schedule,
not the dentists. Usually insurance
companies fee schedules are lower
than the dentists. These fee schedules
are internal to the insurance company,
are determined solely by the overhead
and profit motives of the insurance
company, and have no relationship
with the actual fees charged by
the dentist. Additionally, these
fee schedules will vary from area
to area, despite the uniformity
of the standard-of-care in our country.
Insurance companies would have you
believe that you can get something
for nothing.
What’s the best way
to deal with problems related to
my dental health benefits?
You are best advised to discuss
issues that may arise with your
employer or his human resources
manager, and/or your labor union.
Remember that the “richness”
of your benefits package is determined
by how much is paid for the insurance
policy in the first place, as well
as the internal policy rules that
regulate the ease and availability
of getting the benefits paid out.
What are the different kinds
of insurance plans?
There are three main types of insurance:
1. Traditional indemnity insurance
plans
2. Preferred provider organizations
(PPO)
3. Health maintenance organizations
(HMO)
Traditional indemnity plans offer
the greatest freedom of choice in
services and health care providers.
PPOs and HMOs, sometimes referred
to as “alphabet” and
“managed care” plans,
frequently result in less freedom
of choice for the patient , fewer
available appointments, cheaper
dental materials and lab quality,
and have more restrictions and exclusions
in what they cover.
Do I have to go where my insurance
company says? Am I required to see
a certain dentist?
No! But if you have a closed or
restricted plan, you may not receive
the meager benefits purchased unless
you see their preferred doctors
who have agreed to discount their
services and who offer cheaper care.
If you have one of these plans and
if you decide you want better care
for yourself or your family than
what your insurance policy will
pay for, you are always free to
choose higher levels of services
and higher quality of care from
private fee-for-service offices
such as The Center For Dental Health.
Traditional indemnity insurance
plans are representative of the
better plans and do not have prohibitions
or restrictions on who you may or
may not see.
Please Note:
The information contained in this
Web site is provided solely as a
source of general information and
resource. It is a not a statement
of contract and coverage may not
apply in all areas or circumstances.
For a complete description of coverages,
always read the insurance policy,
including all endorsements
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Anthem Blue Cross of California has
been serving the health care needs
of Californians since 1937. Anthem
Blue Cross of California, together
with its branded affiliates, provides
health care services to more than
6.8 million members. Offering a full
continuum of product and coverage
options, Blue Cross provides customers
with unparalleled choice and flexibility
in meeting their health plan needs.
These options are continually fine-tuned
to enhance access to affordable, quality
health care. The Company, with its
strong track record for innovation,
focuses on progressive products and
services designed to improve the health
status of all Californians. Unique
product offerings available in the
individual, small group, large group,
senior and Medi-Cal markets include
a full range of integrated medical
and specialty products.
Blue Shield of California Life
& Health Insurance Company Life
has grown by offering competitive
insurance products including Group
Term Life, Accidental Death &
Dismemberment, Blue Shield of California
Life & Health Insurance Company
Life Vision Plan, Stop Loss and
Exec-U-Med medical reimbursement
plans in tandem with Blue Shield
of California health plans or on
a stand-alone basis . In the early
1980s, introduced their Short-Term
Health products. The Option One
and Option Twelve plans remain one
of the leading products of their
kind in California
PacifiCare Signature FreedomSM
With the PacifiCare SignatureFreedomSM
(SDHP) plan, you can enjoy the freedom
and flexibility of a traditional
PPO plan with the added feature
of Self Directed Account (SDA).
The SDA is fully insured by PacifiCare
Life and Health Insurance Company
and provides a yearly credit of
$1,000 for certain routine and preventive
services.
Any unused funds carry over year
after year, for as long as you are
enrolled on the plan.
Once you deplete your SDA, or if
you require services not covered
by the SDA, the plan defaults to
a PPO plan.
You must meet annual deductibles.
Eligible medical services paid from
the SDA will count toward satisfying
the PPO deductible.
PacifiCare SignatureValueSM
These coordinated plans provide
the most comprehensive coverage
of our plan offerings. Your medical
care is coordinated by the primary
care physician (PCP) you select.
You visit your PCP for general medical
care, and when you need to see a
specialist, your PCP provides a
referral. In general:
You choose a PCP from our network.
