Dental Insurance – Hawaii
Get Free Quotes on Hawaii Dental Insurance
Not all dental insurance plans are available everywhere, but DentalInsurance.com makes it easy to see which plans are available in Hawaii. Enter your zip code above to receive free quotes from some of the leading dental insurance plans in your area and begin by comparing them side by side. It’s important to note, however, that plans vary widely by the type of plan in terms of how the provider covers dental services and the amount of freedom the plan provides in terms of choosing a dentist and whether or not a patient needs to wait for certain procedures. Understanding the differences between these plan types is essential in choosing a dental insurance plan that’s right for you.
Types of Dental Insurance Plans Available in Hawaii
There are four major types of dental insurance plans available in Hawaii. No plan type is perfect for everyone, and choosing the right plan will depend upon not only your financial situation, but the needs of you and your family along with the type of freedom you are looking for. The four different types of plans are:
Discount plans are much different than most types of dental health insurance, as the plan provider does not make any direct reimbursements. Patients pay a monthly or annual fee in exchange for a discount card. This discount card allows them to seek unlimited dental care without waiting periods from participating dentists. These plans tend to be popular among people who are dissatisfied with their current dental insurance coverage. Discounts vary widely among different plans, and some may not cover certain procedures. Also, because discount dental plan providers don’t make reimbursements, patients are typically responsible for the entire discounted rate of service at the time of their visit. Discount dental plan providers in Hawaii include Patriot Health Inc., Careington International, and Aetna Dental.
PPOs (Preferred Provider Organizations)
PPOs derive their name from the network of approved dentists they provide for their patients. These dentists agree to provide subscribers to the PPO with their services for a discounted rate in order to become part of the PPO’s network, which in turn gives them access to a larger patient pool. This allows the provider to guarantee a maximum cost of service from dentists within this network. Patients may also seek dental health care outside of this network, but coverage may be significantly more expensive. Be sure to check with the provider’s policy for emergency dental care or services sough outside the network. PPOs tend to be great all around plans, but they also have calendar year maximums, and may require waiting periods for certain procedures. Nationwide is a popular dental PPO provider in Hawaii.
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 Hawaii.
Indemnity plans are also known as “traditional” dental insurance plans. They also operate on a fee-for-service model and use UCR based fee schedules, but they tend to list the amount they are willing to cover for each procedure as a percentage as opposed to a dollar amount. Indemnity plans offer the greatest freedom in terms of choosing a dentist, as they cover services from any dentist. Indemnity plans tend to offer substantial coverage, but they may lead to higher out-of-pocket payments, since providers do not provide reimbursements until after they receive and review the bill. Indemnity plan providers in Hawaii include Security Life Insurance Company Of America, Nationwide, and American National.