Dental insurance used to be simple and used to be cheap. Many say today it's neither. From pre-paid plans to old-school indemnity plans and everything in-between, dental plans require just as much consultation and structure as medical insurance. While many companies are canceling ancillary coverage such as dental, Stratford consultants have sought out new and exciting alternate ways to allow employers to continue to provide this coverage. It's been time tested, that a robust benefits package can certainly assist employer to attract and retain key talent.

The right plan structured the proper way is the plan for your company. We have proven that the clients of the Stratford Financial Group have found a way to provide dental insurance to their employees three times more often than their competitors. Can your company benefit from a robust and differentiated benefits offering? We can show you how.

Types of Dental Insurance Programs:

Indemnity or Traditional Plans

Choose Any Provider--Any Time

Members have the choice to see any dentist and must pay the entire cost of any care (for certain services) until they meet an annual deductible. Once the deductible is met, coverage begins and members pay a percentage of the cost (coinsurance) of subsequent care.

Coverage can be provided on a voluntary basis and is often subject to benefit waiting period in order to control costs.

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Preferred Provider Organization (PPO)

Total Freedom To Choose Your Provider--In or Out of Network

Choose In-network providers
One of the best ways for members to control costs and get the most from their PPO plan is to choose an in-network, participating provider and take advantage of the network contracted, discounts for care.

Choose out-of-network providers
Members have the choice to see any dentist; however, when they receive care from a dentist that is not in the network, out-of-pocket costs will be higher. Members using out-of-network services must pay the entire cost of any care (for certain services) until they meet an annual deductible. Once the deductible is met, coverage begins and members pay a percentage of the cost (coinsurance) of subsequent care.

Under a PPO plan, typically, both in-network and out-of-network care is subject to a deductible then services are paid according to a percentage or co-insurance.

Coverage can be provided on a voluntary basis and is often subject to benefit waiting period in order to control costs.

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Dental Maintenance organization (DMO)

A is cost-conscious choice for you and your employees.

These network-only plans encourage members to get the right care at the right time, which can result in earlier intervention and more cost-effective positive outcomes for you and your employees. In-network care offers employees higher benefits at lower costs.

Members must choose a Primary Care Dentist (PCD) to coordinate care and treatment and provide referrals to specialists. DMOs can provide benefits on a co-insurance based reimbursement or provide benefits subject to a schedule of co-payments.

Coverage can be provided on a voluntary basis and is commonly not subject to any benefit waiting periods.