You are charged only a co-payment
for a doctor's visit. After your
co-payment, many health care expenses
are covered at 100%.
Preventive health care, including
check-ups, is covered.
You do not have to meet an annual
deductible
Assurant Health is the brand name
used for products underwritten and
issued by Time Insurance Company,
John Alden Life Insurance Company
and Union Security Insurance Company.
California license numbers: 08109
( Time Insurance Company), 08107
(Union Security Insurance Company)
and 3894 (John Alden Life Insurance
Company). Assurant Health only accepts
agent business from agents licensed
and appointed in accordance with
state laws.
Free Health Insurance Quote offered
through Affiliate Program at Alabama,
Alaska, Arizona, Arkansas, Connecticut,
Delaware, District of Columbia (Washington
DC), Florida, Georgia, Hawaii, Idaho,
Illinois, Indiana, Iowa, Kansas,
Kentucky, Louisiana, Maine, Maryland,
Massachusetts, Michigan, Minnesota,
Mississippi, Missouri, Montana,
Nebraska, Nevada, New Hampshire,
New Jersey, New Mexico, New York,
North Carolina, North Dakota, Ohio,
Oklahoma, Oregon, Pennsylvania,
Rhode Island, South Carolina, South
Dakota, Tennessee, Texas, Utah,
Vermont, Virginia, Washington, West
Virginia, Wisconsin, and Wyoming.
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Individual Health
Plan of California
Aetna PPO 500
Aetna PPO 1500
Aetna PPO 2500
Aetna PPO 5000
Aetna PPO HSA 1
Aetna PPO HSA 2
Aetna PPO Value 1500
Aetna PPO Value 2500
Aetna PPO Value 5000
Blue Cross Tonik 1500
Blue Cross Tonik 5000
Blue Cross Tonik 3000
Blue Cross Basic PPO 2500
Blue Cross Basic PPO 1000
Blue Cross PPO 3500
Blue Cross PPO 3500 HSA
Blue Cross PPO Share 5000
Blue Cross PPO Saver
Blue Cross PPO Share 2500
Blue Cross PPO Share 1500
Blue Cross PPO Share 1000
Blue Cross PPO Share 500
Blue Cross EPO (HSA Compatible)
Blue Cross HMO Saver
Blue Cross HMO 100
BC Select HMO BC Select HMO
BC Right Plan Right Plan -
No Rx
BC Right Plan Right Plan -
Generic Rx
BC Right Plan Right Plan -
Full Rx
BC Tonik Tonic 1500
BC Tonik Tonic 3000
BC Tonik Tonic 5000
Blue Shield Shield Spectrum
PPO 500
Blue Shield Shield Spectrum
PPO 750
Blue Shield Shield Spectrum
PPO 1500
Blue Shield Shield Spectrum
PPO 2000
Blue Shield Shield Spectrum
PPO 5000
Blue Shield Spectrum PPO Savings
2400
Blue Shield Spectrum PPO Savings
4000
Blue Shield Access+ HMO
Blue Shield Access+ Value
HMO
BS Subscriber Only Active
Start 35
BS Subscriber Only Active
Start 25
BS Subscriber Only Essential
3000
BS Subscriber Only Essential
3000
Health Net HMO 15
Health Net HMO 40
Health Net SmartChoice HSA
2500
Health Net SimpleChoice HSA
4000
Health Net FirstChoice PPO
Health Net SimpleChoice 50
Health Net SimpleChoice 40
Health Net SimpleChoice 35
Health Net SimpleChoice 25
Health Net SimpleChoice 15
Health Net VB Value Choice
1500
Health Net VB SimpleValue
50
Health Net VB SimpleValue
50 Rx
Health Net VB SimpleValue
40
Health Net VB SimpleValue
40 Rx
Health Net VB SimpleValue
30
Health Net VB SimpleValue
30 Rx
Nationwide PPO 25 $750 Ded
Nationwide PPO 25 $1500 Ded
