Dental Insurance – Massachusetts
Get Free Quotes on Massachusetts Dental Insurance
Finding the right dental insurance for you and your family takes time and research. We simplify this process by providing free quotes from the top insurance providers in Massachusetts, allowing you to compare plans side by side. To start comparing dental plans in your area, simply enter your zip code above. Before you begin though, make sure you understand the different types of insurance plans available..
Types of Dental Insurance Plans in Massachusetts
There are four different types of dental insurance plans available to Massachusetts’s residents. Each of them covers a different range of services and unique benefits. Some also have more restrictions than others. Understanding the differences between these types of plans is essential to finding an affordable dental insurance plan that covers your needs. The types of insurance plans available in Massachusetts are:
Indemnity plans operate on a traditional “fee-for-service” model, in which providers agree to cover a percentage of the cost of care, depending on the specific procedure. Indemnity plans allow you to seek care from any dentist you choose, but may incur higher out-of-pocket payments for patients since reimbursements are made after the provider receives the bill. The amount providers are willing to pay is listed in the company’s “fee schedule”, which is based on a UCR (Usual, Customary, Reasonable) fee. This is essentially the average cost of care for dentists within the area. Patients shopping for indemnity plans should check the provider’s fee schedule, as well as their policy on updating this fee schedule. Indemnity plan providers in Massachusetts include Security Life and Nationwide.
PPOs (Preferred Provider Organizations)
PPOs (Preferred Provider Organizations) work with a network of approved dentists who have agreed to offer their services to plan subscribers at a reduced rate. The provider then agrees to cover a significant percentage of the reduced rate, leaving the patient responsible for the remaining cost. PPOs usually require deductibles, and may have waiting periods for certain services. Coverage is also typically more expensive for dental care outside of the preferred network. Check with each the to see their specific policies. HumanaOne is the only PPO provider in Massachusetts.
Fee Schedule Plans
Fee Schedule Plans are a cross between PPO and indemnity plans. They typically work within a network of approved dentists, and cover a certain percentage of the cost for specific procedures listed in their fee schedule, which is also based on UCR fees. They tend to have lower premiums than both PPO and indemnity plans, but also has a maximum on the amount of coverage provided per calendar year. Symetra is the only Massachusetts dental insurance provider that offers a fee schedule plan.
Discount Plans allow patients to seek unlimited dental care at a discount rate without having to fill out reimbursement forms. Discount cardholders pay an enrollment fee and a small annual or monthly fee for this discount card, and there are no caps or deductibles. Plans vary widely in terms of the discounts they provide for various procedures, and patients are typically required to pay the entire amount of the service that isn’t covered by the discount, so be sure to check each provider’s discount fee schedule. Discount plan providers in Virginia include Dominion, Patriot, Careington, DentalSave, Aetna, and Argus.
DHMOs (Dental Health Maintenance Organizations)
DHMOs (Dental Health Maintenance Organizations) require no paperwork for reimbursements. Subscribers pay a small enrollment fee and a monthly or annual fee for a discount card, which allows them to seek unlimited dental service from participating dentists at a discount rate. Discounts and fees vary between providers, so check to make sure what the discount plan covers before making a decision. Discount plan providers in Massachusetts include Argus, Patriot, Careington, Dentalsave, and Aetna.