Dental Insurance – Nebraska
Get Free Quotes on Nebraska Dental Insurance
Shopping for dental insurance can be confusing and frustrating since so many plans are geo-specific. DentalInsurance.com allows you to compare free quotes from some of the leading dental insurance plans in Nebraska based on your zip code, making it much easier to research. To start comparing free quotes, enter your zip code above. Keep in mind though that different plan types provide coverage in different ways and have different restrictions, so be sure to understand the difference between them.
Types of Dental Insurance Plans Available in Nebraska
There are four different types of dental insurance plans available in Nebraska. No plan type is perfect for everyone. Choosing the type of plan that’s right for you will depend on the needs of you and your family, your financial situation, and the degree of freedom you’re looking for in terms of choosing a dentist or receiving services without a waiting period. The four types of dental insurance plans in Nebraska are:
Discount plans are unlike most types of insurance, as they do not provide reimbursements. Instead, subscribers pay an annual or monthly fee in exchange for a “discount card,” which allows them to receive unlimited dental care from participating dentists at a discounted rate. Discounts vary widely between different plans, but they tend to provide excellent savings. Since discount plans don’t make reimbursements though, patients are typically responsible for the entire discounted rate of service at the time of the visit. Discount dental plan providers in Nebraska include Patriot Health Inc., Careington International, and Aetna Dental .
Indemnity plans are considered “traditional dental insurance,” and operate on a fee-for-service model. This means they make reimbursements based on the services a patient receives, and cover certain percentages of specific procedures. The amount they cover for each procedure is based on a UCR index. UCR stands for Usual, Customary, and Reasonable, and is a combination of the average cost of dental services from nearby dentists along with what the company considers to be a fair amount of coverage. UCR indexes vary from company to company. The UCR index helps determine the company’s “fee schedule,” which is where they list the amount they are willing to cover for each procedure. Indemnity plans offer the greatest freedom in terms of choosing a dentist, but they may incur higher out-of-pocket payments, as providers make reimbursements after receiving and reviewing the bill. Indemnity plan providers in Nebraska include Encore Dental, Aetna Dental, Nationwide, and Security Life Insurance Company Of America.
PPOs (Preferred Provider Organizations)
PPOs get their name from the network of preferred dentists they work with. Dentists within the network agree to provide their services at a discounted rate to PPO subscribers in order to gain access to a wider patient pool. This allows the PPO to guarantee a maximum cost of service from dentists within the network. PPOs usually cover services from dentists outside of the network as well, but coverage may be much more limited. PPOs are a good all-around plan, but keep in mind that most PPOs require deductibles and calendar year maximums. PPO plan providers in Nebraska include HumanaOne and Nationwide .
Fee Schedule Plan
Fee Schedule are very similar to indemnity plans. They also operate on a fee-for-service model, and also list the amount they are willing to cover for specific procedures based on a UCR index. They may list the amounts they are willing to cover as a dollar amount though as opposed to a percentage. They may also operate within a network like a PPO. These plans tend to have low premiums compared to PPOs and indemnity plans, though they may have greater restrictions in terms of deductibles, 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 plan providers in Nebraska.