Nationwide PPO 25 $2500 Ded
Nationwide Lifestyle 1750
Gen Rx
Nationwide Lifestyle 1750
Nationwide Lifestyle 2500
Gen Rx
Nationwide Lifestyle 2500
Nationwide Lifestyle 3500
Gen Rx
Nationwide Lifestyle 3500
Nationwide Lifestyle 4500
Gen Rx
Nationwide Lifestyle 4500
Pacificare HMO 10-35/250
Pacificare HMO 20-35/80
Pacificare HMO 35/70
Pacificare HMO 35/50
Pacificare PPO 70/50/500
Pacificare PPO 70/50/1000
Pacificare PPO 70/50/2000
Pacificare PPO 60/50/2500
Pacificare PPO 70/50/3000
Pacificare PPO 70/50/5000
Pacificare PPO HSA 2700
Pacificare PPO HSA 5000
Pacificare PPO 70/50/3000
SD
Pacificare PPO 70/50/5000
SD
Pacificare PPO 70/50/1000
Maternity
Pacificare PPO 70/50/1500
MaternityAetna HMO Plan 10-30
Aetna HMO Plan 20-40
Aetna HMO Plan 30-40
Aetna EPO 90
Aetna EPO 80
Aetna Basic PPO
Aetna MC Zero 90/60 PPO
Aetna MC $250 90/70 PPO
Aetna MC $500 90/70 PPO
Aetna MC $250 80/60 PPO
Aetna MC $500 80/60 PPO
Aetna mc $500 80/50 PPO
Aetna MC $1000 80/50 PPO
Aetna MC $2000 80/50 PPO
Aetna HSA 2100
Aetna HSA 3000
Aetna Value HMO Value HMO
25-40
Aetna Value HMO Value HMO
15-30
Aetna Value HMO Value HMO
10-20
Blue Cross Saver HMO
Blue Cross Classic HMO
Blue Cross HMO 100
Blue Cross Basic PPO
Blue Cross Hospital BeneFits
Blue Cross Hospital BeneFits
Plus
Blue Cross Hospital BeneFits
Pref
Blue Cross High Deductible
EPO
Blue Cross Saver PPO
Blue Cross PPO 40
Blue Cross PPO 30
Blue Cross PPO 35 GenRx
Blue Cross Power Fund 750
Blue Cross Power Fund 500
Blue Cross Advantage 25 PPO
Blue Cross Premier 20 PPO
Blue Cross Premier 10 PPO
Blue Cross PPO 2400
Blue Cross PPO 3500
Blue Cross PS HMO Power Select
HMO Plan
Blue Shield Access+ HMO 5
Blue Shield Access+ HMO 10
Blue Shield Access+ HMO 15
Blue Shield Access+ HMO 20
Blue Shield Access+ H00025
Blue Shield Access+ HMO 40
Blue Shield Added Advantage
POS 300
Blue Shield Pref Sav $1250
Ded
Blue Shield Pref Sav $2250
Ded
Blue Shield Pref Sav $2600
Ded
Blue Shield Spectrum PPO Zero
Deductible
Blue Shield Spectrum PPO 250
Premier
Blue Shield Spectrum PPO 250
Standard
Blue Shield Spectrum PPO 500
Value
Blue Shield Spectrum PPO 500
Standard
Blue Shield Spectrum PPO 500
Premier
Blue Shield Spectrum PPO 1000
Blue Shield Spectrum PPO 3000
Blue Shield Active Choice
500
Blue Shield Active Choice
750
Health Net HMO 10
Health Net HMO 15
Health Net HMO 20
Health Net HMO 30
Health Net HMO 35
Health Net HMO 40
Health Net HMO Xtra Value
20
Health Net HMO Xtra Value
40
Health Net Variable Hosp Copay
HMO 25
Health Net Variable Hosp Copay
HMO 35
Health Net Elect Open Acces
30
Health Net Elect Open Access
25
Health Net Elect Open Access
20
Health Net Elect Open Access
10
Health Net Select 30 POS
Health Net Select 20 POS
Health Net Sel Prem 10 POS
Health Net Saver PPO
Health Net PPO 40
Health Net PPO 35
Health Net PPO 30
Health Net PPO 25
Health Net PPO 20
Health Net PPO 15
Health Net PPO 10
Health Net HSA 2000
Health Net HSA 3000
Health Net Silver HMO 20 Silver
Health Net Silver HMO 40 Silver
Health Net Silver HMO Xtra
Value 20 Silver
Health Net Silver HMO Xtra
Value 40 Silver
Health Net Salud Salud HMO
Health Net Salud Salud PPO
Kaiser HMO Ded 30/1000
