California encore dental plan review: I reviewed the Encore dental insurance plan, which is underwritten by Stonebridge Life Insurance Company. Encore dental is a Preferred provider organization (PPO) insurance. First let me address what a PPO is.
Encore Dental Insurance Plan Summary
A PPO plan allows a particular group of patients to receive dental care from a specific panel of dentists. The participating dentist agrees to charge less than usual fees providing savings to you the patient. If the patient chooses to see a dentist who is not designated as a “preferred provider”, that patient may be required to pay a greater share of the fee-for-service.
How the PPO Works
A group of dentists agrees to provide services at a deeply discounted rate, giving you substantial savings — as long as you stay in their network. Unlike the more restrictive Dental Health Maintenance Organizations (DHMO), you can go outside of network and still receive reduced dental benefits. Some typical features of these plans would be an annual dollar cap, deductibles, waiting periods, and claim forms.
About Stonebridge Life Insurance Company
Stonebridge Life insurance company, an AEGON company, is part of one of the world’s largest insurance organizations. Stonebridge offers a tradition of quality and value by striving to provide a high level of customer claims services. For over 40 years Stonebridge has been serving millions of satisfied customers. Stonebridge Life is currently A+ rated company as of 6/18/2008 (Superior 2nd of 16) for financial strength by A.M. Best Company, which is one of the most respected independent analysts of the insurance industry.
About the Encore Plans
Stonebridge has three Encore plan choices. All three of which let you choose your own dentist or pick one of their dental plan providers. Depending on which plan you select an annual maximum benefit or waiting period may apply.