What is Dental Protection Plan, Inc.?
Upon enrolling in this plan for a low yearly fee, Dental Protection Plan, Inc. (also known as DPPI) will provide you with a Supplemental Dental Insurance policy through which you are able to reduce your out-of-pocket dental expenses by as much as 20% for all covered procedures.
DPPI has been authorized to transact the business of a Service Insurance Corporation for Dental Care under Chapter 613 of the Wisconsin Statutes. Its Certificate of Authority (Number 000-53465) was issued by the Office of the Wisconsin Commissioner of Insurance on August 10, 1987. DPPI was organized and is operated exclusively to promote social welfare and to establish a non-profit plan for dental care and other health care plans, as contemplated and permitted in Chapter 613 of the Wisconsin Statutes.
Who is eligible to participate?
Anyone is eligible to participate.
Is DPPI a Health Maintenance Organization (HMO)?
No.
How much does the DPPI policy cost?
An Individual Plan costs $35 per year. A Family Plan costs $45 per year.
Are there any exclusions for pre-existing conditions?
No. There are no exclusions for pre-existing conditions.
Does it matter if I already have primary Dental Insurance Coverage from my employer, my spouse's employer or any other source?
No. In fact, this Supplemental Plan is very beneficial to you in this case, because with a few limitations and exclusions outlined below, the Plan will specifically apply to that percentage of your dental expenses which your primary Dental Insurance Coverage does not cover.
Does it matter if I do not have any primary Dental Insurance Coverage from an employer or other source?
No. In fact, just as for those who do have a primary Dental Insurance benefit from any employer or other source, this Plan is very beneficial because for a small premium you will have obtained a Plan of Limited Dental Insurance which covers a wide range of dental services and reduces your bills for those services by up to 20% to 25%.
Where do I get an application form?
You can get an application form by writing to DPPI at 7130 W. Greenfield Avenue, West Allis, Wisconsin 53214. You may also call the DPPI office at (414) 259-9522 and ask to have an application sent to you.
Can I go to any dentist anywhere in the world and obtain the Dental Protection Plan, Inc. benefits?
Unfortunately, no. To obtain the DPPI benefits you must obtain services in the office of and from a dentist who is a Designated Provider.
Do coverages and benefits vary for different policy holders?
No. Your coverage and benefits are the same whether you have dental insurance coverage from an employer or other source.
Will the out-of-pocket end results always be the same for every policy holder?
Yes and no.
Assuming policy holders who do not have any other dental insurance obtain the same service at the same cost from a dentist, their benefits and coverage will not vary.
Policy holders who do have other dental coverage — your benefits and coverage will not vary — but the end result may vary from other policy holders who have different primary dental insurance plans. This is because DPPI’s coverage responds to the type and nature of your primary dental insurance plan.
Take the example of a case where your primary dental insurance plan provides 80% coverage on a dental procedure and the DPPI Plan covers 20%. In this case you will have no out-of-pocket expenses. However, if another policy holder has a primary dental insurance plan which provides only 50% coverage on the same dental procedure used in this example, then DPPI will still cover the same 20% but that policy holder would have an out-of-pocket expense equal to the 30% that is not covered by either their primary dental insurance of the DPPI policy.
Is there a deductible that I will have to pay out of my own pocket?
No. In fact, if you have a primary dental insurance plan that has a deductible, the DPPI Plan will, on a one time per year policy, cover a maximum of $25 of that deductible.
How long am I covered under the Dental Protection Plan, Inc. policy?
The DPPI policy is written for a one year period commencing with the date your application is received and accepted by DPPI and you are enrolled as a Subscriber. It may be renewed on an annual basis thereafter. Or download a PDF Application.