Kaiser HMO Ded 30/1500
Kaiser HMO Plan 5
Kaiser HMO Plan 15
Kaiser HMO Plan 20
Kaiser HMO Plan 30
Kaiser HMO Plan 50
Kaiser Point of Service Plan
Nationwide Plan 1
Nationwide Plan 2
Nationwide Plan 3
Nationwide Plan 4
Nationwide Plan 5
Nationwide Plan 6
PacifiCare HMO 10
PacifiCare HMO 15
PacifiCare HMO 10/500d
PacifiCare HMO 20
PacifiCare HMO 35/600d
PacifiCare POS 15/80-60
PacifiCare PPO 80/60-250
PacifiCare PPO 70/50-250
PacifiCare PPO 80/60-500
PacifiCare PPO 70/50-1000
PacifiCare PPO 35-50/50-1000
PacifiCare PPO 70/50-2000
PacifiCare PPO 70/50-3500
PacifiCare PPO 80/50-2000/freedom
PacifiCare PPO 70/50-2000/freedom
PacifiCare PPO 50/50-3000/freedom
PacifiCare PPO HSA 2700
PacifiCare PPO HSA 3500
PacifiCare PPO HSA 5000
Pacificare Adv HMO HMO 10/500d
Pacificare Adv HMO HMO 35/600d
Sharp Health Plan HMO Plan
A
Sharp Health Plan HMO Plan
AB
Sharp Health Plan HMO Plan
C
Sharp Health Plan HMO Plan
AD
Sharp Health Plan HMO Plan
AE
Western Health Adv HMO Premier
5
Western Health Adv HMO Premier
10
Western Health Adv HMO Premier
15
Western Health Adv HMO Premier
20
Western Health Adv HMO Advantage
15-30
Western Health Adv HMO Advantage
420
Western Health Adv HMO Advantage
70
Western Health Adv HMO Advantage
30-40
Western Health Adv HMO Advantage
40
Western Health Adv HMO Deductible
1000SG245D-IP SG350D-IP SG355D-SP
Orthodontics Periodontal Scaling
Root canal - anterior |
Health
Insurance Companies by State
Alaska
Celtic Ins. Co.
Golden Rule
Alabama
Celtic Ins. Co.
Time Insurance Company
Golden Rule
Arkansas
Celtic Ins. Co.
Golden Rule
American Medical Security
Life Insurance Company
Arkansas Blue Cross and Blue
Shield
Arizona
Health Net of Arizona
Celtic Ins. Co.
Golden Rule
PacifiCare of Arizona
Time Insurance Company
American Medical Security
Life Insurance Company
Humana
Aetna
CIGNA
LifeWise Health Plan of Arizona
California
Blue Shield of California
Blue Cross of California
PacifiCare
Health Net
Kaiser Permanente of CA
Time Insurance Company
Aetna
Colorado
Kaiser Permanente
American Medical Security
Life Insurance Company
Anthem BlueCross BlueShield
Celtic Ins. Co.
Golden Rule
PacifiCare
Humana
Connecticut
Celtic Ins. Co.
Golden Rule
Anthem Blue Cross and Blue
Shield of CT
Aetna
Dist. of Columbia
Celtic Ins. Co.
CareFirst BlueCross BlueShield
Aetna
Time Insurance Company
Kaiser Mid-Atlantic
Delaware
Golden Rule
American Medical Security
Life Insurance Company
Celtic Ins. Co.
Aetna
Florida
Golden Rule
Celtic Ins. Co.
Time Insurance Company
Vista Healthplan of South
Florida
Humana
Aetna
Georgia
Kaiser Permanente
Celtic Ins. Co.
Golden Rule
Blue Cross Blue Shield of
Georgia
Humana
Time Insurance Company
Aetna
Hawaii
Kaiser Permanente of HI
Iowa
Celtic Ins. Co.
American Medical Security
Life Insurance Company
Golden Rule
Idaho
Blue Cross of Idaho
Time Insurance Company
Regence BlueShield
Illinois
Celtic Ins. Co.
UNICARE
Golden Rule
BlueCross BlueShield of Illinois
American Medical Security
Life Insurance Company
Humana
Time Insurance Company
Aetna
Indiana
Anthem Blue Cross and Blue
Shield
UNICARE
Golden Rule
Celtic Ins. Co.
