Dental Insurance – Minnesota
Get Free Quotes on Minnesota Dental Insurance
Don’t buy dental insurance without doing your research. DentalInsurance.com allows you to compare Wisconsin dental insurance plans side by side by offering free quotes based on your zip code. You can get started by typing in your zip code above, but make sure you understand the difference between each type of plan.
Types of Dental Insurance Plans Available in Minnesota
DentalInsurance.com makes it easy to compare dental insurance plans in Minnesota by providing free quotes available in your area. Finding the most affordable plan will depend on you or your family’s needs, since some plans may appear to be cheaper but lack coverage of certain procedures. You can start comparing quotes by typing in your zip code above, but before you begin, make sure you understand the difference between the different types of plans available in Minnesota.
PPOs (Preferred Provider Organizations)
PPOs (Preferred Provider Organization) work with a network of dentists that allow the provider to guarantee a maximum cost of care from within that network. These networks usually include several dentists within a given area who have agreed to offer their services to patients within the PPO at a discounted rate in exchange for access to the PPO’s patient pool. Services from dentists outside of the network are generally subject to a UCR fee, and may be significantly more expensive than services from within the network. Check with each provider to see their policies on emergency care, as well as any waiting periods they may require for certain services. PPO providers include HumanaOne and Nationwide .
Indemnity plans are a “fee-for-service” plan, and are sometimes referred to as “Traditional Dental Insurance.” A fee-for-service plan means that the provider covers a percentage of the cost of each procedure, which is listed in the company’s “fee schedule.” This is based on a UCR fee (Usual, Customary, Reasonable), which is based on the average cost of service from dentists within the area. Indemnity plans may incur higher out-of-pocket costs for patients depending on the procedures they receive, since providers make reimbursements after receiving the bill. However, they typically cover a significant portion, if not the entire cost of basic services like cleanings. Indemnity plans also offer the greatest freedom in choosing a dentist, as they cover services from any dentist. Indemnity plan providers in Minnesota include, Security Life Insurance Company Of America, American National, and Nationwide .
Fee Schedule Plan
Fee Schedule Plans are very similar to indemnity plans in that they use a fee schedule based on a UCR, but they sometimes cover a specific dollar amount for each procedure as opposed to a percentage. They also typically charge lower premiums than PPO or Indemnity plans, but also have calendar year maximums and waiting periods for certain services. Fee schedule plans in Minnesota include Security Life Insurance Company Of America and Symetra Life Insurance Company.
Discount plans are not like typical insurance plans, as the provider makes no reimbursements. Patients pay a monthly or annual fee in exchange for a “discount card,” which allows them to seek unlimited care at a discount rate from participating dentists. Discount plans vary widely by provider, but they typically cover most of the cost of basic procedures. Be sure to familiarize yourself with the differences in rates between the available plans, and also check with your local dentist to see how they cover discount plans, as many require the entire discounted rate at the time of the service. Discount plan providers in Minnesota include Patriot Health Inc., Careington International, Argus, and Aetna Dental .