Welcome to QDent.com
Highlights of the Q-Dent Dental Plan!
 Fully complies with all Louisiana Insurance Laws.
 Louisiana owned, administered, and underwritten.
 No waiting periods.
 No annual of lifetime maximums.
 No claim forms.
 No deductible.
 Most pre-existing conditions covered.
 Doctor supported.    
 Learn More


Q-Dent 
	Q-Dent is Louisiana owned and fully complies with all insurance laws. The
	plan is marked and administered by Dental Management Corporation. which
	is also a Louisiana Corporation.  The plan is underwritten and
	insured by Guaranty Income Life Insurance Company which has been a
	strong Louisiana insurer since 1926.
Providing Dentist 
	Q-Dent has participating dentists conveniently located in your area
	which provide our participants with high quality dental care.
	If you do not use a providing dentist, full benefit and savings
	of the plan will not be realized.  This should be considered
	prior to your enrollment.
Benefit Date 
	There are no waiting periods with Q-Dent.  You are eligible for service
	on your effective date (date on I.D. card).
Who Can Be Covered? 
	You may cover yourself, your spouse and your unmarried children living in
	your household until their 21st birthday (up to 24 if full-time student).
No Maximums 
	There are no annual or lifetime maximums with Q-Dent.
Agreement Term 
	An agreement term is for a 12 month period of time.  During each agreement
	term we are obligated to provide all policy benefits and you are obligated to
	pay your monthly premium.  Unless you or we choose not to renew the policy a
	new agreement term will commence upon expiration of the first year of each
	subsequent agreement term.  Q-Dent guarantees your rates for 12 months from
	your effective date. This means no rate increase if you do not allow
	your policy to lapse.
No Claim Forms 
	You pay only the amount listed in the policy for each procedure directly to
	the dentist.  If a procedure has Non-listed you pay nothing.
No Deductibles 
	You have first dollar coverage.
	There are no annual deductibles to satisfy.
Pre-Existing Conditions 
	Most pre-existing conditions are covered, an exception would be treatment in
	progress at the time of enrollment.
Premium Rates 
	Premiums are guaranteed for 1 year (12 months) from the original effective date
	as long as coverage has been continuous.  If a policy lapses during this time,
	new rates may apply at the option of the company.
Choosing a Dentist 
	You must choose a dentist form the list of providers who are willing to service
	Q-Dent's prepaid policy.  All Family Members must use the same dentist you choose.
	Before you choose a dentist, take time to check your family's dental care needs.
	You may want to call the dentist you are considering before you make your selection.
	You are expected to stay with the first dentist you choose for one year.
	You should not hurry this important decision.  You must name a dentist on your
	Membership Subscription Application.
Membership Agreement Statement 
	Q-Dent can only deliver maximum benefits to subscribers who stay in the plan for
	one year or more, since prepaid dental insurance plans do not pay claims like indemnity
	insurance.  The fully prepaid dental services and the partially prepaid services that
	are included in the policy are the benefits the Q-Dent Dental Plan offers to its members.
	PLEASE NOTE: Under the terms and provisions of the Q-Dent Membership Agreement and
	the policy YOU MUST PAY ALL COPAYMENTS to the Dentist you choose.
Enrollment 
	Group enrollment through your employer saves you money on your monthly premium.
	If inadequate or no dental coverage is offered through your employer please contact
	us so we can arrange to explain this plan to your employer and how it can be made
	available to you and other employees with no obligation.  You may enroll as an
	individual if you do not work for an employer where a group has been established.
	Enrollment on an individual basis is done through a convenient bank draft through
	your personal checking account
Rates 

	
SELECT YOUR PREMIUM PAYMENT MODE
	
Premium Payment 
Mode		One MemberTwo MembersThree to Six Members

	
Individual:
By Bank Draft Only		41.0063.0076.00*

	
Group:
By Payroll Deduction
Bank Draft Only		34.0052.0062.00*

	
*If more than six members,
add $14.00 for each additional member.
General Benefit Exclusions 
	 1.  All dental services performed by a non participating dentist.
	 2.  Dental service benefits for injuries covered by workman's compensation
	      or any other liability dental services.
	 3.  Dental services that are not determined by selected dentist
	      to be necessary services.
	 4.  Any expenses incurred for dental services prior to the effective
	      date or during any waiting period.
	 5.  All charges in connection with the completion of insurance claim forms or reports.
	 6.  Dental Services for setting fracture, dislocations, or treatment of malignancies.
	 7.  The cost of all drugs, all charges for dispensing drugs, all hospital costs.
	 8.  Dental services caused by disasters, epidemics, or military services.
	 9.  Benefits that you are entitled to receive at no cost through any government
	      or privately funded program.
	10.  Cosmetic Dentistry.
	11.  Any tempora mandibular joint (TMJ) problems or craniomandibular joints or syndromes.
	12.  Orthognathic surgery or treatment.
	13.  Replacement of appliances, crowns, bridges due to loss or damage.