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 Dental 

Dental Insurance is equally important to Health Insurance because dental disease is still very prevalent.

Dental care is a very important part of any healthy lifestyle, but because dental insurance or dental coverage is not included as part of standard health care insurance, it is something that is often overlooked or forgotten until it is too late. The rising cost of quality dental care means that dental insurance might be just what you and/or your family need to ensure that your teeth remain health and well cared for.

Dental Insurance works very much like health insurance - they come in a variety of “flavors” if you will. PPO, DHMO, POS, Indemnity and Scheduled.

PPO
PPO stands for Preferred Provider Organization. Basically, the network of dentists that the members are referred to offer discounted fees to the plan members.You can typically use a dentist outside of the PPO’s network, but you will only be reimbursed the discounted fee for the services rendered and have to pay any additional amount yourself.

DHMO
DHMO stands for Dental Health Maintenance Organization. The way a DHMO works is it provides you dental services through its network of dentists in exchange for some form of prepayment. If you use a dentist outside of the network, you will most likely be responsible for the entire bill.

POS
POS stands for Point of Service. A POS plan allows you to use either a DHMO dentist or a dentist not in the network. You get to choose in-network care of out-of-network care when you make your dental appointment and typically, you will incur higher out-of-pocket costs for out-of-network care.

Indemnity.
An indemnity plan is also known as a traditional plan. With an indemnity plan you can visit any dentist you like. They typically pay a percentage of “usual, customary and reasonable” charges for covered services.

Scheduled.
A scheduled plan or scheduled reimbursement plan reimburses you for a set amount based on a fee schedule. The balance due, if any is your responsibility. They include a calendar year maximum, a deductible and waiting periods for certain procedures.

Most dental coverage is designed to ensure that the patient receives regular preventive care.

There are three (3) categories of dental procedures.

  • Preventative
  • Basic or Restorative
  • Major

When you're shopping for a dental plan there are a number of things you'll need to keep in mind, to make sure that you end up with a policy that's right for you and your situation. As each individual and family have different circumstances please contact us today to evaluate your dental insurance needs and we will work to find the plan the best fits your needs and budget.

Client Testimonials 

“Dan Lorimer and the JKM team have been tremendous to work with over the past 16 years. Not only did Dan help to identify the best mortgage rates available over time, but he and his team were also diligent in providing thorough information for our auto and home insurance options. “
- Alice J., Des Plaines, IL

“JKM's hands-on approach, knowledge, and attention to their customers' needs is truly best in the industry. We have been extremely happy with the services provided by JKM and know that Dan always has our best interests in mind regarding good, quality insurance coverage and home mortgage expertise.”
- Sheila C., Des Plaines, IL

"Dan at JKM services makes selecting insurance coverage simple. We use JKM at the start up non-profit my wife works for, as well as at the small business I help run. I was so satisfied with the services and care that was received, that I also changed over all personal coverages to JKM! Unlike other companies, with Dan and JKM, I never feel like I am being "sold" something, and I know my best interest is always in mind."
-Jordan B., Oak Park, IL

"Dan at JKM Services is of great value to me and to anybody I have referred to him.  Since about 1995, Dan has assisted me [with minimum hassle] with a few refinances, my will/trust, I insure my home and auto through him, as does my daughter.  And for my business, he has arranged our health insurance for us. He has also referred me to an accountant which I count on heavily during tax season.”
-Hope D., Morris, IL

“I have recently refinanced my home using JKM services. I am very pleased I had Daniel J Lorimer to get the job done. My brother had recommended Dan. Both my brother and I were very satisfied. If needed I would use their services again.”
- John R., Bridgeview, IL

“I highly recommend JKM Services, Dan has help us with Home, Auto, and now Health Insurance needs. Dan goes that extra mile to make sure he can provide you with all the information you need to know in order to make important decisions with your insurance needs.”
- Larry F., Lombard, IL

“My family has been a client of Dan Lorimer and JKM Services for over 20‐years. Dan always has our best interest first and is always extremely prompt for any wishes we may have with our insurance needs. We have all our autos, homes and umbrella insured with Dan and wouldn’t have it any other way.”
- Len T., Carol Stream, IL

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