Benefits of Healthplex dental insurance include a versatile range of options that work with many budgets, ingenious programs, controlled costs and quality care, according to its website in 2015. Plans include fee for service, managed care, dual choice, preferred provider and more.
Healthplex dental services also include a dental discount plan that is not insurance but rather a plan in which dentists accept discounted rates from plan members, bypassing waiting periods, premiums and exclusions, says the Healthplex website. Healthplex also has a direct reimbursement plan that is not insurance. Employers fund this plan, and patients pay the dentists directly. Patients then give a receipt to their employer and are reimbursed for some or all of the services, depending on the specific agreement. In some cases, deductibles and annual maximums apply.
Healthplex recommends dual choice as the most comprehensive dental insurance option because it includes managed care and an indemnity, fee-for-service program. It says it provides rate guarantees over several years and competitive premiums. Healthplex has been running health maintenance organization dental programs and those funded by the government in New York, New Jersey and Connecticut since 1994. It administers Medicare, Medicaid, child health insurance and family insurance programs, and says it has a proven track record keeping costs under control while ensuring its members' health needs are met.