Dental insurance works somewhat like medical insurance. For a monthly premium, a covered person is entitled to certain dental benefits, often including routine checkups, cleanings, x-rays, and care required to promote good dental health. Some plans provide broader coverage than others and some require a greater financial contribution on your part when services are rendered than others. Some plans may also provide coverage for certain types of oral surgery, dental implants, or orthodontia.

INDEMNITY DENTAL PLANS

Indemnity plans typically offer a broader selection of dental care providers than managed-care plans and pay their share of the costs for covered services after a modest deductible and once you have both had your care and paid your dentist (meaning the plan will reimburse you once you or your dentist file a claim).

MANAGED CARE DENTAL PLANS (DMO’S & PPO’S)

Managed-care plans typically maintain dental provider networks and range from Dental Maintenance Organizations (which work like an “HMO” in that all routine care is obtained from a network dentist) to Preferred Provider Organizations (which allow you to receive care in an established network at a lower cost but also the freedom of choice to use a provider that is not in the insurer’s network, subject to higher deductibles or coinsurance or both). Dentists participating in a network agree to perform services for patients at pre-negotiated rates and usually will submit your claim to the dental insurance company for you. In general, you’ll have less paperwork and lower out-of-pocket costs with a managed-care dental plan and a broader choice of dentists with an Indemnity plan.

ALL FORMS OF INSURANCE

  • Ancillary (Voluntary/Employee Paid) Benefits
  • Annuities
  • Benchmarking
  • Benefits Administration
  • Brokerage
  • Cancer & Critical Illness
  • Commercial / Business Insurance
  • Communications
  • Compliance Consulting
  • Consulting
  • Dental Insurance
  • Employee Assistance Plans (EAP)
  • Health & Welfare Plans (Group)
  • Health / Medical Insurance
  • Healthcare Reform
  • Hospital Indemnity
  • Individual Health
  • Life Insurance
  • Long Term Care
  • Long Term Disability Insurance
  • Medicare Supplements
  • Payroll Deduction Auto & Home Insurance
  • Personal Insurance (Home, Auto, Umbrella)
  • Pharmacy Consulting
  • Plan Design
  • Plan Management
  • Pre-Paid Legal Plans
  • Provider Network Evaluation
  • Retiree Health Care
  • Retirement Plans (401k’s)
  • Short Term Disability Insurance
  • Vision Insurance
  • Wellness & Productivity

TRUSTED INSURER CHOICES: SUPERIOR MARKET KNOWLEDGE, RELATIONSHIPS & INSURER ACCESS

As an independent agency, not some insurance company, we offer choices from all of the leading insurers and act as your advocate and navigator through the complex world of insurance.

Morris & Reynolds represents and has access to the entire market of leading insurers. Many of our relationships with major insurers span decades and often find us in a leadership position as an advisor or agent Board member. We also offer immediate access to America’s Health Insurance Exchange, along with the professional advice and guidance needed to navigate the many insurer options in addition to providing the day to day service you need in the years to come that we’ve been known for since 1950.

THE LOWEST PRICES AVAILABLE ANYWHERE

Insurance rates are filed with and regulated by the State Department of Insurance. Whether you buy from Morris & Reynolds, some on line or toll free business you’ll never see, or even directly from an insurance company, you’ll pay the same premium for the coverage you purchase. This means that you can enjoy the advantages and convenience of shopping and purchasing your insurance from Morris & Reynolds’ professional people, as well as have our live, local, service available whenever you need it and rest assured that you’re getting the best available price.

AGGRESSIVE, TRANSPARENT, NEGOTIATIONS & COSTS

Your coverage and budget goals are our sole focus. The coverage and costs that we quote, in fact all we do, is focused on you and your family. We are known as aggressive negotiators who have our clients’ best interest at heart. Always.

We also enjoy serving our clients in the most transparent manner possible and are happy to discuss and disclose our compensation and answer your questions about that important topic with you. Morris & Reynolds is a truly independent insurance agency and has been since 1950. Our focus is never on stockholders, stock prices or an insurance company preference, but our clients’ goals, dreams and desires. Always.

HANDS-ON DAY TO DAY CARE & ADVOCACY FOR YOU & YOUR FAMILY

Let’s face it, insurance can be time consuming and frustrating. Dealing with medical providers, claims paperwork and insurers is often an experience filled with ‘red tape’, delays and frustration. Whether you or your family members have a question about your coverage, a provider, a bill or a claim we are here to help every step of the way. Our Client Advocates are here at Morris & Reynolds everyday focused on assisting you and your family with provider and claim concerns as well as the never ending ‘red tape’ involved with America’s medical ‘system’.

PEACE OF MIND

Your satisfaction with the insurance that we provide to you and your family is very important to us. At Morris & Reynolds Insurance we take your peace of mind to heart in all we do from the coverage that we structure, the insurers we suggest and the day to day service and care we provide to you. When you need us most, we will always be there.

AWARD WINNING, EDUCATED, LIVE, LOCAL, PROFESSIONAL PEOPLE

At Morris & Reynolds Insurance our clients’ receive the best of both worlds. We are well known for our ‘old fashioned’, reliable and responsive service that dates to the founding of our agency in 1950.

Our Client Service Underwriters, Client Advocates and Professional Agents are deeply committed to their profession and career-long learning. Our award winning TEAM of professional people, the finest people in employee benefits and insurance, is unique to Morris & Reynolds Insurance. In order to offer our clients the very finest results possible we constantly seek improvement by way of training, performance measurement and process reviews.

Our corporate office is an approved and certified testing site for the prestigious Insurance Institute of America and their curriculum is part of our ongoing TEAM educational efforts. Morris & Reynolds Insurance is proud of the awards that TEAM members have received from a variety of industry associations and insurers, including the Florida Agent of the Year, The National Agent of the Year and The Customer Service Representative of the Year Honors to name a few.


INDIVIDUAL PROTECTION
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Trusted Insurance

"Savings & Service Has Been Our Policy Since 1950"
14821 South Dixie Highway, Miami, Florida 33176
P 305.238.1000 | F 305.255.9643
E info@morrisandreynolds.com

Independent agent