Noto Insurance Advisors provide simple solutions and professional assistance to help you protect your family and achieve your lifelong dreams. Our goal is to help you feel better prepared and more in control of your future than ever before.
Our goal is for our customers to think of us as their trusted advisor. We do this by delivering quality insurance products and the most excellent customer service experience possible. Our team of licensed agents, customer service representatives work together to ensure Noto Insurance Advisors deliver prompt, courteous and accurate solutions to our customers on a daily basis.
To stay sharp, we participate in continuous insurance education and adopt the latest technologies available. Most importantly, we regularly survey our own customers and take to heart the constructive feedback we receive.
Dental Insurance Plans
Dental insurance plans are traditional Insurance with annual maximum benefits, deductibles, and coinsurance. The two most popular types of Dental Insurance are Indemnity and PPO. Below you will find an explanation of these two types of Dental Insurance and NOTO recommended Dental Insurance Provider. Detailed reviews of plans can be read here.
A Dental Insurance Indemnity plan is commonly known as a fee for service or traditional plan. If you select a Dental Insurance Indemnity plan you have the freedom to visit any dentist. You do not need referrals or authorizations; however, some plans may require you to pre-certify for certain procedures. Most indemnity plans require you to pay a deductible.
After you have paid your deductible, indemnity policies typically pay a percentage of “usual and customary” charges for covered services; often the insurance company pays 80% and you pay 20%. Most plans have an annual out of pocket maximum and once you’ve reached this they will pay 100% of all “usual and customary” charges for covered services.
A Dental Insurance PPO (Preferred Provider Organization) provides dental care to its members through a network of dentists who offer discounted fees to its plan members. You can typically use dentists out of the PPO’s network, but you will only be reimbursed the discounted fee for the services rendered – you will need to pay any additional amount yourself.
Indemnity and managed care plans differ in their basic approach. Put broadly, the major differences concern choice of providers, out-of-pocket costs for covered services, and how bills are paid. Usually, indemnity plans offer more of a choice of doctors (including specialists), hospitals, and other health care providers than managed care plans. Read about types on ADA.com