Dental Insurance – Mississippi
Get Free Quotes on Mississippi Dental Insurance
With so many different options of dental insurance plans to choose from in Mississippi, doing enough research is essentially for finding the perfect plan. DentalInsurance.com makes that process easier by providing free quotes from some of the top plans in your area, allowing you to compare plans from different carriers side by side. Enter your zip code above to get started, but make sure you understand the difference between the different types of plans.
Types of Dental Insurance Plans Available in Mississippi
The available dental insurance plans in Mississippi fall under four categories. Each type of plan differs in the way providers cover dental services, and no type of plan is best for everyone. Finding the right plan will depend on the needs of you and your family, as well as the amount of freedom you are looking for in terms of choosing your dentist and receiving care without waiting periods. The four types of dental insurance plans in Mississippi include:
Discount plans tend to be favored by people who are unhappy with their current dental insurance coverage, as they don’t require waiting periods, and the enrollment process is relatively simple. Subscribers pay an annual or monthly fee in exchange for a discount card, which allows them to receive dental care form participating dentist at a discounted rate. The amount the discount covers for each procedure will depend upon the plan, as well as the specific procedure you receive during your visit, so be sure to familiarize yourself with the discount fee schedules. It’s also important to note that since discount plan providers do not make reimbursements, patients are usually responsible for the entire discounted rate of service at the time of the visit. Discount plan providers in Mississippi include Argus, Patriot Health Inc., Careington International, and Aetna Dental .
PPOs (Preferred Provider Organizations)
PPOs guarantee a maximum cost of service from dentists within their preferred network. These dentists have agreed to provide their services to PPO subscribers at a discounted rate, which gives them access to a greater patient pool. PPOs typically come with calendar year maximums and deductibles, but they generally provide excellent savings. Patients may also seek care from dentists outside of the network, but coverage may be significantly less. Check with each provider to see what their policy on emergency care and services sought outside of the network. PPO providers in Mississippi include HumanaOne, Delta Dental, and Nationwide .
Indemnity 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 Mississippi include Encore Dental, American National, Nationwide, Delta Dental, and Security Life Insurance Company Of America.
Fee Schedule Plan
Fee Schedule plans are similar to indemnity plans in many ways, but sometimes operate in networks of preferred dentists like a PPO. Fee schedule plans tend to list the dollar amount the provider is willing to pay for specific services, which is based on UCR fees like indemnity plans. They tend to offer lower premiums than most PPO or indemnity plans, but also have calendar year maximums and may require waiting periods or other restrictions for certain procedures. Check with each provider to determine how often they update their fee schedule. Security Life Insurance Company Of America and Symetra Life Insurance Company are two well-known Mississippi Fee Schedule plan providers.