Dental Insurance – Arkansas
Get Free Quotes on Arkansas Dental Insurance
Looking for dental insurance plans in Arkansas? DentalInsurance.com provides free quotes for the top dental insurance plans in your area based on your zip code, allowing you to compare plans side by side. Finding the right plan for you takes time and research, but finding out what plans are available is the first step. Plans vary widely by the type of insurance plan, so be sure to understand the difference between these plan types before you begin comparing. To receive your free quotes, just enter your zip code above.
Types of Dental Insurance Plans Available in Arkansas
There are four different types of dental insurance plans in Arkansas, and no plan type is perfect for everyone. Some may have a relatively low up-front cost, while others provide a great deal of freedom in terms of choosing a dentist and receiving care without restrictions. Understanding these differences as well as the needs of you and your family is essential to choosing the right plan. The types of plans available in Arkansas are:
PPOs (Preferred Provider Organizations)
PPOs work within a network of dentists. These dentists agree to offer their services to PPO members at a discounted rate in order to gain access to a large patient pool, which allows the provider to guarantee a maximum cost of care within the network. Any dental care sought outside the network is generally subject to a fee schedule that may be significantly more expensive than in-network care. PPOs may also require waiting periods for certain procedures, so be sure to check with each provider’s policy on emergency care. HumanaOne and Nationwide are both Arkansas PPO providers.
Indemnity plans are considered “traditional” insurance plans, operating on a fee-for-service model. Indemnity plan providers list the % they are willing to cover for each service in a fee schedule, which is based on a UCR fee. UCR stands for “Usual, Customary, and Reasonable,” and is essentially the average cost of service from dentists in the area. This helps the insurance company determine the fair amount of coverage for basic dental care. The main advantage of indemnity plans is that they provide the most freedom in terms of choosing a dentist. They can, however, lead to higher out-of-pocket payments for patients, since plan providers make reimbursements after receiving the bill. Indemnity plan providers in Arkansas include Encore Dental, American National, and Security Life Insurance Company Of America.
Discount plans allow subscribers to seek unlimited dental care from dentists who accept the plan at a discounted rate. Unlike most dental insurance plans, discount plan providers don’t make reimbursements. Subscribers are given a discount card in exchange for annual or monthly payments, which gives them fewer restrictions than most plans, but also means they are responsible for the entire discounted rate at the time of the visit. The amount these discount cards cover varies greatly from plan to plan, so be sure to familiarize yourself with the discounted fee schedule for the procedures you expect to receive. Argus, Patriot Health Inc., Careington International, and Aetna Dental are popular discount dental plan providers in Arkansas.
Fee Schedule Plan
Fee Schedule are similar to indemnity plans in that they work on a fee-for-service model, and the provider also lists the amount they are willing to pay per service in the company’s “fee schedule.” The fee schedule is usually determined by a UCR (Usual, Customary, and Reasonable) fee, which is basically the average cost of services from dentists within the area. The plan then either pays a certain dollar amount, or a percentage of each procedure, and the patient is responsible for the rest. Fee schedule plans usually have lower premiums than PPO or Indemnity plans, but also have calendar year maximums and waiting periods for certain services. Security Life Insurance Company Of America and Symetra Life Insurance Company are two popular Fee Schedule providers in Arkansas.