About
Who is the Insurance Company?
Pan-American Life Insurance Company serves and protects thousands of customers throughout the Americas. The company is currently licensed in 46 states, the District of Columbia, and Puerto Rico and has affiliates in Colombia, Guatemala and Panama, as well as branch offices in Ecuador, El Salvador and Honduras.
Who is the Administrator?
Meritain Health specializes in providing dental plan services for the group and individual dental market nationwide.
Our Focus is dental administrative services for both fully insured and self funded dental plans for groups of 2 or more as well as individuals. Our expertise is in providing customized plans that meet employers needs while exceeding expectations in customer service.
A Dental Indemnity plan is commonly known as a fee-for-service or traditional plan. If you select an Indemnity plan you’ll likely have the freedom to visit any dentist you wish. You typically will not be required to obtain referrals; however, some plans may require you to obtain preauthorization for certain procedures. Most Dental Indemnity plans require you to pay a deductible. After you have paid your deductible, Indemnity policies typically pay a percentage of "usual, customary and reasonable (UCR) rates" for covered services. For instance, the insurance company may pay 80% and you may be required to cover the remaining 20% of the UCR.