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Dental Insurance

JMF Financial Services offers a full portfolio of dental products to meet the needs of individuals and families.

Dental care is essential to maintaining good health.  The Affordable Care Act only mandates dental coverage for children be offered by qualified health plans.  Complete your health coverage by adding dental and vision care.   

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Types of Plans:

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DPPO (Dental Preferred Provider Organization)

Like a medical PPO, a Dental PPO (DPPO) is a type of plan that offers the flexibility of using providers that are outside of the plan's network.   The dentist that are within the network will have the lowest-out-of-pocket costs.

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HMO

Dental HMO (DHMO) is a Health Maintenance Organization is a plan that restricts coverage to only those dentists within the network.

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Indemnity

Indemnity plans, also known as limited benefit plans pay a flat benefit for stated procedures and services.  This plans may have exclusions and limitations that you should be aware of.

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Discount Plans

Discount plans have no network limitions.  You receive a discounted rate for your services, but the plans covers no cost.

We have plans that provide a variety of levels of coverage. 

 

Some of our carriers waive the waiting periods for Basic and Major Services if you had coverage within 60 days.   Making them a more cost-effective option than COBRA.

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Our Carriers include:

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  • Delta Dental

  • Aetna

  • Blue Cross Blue Shield IL

  • Anthem Blue Cross Blue Shield

  • Cigna

  • National General

  • Mutual of Omaha

  • UnitedHealthOne

  • VSP

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Visit our Carrier Sites to review the plans offered, see pricing, and enroll if you are interested.

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