Dental Insurance – Alaska
Get Free Quotes on Alaska Dental Insurance
As you have probably discovered, dental insurance plans can be very geo-specific. Some providers only operate in certain states, and may provide certain plans to specific areas. DentalInsurance.com allows you to see which dental insurance plans are available in Alaska and provides free quotes, making it easy to compare plans side-by-side. Get started by entering your zip code above, but before you begin comparing plans, make sure you understand the difference between the different plan types.
Types of Dental Insurance Plans Available in Alaska
There are four different types of dental insurance plans available in Alaska. Each has there pros and cons, and no type of plan is perfect for everyone. Finding the perfect plan will depend on the types of procedures you believe you will require, the amount of freedom you’d like in terms of choosing a dentist or not worrying about waiting periods, and the amount you are willing to pay. The four types of dental insurance plans in Alaska are:
PPOs (Preferred Provider Organizations)
PPOs guarantee a maximum cost of services when they are received from an approved dentist within their network. These dentists agree to provide services to the PPO provider in order to receive access to the PPOs patient pool, creating a relationship where all parties benefit. PPOs make for good all-around plans, though they may require waiting periods for certain procedures and have calendar year maximums. They may provide coverage for dental services outside of the network, but this may be significantly less, which may create difficulties seeking emergency care. Check with each provider to see what their policy on emergency care is. PPO providers in Alaska include HumanaOne.
Indemnity plans are considered “traditional dental insurance,” and operate on a fee-for-service model. This means they make reimbursements based on the services a patient receives, and cover certain percentages of specific procedures. The amount they cover for each procedure is based on a UCR index. UCR stands for Usual, Customary, and Reasonable, and is a combination of the average cost of dental services from nearby dentists along with what the company considers to be a fair amount of coverage. UCR indexes vary from company to company. The UCR index helps determine the company’s “fee schedule,” which is where they list the amount they are willing to cover for each procedure. Indemnity plans offer the greatest freedom in terms of choosing a dentist, but they may incur higher out-of-pocket payments, as providers make reimbursements after receiving and reviewing the bill. Indemnity plan providers in Alaska include Security Life Insurance Company Of America and American National.
Fee Schedule Plan
Fee Schedule operate on a fee-for-service model, in which the provider lists the amount they are willing to cover for specific procedures in the company’s “fee schedule.” This fee schedule is based on a UCR index, which stands for “Usual, Customary, and Reasonable.” This is essentially the average cost of dental care from nearby dentists, and the amount the insurance company considers to be a fair amount of coverage. UCR indexes vary between different companies, so check to see when each company updates its UCR index. Fee schedule plans tend to have lower premiums than PPO or Indemnity plans, but they may have greater restrictions in terms of calendar year maximums and waiting periods for certain procedures. Security Life Insurance Company Of America and Symetra Life Insurance Company are two popular fee schedule plans in Alaska.
Discount plans are popular among patients who are dissatisfied with their current dental health coverage. Subscribers to the discount plan pay an annual or monthly fee in exchange for a discount card, which allows them to seek unlimited dental health care from participating dentists at a discounted rate. Discounts vary widely from plan to plan, which means there are discount plans that work for nearly every budget. Dental Discount Plan providers don’t make direct reimbursements though, so patients are typically responsible for the entire discounted rate at the time of their visit. Also, be sure to check with your preferred dentist to ensure he takes the discount plan you are interested in before purchasing. Discount plan providers in Alaska include Argus, Careington International, and Aetna Dental.