209-478-4808

800-350-3989

Preferred Provider Organization (PPO)


SAVINGS THAT MAKE YOU SMILE

Through the First Dental Health Network and the DenteMax Network, you now have access to significant savings on all of your dental care needs!

BENEFITS JUST FOR YOU

  • Average savings of 15-60% when visiting a First Dental Health or DenteMax dentist
  • Over 32,000 First Dental Health PPO access points to choose from within CA
  • Over 27,000 First Dental health EPO access points to choose from within CA 

o EPO only available in CA and PPO PLUS in AZ & NV

  • Over 42,000 DenteMax PPO access points to choose from within CA


HOW USING A NETWORK DENTIST SAVES YOU MONEY

Using an in-network dentist will minimize your out-of-pocket expenses. With our extensive dental network, it’s easy to find a network dentist near your home or work.

Of course, the Cypress Dental Plan allows you to use any dentist you prefer. However, you should expect to experience higher out-of-pocket expenses when using an out-of-network dentist.

The following example is for illustrative purposes only. Fees may vary by location. Example assumes deductibles have already been met.

Your dentist says you need a crown. Let’s look at your costs in and out of network.

COSTS USING AN EXCLUSIVE PROVIDER ORGRANIZATION (EPO) DENTIST1

COSTS USING AN PREFERRED PROVIDER ORGANIZATION (PPO) DENTIST

COSTS USING AN OUT-OF-NETWORK

(OON) DENTIST

In-network dentist

$640

In-network dentist

$774

Non-network dentist

$1,148

Your plan pays 70% x $640

-$448

Your plan pays 60% x $774

-$464

Your plan pays 50% x $1,148

- $574

Your out-of-pocket cost

$192

Your out-of-pocket cost

$309

Your out-of-pocket cost

$574


*The above example is not a guarantee of coverage. Please review your Plan Summary for details on how annual deductibles and maximums apply to your benefits.
1 EPO not available in all areas.



CYPRESS DENTAL NETWORK


Freedom of Choice:
With Cypress, groups have the unique ability to choose from two robust networks, DenteMax or First Dental Health. Enrolled insureds in the dental program may visit any licensed dentist or dental specialist within the United States without a referral.


Special Advantages when Selecting a Network Dentist:
When the First Dental Health network is utilized, our members have the opportunity to maximize their out-of-pocket costs and extend their calendar year maximums significantly when utilizing the EPO network. In this network, dental providers are contracted with up to a 50% discount from Usual, Customary, and Reasonable charges.


By visiting one of our Network dentists, an enrolled insured will maximize their dental program benefits as shown below in the following table:



EPO (not available in all areas)

PPO

Out-of-Network Dentist

Maximum savings for the member including up to 50% off UCR

Maximum savings for the member including up to 30% off UCR

No savings for the member, procedures are reimbursed based off the plan option chosen

Maximum employer savings, helping to establish the lowest renewals possible for years to come

Significant employer savings, helping to establish low renewals

No employer savings, with significant OON utilization, renewals may vary

The dental office completes and submits claim forms

The dental office completes and submits claim forms

The enrollee may be asked to complete claim forms and/or paperwork



Access:

Cypress Ancillary Benefits offers flexible plans with competitive rates supported by dental networks that have more than 219,000 dental access points. The dentists in the network are fully credentialed and accept discounted fixed fees for services as payment in full (at 25-50% below usual charges).


Credentialing:

Network Dentists must pass up front, and adhere to ongoing, credentialing to remain a Network provider.