Dental Insurance Plans
The IHC Group
Healthy teeth are ornamental
Dental Insurance Plans
The IHC Group offers following dental plans underwritten by Independence American Insurance Company:
- Independence 1000
- Independence 1500
- Independence Ultra 1500
If you receive dental services from a provider that is not included in the network, covered expenses are limited to the maximum allowable charge. You will receive bill from the provider if out-of-network expenses exceed the maximum allowable charge.
- Independence PPO 1000
- Independence PPO 1500
- Independence Ultra PPO 1500
When utilizing in-network dental providers, the rates of service are controlled by the insurance company, and you get discounted rates of service.
Review details of plans
The number at the end of each type of plan denotes the maximum benefit, either $1000 or $1,500 for the calendar year. Download Brochure here to review the scope, benefits, exclusions, and limitations of the plans. When comparing the plans, weigh the benefits based on:
- Maximum benefit per person per calendar year.
- Sharing of expenses of defined services in three categories: Preventive, Diagnostic Care, Basic Care, and Major Care.
- Waiting Periods defined for services categorized under Basic Care and Major Care. This is visible for specific plan under button
Each of plans has following categories of services and the sharing of expenses and waiting period is defined in each the plan:
- Preventive Care: Exams, Cleanings, Topical Fluoride, and Sealants.
- Diagnostic Care: X-Rays.
- Basic Care: Fillings, simple extractions.
- Major Care: crowns, bridges, dentures, root canals, periodontics, endodontics, and oral surgery. Typically have 12 months waiting and 50% coverage of shared expense.
Dental plans are offered specific to the State. Check what your Zip Code shows. Individuals up to age 99, his or her spouse age 18 to 99, and children under age 26 are eligible purchase these plans.
These plans come with nationwide network of dental doctors and dental providers who have contracted with insurance company and offer you discounted medical costs related to their Usual, Reasonable and Customary (URC) rates of service. This directly affects your out-of-pocket expenses. It is significant to use providers in the network to get discounted services. The providers in the PPO network prefer and file claims. The insurance company for in-network providers controls the costs of services. However, you can go to out-of-network providers who may accept to give you discounts. Typically, the discounts of contracted rates are about 30% to 50% of URC rates.
It is always prudent to check and verify that the provider will accept to give you in-network rates of service. It may need shopping for dentist for the same set of services since the term URC is often vaguely applied. Check out this network to reach dentists who have contracts with the insurance company:
I want to sign up. How should I go about?
Fill the form and click on See Quotes.
Under tab Dental Insurance, you see plans in increasing order to price and benefits.
Click on button Details to see the list of benefits, then click on button Select and follow the screens to apply.
just signed up. Now What?
Download PDF copy of Membership ID card in membership portal, and request for plastic ID cart.
Read more customer service information
- Customer Service: select Option 3 for members at 866-473-6615
- Onllne Member Portal: http://www.loomisco.com/healthxgateway/
- Policy Documents Requests: IHCDocuments@loomisco.com
- Bill inquiries: 1-856-892-4301; Fax: 610-374-6986
We’ll get back to you within 24 hours.