**Individual & Medicare Eligible

Ameritas Dental PPO Plans

** Dental plans available with no Waiting Periods! 
New dental PPO plans for 2023. 
​Choose among 3 PPO benefit levels and options

Delta Dental PPO Plans

Life keeps you busy. So we make it easy to compare health plan
options, get a quote, and apply online.

​You’ll be done in no time.

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Vision Plans

VSP Individual & Medicare Eligible

Ameritas Individual & Medicare Eligible

    

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​Want to Know The Difference Between Dental HMO & PPO Plans?  See below or (download your free guide here!)

1) Premium Cost
DHMO - Premiums on a DHMO plan typically are the least expensive of all the dental insurance plans. 

DPPO - The premiums for a dental PPO plan tend to be more expensive than a DHMO plan.
 
2) Primary Care Dentist
DHMO - Often, with a DHMO, you must select and be assigned to a primary care dentist. You can switch dentists once a month by calling your insurance company. Transfers are usually effective the next month; however, even though the transfer may be effective, some offices may not see you until your name also appears on the monthly list they receive from you plan (i.e. a roster). 

All DHMO plans are not the same though. Some have an open access network, like the Solstice plans, allowing you the freedom to choose any network provider.

DPPO - You don’t have to be assigned to a primary care dentist but have the freedom to visit any dentist. And as for transfers, you can switch dentists at any time without having to call the insurance company or wait for your name to appear on an office roster.

3) Provider Access   
DHMO - You are only eligible for coverage if you visit an in-network provider for covered services. 

DPPO - With a DPPO plan, you receive coverage whether you visit an in-network or out-of-network dentist; however, you save more when you use an in-network provider.
 
4) Payment
DHMO - You pay the specific fee (copayment) listed on your Schedule of Benefits to the dentist for covered services. A Schedule of Benefits is a document that lists all the procedures your plan covers and what you pay for each procedure; it’s similar to a menu. 

DPPO - An in-network dentist has made an agreement with your insurance company to charge up to a certain dollar amount for covered services. So, you pay a coinsurance, which is a percentage of this negotiated fee and the insurance company pays the rest of that negotiated fee.
When you use an out-of-network dentist, your coinsurance is higher because that dentist does not have an agreement with the insurance company and will therefore, charge his or her usual fee for all procedures.
 
5) Claims 
DHMO - You don’t have to worry about filing claims. Your network dentist will file them for you.

DPPO - Once you use a network provider, they will file your claims for you.  If you receive care from a non-network dentist, you most likely will have to file your own claim. 

6) Deductibles 
DHMO - You pay no deductibles. (This is a specific dollar amount you must pay before the insurance carrier will pay towards your claims.) You are simply responsible for your copayment at the time you receive services.

DPPO - You do pay an annual deductible. This amount varies by insurance company and by plan.

7) Maximums        
DHMO - You have no annual calendar maximums.  (This is the highest amount a carrier will pay towards your dental care in a specific period of time (usually January to December).
Members can use their benefits throughout the year to their advantage. Just be sure to read any limitations or exclusions that may apply to your plan.

DPPO - You do have an annual calendar maximum. This amount varies by insurance company and by plan.   ​

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7-Day a Week Support

Your health insurance doesn't operate on a M-F, 9-5 basis.  That's why we are available to you 7 days a week.  Questions on plan benefits, pharmacy issues, or need to find a doctor?  Email us 7 days a week, 24 hrs. a day and get answers quickly!   [email protected]

Trillium Resources

As most heath insurance brokerage agencies become a commodity in providing health plans from all carriers and enrollment services.  We have set ourselves apart with the only agency focused on health and nutrition for your employees.  Check out Trillium Resources and see why partnering with us can lead to a healthier and better quality of life!

Trillium Insurance Services, Inc.
1932 E. Deere Ave., Ste. 220
​Santa Ana, CA 92705
[email protected]

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