Dental Insurance – Alabama
Get Free Quotes on Alabama Dental Insurance
Finding affordable dental insurance requires some research, and DentalInsurance.com makes it easy by providing free quotes and information on the available plans in Alabama. To find out which dental insurance plans are available in your area, enter your zip code above to get started. Before you begin though, make sure you understand the difference between the various types of plans
Types of Dental Insurance Plans Available in Alabama
There are five different types of Dental Insurance plans available in Alabama, and covers dental health services differently. Some provide more options of dentists to choose from, some provide a wider coverage of more complicated procedures, and some offer more affordable rates for basic care. Understanding how these different types of insurance work and how they align with you or your family’s needs is essential to finding the right plan for you. The types of insurance available in Alabama are
- DHMOs (Dental Health Maintenance Organization)
- PPOs (Preferred Provider Organization)
- Fee schedule
- Indemnity plans
- Discount plans
DHMOs (Dental Health Maintenance Organizations)
DHMOs are often the most affordable type of plan, but may also have more restrictions. DHMOs pay highly qualified dentists a fixed monthly rate for each subscriber to the DHMO, and patients are then only responsible for relatively small copay. Ideally, DHMO dentists are incentivized to provide high quality preventive care in order to avoid more complex procedures. There may be a limited number of dentists available to the DHMO, and costs of care outside the organization may be much higher. Check with the provider to see how many dentists are available in your area compared to the size of the patient pool. HumanaOne is the only DHMO provider available in Alabama.
PPOs (Preferred Provider Organizations)
PPOs work with a wider network of dentists than DHMOs. Patients are able to choose from a list of preferred dentists who agree to provide services at a lower cost for members under the plan in exchange for greater access to patients. Unlike a DHMO, dental PPOs agree to cover a certain percentage of the cost of dental services as opposed to fixing a flat rate for members within an organization, though the network allows them to guarantee a maximum cost for certain procedures. If you’re shopping for a dental PPO, be sure to see which services are covered, as well as their policy for covering dental health care outside the preferred network. PPO providers in Alabama include Delta Dental, HumanaOne, and Nationwide.
Fee Schedule Plan
Fee Schedule plans list the percentage or dollar amount the provider is willing to cover for specific procedures, and the list is called the “fee schedule.” This fee schedule is determined by a UCR (Usual, Customary, Reasonable) fee, which determines the cost of dental procedures based on the average cost of services from dentists within the area. They typically have lower premiums than most plans, but also come with a maximum amount of coverage per calendar year. Patients shopping for fee schedule plans should familiarize themselves with the provider’s fee schedule, as well as any waiting periods they may require for certain services. Fee schedule plans available in Alabama include Security Life Insurance Company Of America and Symetra Life Insurance Company.
Indemnity plans work through a “fee for service” model, and are sometimes called “traditional dental insurance” plans. Indemnity plan providers also use a fee schedule which is subject to UCR fees, and reimbursements are typically made after receiving and reviewing the bill. This may require patients to pay higher out-of-pocket costs, but they offer the greatest freedom when it comes to choosing a preferred dentist. Check with each provider to see how often they update their fee schedule, as well as their policies on waiting periods for certain services. Alabama Indemnity Plan providers include Security Life Insurance Company Of America, Nationwide, & Delta Dental.
Discount plans can offer unlimited health care at a discounted rate in exchange for an annual or monthly fee without restrictions or waiting periods. They may be extremely attractive for patients with inadequate dental health insurance, and the savings far outweigh the cost of the discount card. Patients are usually required to pay the balance of the service not covered by the discount at the time of the visit, so familiarize yourself with each provider’s rates, and check with your preferred local dentist to see how they accept payments from discount card holders. Discount plan providers in Alabama include Patriot Health Inc., Careington International, & Aetna Dental.