For dental providers
Working with My Live Health.
A short page for dental practices: what an insurance agency does and does not handle, how network participation works, and where to send a question.
The short version
We sell coverage. The carrier owns the network.
My Live Health is a licensed insurance agency. We help consumers and employers compare and enroll in dental coverage, including standalone dental plans, pediatric dental included in a marketplace medical plan, and group dental offered alongside employer medical. We do not process dental claims, set fee schedules, credential practices, or maintain provider directories: the dental carrier that issues the plan does all of that.
Network participation
Participation agreements are made with each dental carrier separately, in each state where you practice. Credentialing verifies licensure, education and training, malpractice coverage, and practice information, and it usually repeats on a recredentialing cycle. Keep each carrier updated on address, phone, provider roster, and whether you are accepting new patients, because that is what members see when they search a directory.
Verifying benefits
Verify eligibility and benefits with the dental carrier named on the member card, using the provider line or portal printed on it. Dental benefits carry details worth confirming before treatment: the annual maximum and how much of it is already used, waiting periods on major services, frequency limits on cleanings and radiographs, missing tooth clauses, and whether a predetermination is recommended for a larger treatment plan.
When a patient has no coverage
Patients who ask about buying dental coverage can be sent to our dental plans page. Standalone dental can be purchased year round in most cases, while dental bought through the marketplace follows the same enrollment windows as medical coverage.
Practice questions
We do not run a provider portal. Send a message with your practice name, city, and question, and we will route it to the right person or point you to the carrier contact you need.
Plan designs
Three structures behind most dental cards.
Knowing which design a patient carries explains most of what happens at checkout.
01 DHMO
Prepaid, assigned practice
Members choose a participating practice and pay set copays from a fee schedule. There is usually no annual maximum and no deductible, and care outside the assigned practice is generally not covered except in an emergency.
02 DPPO
Network discount, annual maximum
The most common design. Members can see any dentist, but pay less in network. Plans typically have a deductible, coinsurance that varies by service class, and an annual maximum the plan will pay in a year.
03 Indemnity
No network at all
The plan pays a share of usual and customary charges wherever the member goes. Less common today, and the member is responsible for the balance above what the plan allows.
Dental practice inquiries
Have a network or referral question?
Send your practice name, city, and what you need, and we will get back to you.