Kansas
BlueCross BlueShield of Kansas
City
Celtic Ins. Co.
Humana
Kentucky
Anthem Blue Cross and Blue
Shield
Humana
Golden Rule
Louisiana
Celtic Ins. Co.
Time Insurance Company
Humana
BlueCross BlueShield of Louisiana
Maryland
CareFirst BlueCross BlueShield
Golden Rule
Aetna
Kaiser Mid-Atlantic
Michigan
American Medical Security
Life Insurance Company
Celtic Ins. Co.
Golden Rule
Time Insurance Company
Blue Cross Blue Shield of
Michigan
Humana
UNICARE
Minnesota
Blue Cross and Blue Shield
of Minnesota
HealthPartners
Medica of Minnesota
Missouri
Blue Cross Blue Shield of
Missouri
American Medical Security
Life Insurance Company
Golden Rule
Celtic Ins. Co.
BlueCross BlueShield of Kansas
City
Humana
Mississippi
Celtic Ins. Co.
Golden Rule
Montana
Celtic Ins. Co.
Time Insurance Company
BlueCross BlueShield of Montana
North Carolina
American Medical Security
Life Insurance Company
Celtic Ins. Co.
Time Insurance Company
North Dakota
Time Insurance Company
Nebraska
BlueCross BlueShield of Nebraska
Celtic Ins. Co.
Golden Rule
American Medical Security
Life Insurance Company
New Hampshire
Celtic Ins. Co.
New Jersey
Horizon Blue Cross Blue Shield
of New Jersey
Oxford Health Plans, Inc.
New Mexico
American Medical Security
Life Insurance Company
Celtic Ins. Co.
Blue Cross Blue Shield of
New Mexico
Nevada
Anthem BlueCross BlueShield
Health Plan of Nevada
Celtic Ins. Co.
PacifiCare of Nevada
New York
Group Health Incorporated
Ohio
Anthem Blue Cross and Blue
Shield
Celtic Ins. Co.
Golden Rule
American Medical Security
Life Insurance Company
Kaiser Permanente of Ohio
Medical Mutual
Humana
Time Insurance Company
Aetna
HealthAmerica
Oklahoma
Celtic Ins. Co.
Golden Rule
American Medical Security
Life Insurance Company
Oregon
Regence BlueCross BlueShield
of Oregon
Health Net of Oregon
LifeWise Health Plan of Oregon
Kaiser Permanente
PacifiCare of Oregon
Pennsylvania
Celtic Ins. Co.
Golden Rule
American Medical Security
Life Insurance Company
Time Insurance Company
Aetna
HealthAmerica
South Carolina
Celtic Ins. Co.
Blue Cross and Blue Shield
of South Carolina
Golden Rule
South Dakota
Celtic Ins. Co.
Medica
Tennessee
American Medical Security
Life Insurance Company
Golden Rule
BlueCross BlueShield of Tennessee
Celtic Ins. Co.
Humana
Texas
Celtic Insurance Company
UNICARE Life & Health
Insurance Company
Golden Rule Insurance Company
Time Insurance Company
Blue Cross and Blue Shield
of Texas, A Division OF Health
Care Service Corporation
Humana Insurance Company
Aetna Life Insurance Company
Utah
Intermountain Health Care
Regence BlueCross BlueShield
of Utah
American Medical Security
Life Insurance Company
Virginia
Golden Rule
UNICARE
Anthem Blue Cross and Blue
Shield
CareFirst BlueCross BlueShield
Aetna
Kaiser Mid-Atlantic
Washington
LifeWise Health Plan of Washington
Group Health Cooperative
Regence BlueShield
Regence BlueCross BlueShield
of Oregon
Wisconsin
American Medical Security
Life Insurance Company
Celtic Ins. Co.
Golden Rule
Blue Cross Blue Shield of
Wisconsin
Humana
Wyoming
Celtic Ins. Co.
Time Insurance Company
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Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana,
Maine, Maryland, Massachusetts, Michigan, Minnesota,
Mississippi, Missouri, Montana, Nebraska, Nevada,
New Hampshire, New Jersey, New Mexico, New York,
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