part 2 Flashcards
What is the dental insurance program?
A contract between a clients employer, and the insurance carrier
who is the “insured”
The person who purchases the contract
who is the “insurer”
The company that designed and sells the insurance contract
What is another word for the insurer?
carrier
Group contract
The boss get insurance for the group with employees that work for them
subscriber
Person who has subscribed to the insurance
dependents
Immediate family members on the subscribers insurance
Capitation program
When a group insurance contract is purchased at a cheaper cost, but the subscribers will only be allowed to see a specific dentist for treatment
Preferred provider organization
When the dentist is contracted by the insurance carrier to work under fixed fee schedule to provide service to a particular group
Healthy kids program
Helps Lauren come families under the age of 19 in British Columbia, eligible for $1400 of basic dental services every two years
first nations and inuit health
For for something in your health can get services like cleanings, x-rays, fillings, extractions
CINOT
Four children up to, and including 17 years of age in Ontario, who have dental conditions that could cause pain or infections, and who are not covered by dental insurance
co-payment
remaining cost that a patient will pay
deductibles
Annual fees based on either the calendar year contract years
what you pay to use your insurance?
exclusions
Items at the insurance company would not cover
limitations
Would be insurance carriers covering pre-existing treatment conditions, but limit the amount of coverage through an alternate benefits clause
pre determination form
Shows the potential cost before insurance
birthday rule
States that whatever parents birthday comes first is the first insurance used
what code beings with 0
diagnostic
what code begins with 1
preventive
what code begins with 2
restorative
what code beings with 3
endodontic