Dental Insurance – Maryland
Get Free Quotes on Maryland Dental Insurance
Researching dental insurance plans can be difficult, as available plans will vary from state to state, and even from city to city. DentalInsurance.com allows you to compare plans available in your area with free quotes from some of the nation’s top insurance providers. You can get started comparing plans by typing in your zip code above, but make sure you understand the differences between the available types of plans before you begin.
Types of Dental Insurance Plans Available in Maryland
There are five major types of dental insurance plans available in Maryland. Each type of plan has its pros and cons, and understanding the differences between the two is essential to picking a plan that’s right for you and your family. The plans available in Maryland include:
- Discount plans
- DHMOs (Dental Health Maintenance Organization)
- Fee schedule
- PPOs (Preferred Provider Organization)
- Indemnity plans
Discount plans require a monthly or annual fee in exchange for a “discount” card that allows subscribers to seek unlimited dental care at a discounted price. There are a few things to consider when shopping for a discount card plan. For one, discount card subscribers are usually responsible for the entire cost of service that isn’t covered by the discount at the time of their service. Discount plans also vary widely by provider. Some offer a cheap membership fee, but don’t cover much for advanced services. Others may have a great rate for all services, but have a higher membership fee. Discount plan providers in Maryland include Dominion Dental Services , Patriot Health Inc. , Careington International , Dentalsave and Aetna Dental.
Indemnity Plans are a “fee for service” or “traditional” insurance plans. Indemnity plan providers agree to cover a percentage of the cost of specific procedures, as outlined by the company’s “fee schedule.” Indemnity plans offer the most freedom in terms of choosing your preferred dentist since they almost always cover care from all dentists, but may require deductibles and waiting periods. They may also require higher out-of-pocket payments, since reimbursements are made after receiving the bill. Indemnity plan providers in Maryland include Nationwide , American National, Security Life Insurance Company Of America , and Delta Dental.
DHMOs (Dental Health Maintenance Organizations
DHMOs (Dental Health Maintenance Organizations) are “managed care” or plans. Members of DHMO’s are only responsible for the copay at each visit, as they pay dentists within the network a fixed monthly rate in return for free care for members within the network. This encourages dentists to provide quality preventative healthcare in order to avoid unnecessary complicated procedures. DHMO plans may not have as many options for dentists to choose from, so be sure to check the dentist to patient ratio within the network. Dominion Dental Services is an example of a Maryland DHMO provider.
PPOs (Preferred Provider Organization)
PPOs (Preferred Provider Organization) work with a network of dentists who have agreed to offer their services at a reduced rate in exchange for a wider patient pool. They then guarantee a maximum cost of service for procedures from that approved list of dentists, which is usually pretty extensive. Dental care sought outside the network is subject to a UCR (Usual, Customary, Reasonable) fee, which is essentially the average cost of services from dentists within the area, and may be significantly more expensive than dentists within the area. Be sure to check with each provider to understand their policies for emergency care. PPOs also require deductibles, calendar year maximums, and may require waiting periods for certain procedures. PPO providers in Maryland include HumanaOne , Nationwide , and Delta Dental.
Fee Schedule Plan
Fee Schedule Plans are similar to indemnity plans in that they operate with a “fee schedule” that lists what the provider is willing to cover for certain procedures. While indemnity plans work with a percentage they are willing to cover, fee schedule plans usually list the dollar amount per service they are willing to cover. These amounts are based off a UCR fee as well. Fee schedule plans may also work with a preferred network of dentists for lower costs, similar to a PPO. Like PPOs, they also have calendar year maximums, and require a deductible. Fee schedule plans in Maryland include Security Life Insurance Company Of America and Symetra Life Insurance Company.