Dental Insurance – Nevada
Get Free Quotes on Nevada Dental Insurance
If you’re shopping for dental insurance plans in Nevada, DentalInsurance.com provides free quotes from some of the leading plans in your area, making it easy to research and find the plan that’s best for you. To start comparing quotes, simply enter your zip code above. Before you begin though, make sure you understand how each type of dental insurance plan works
Types of Dental Insurance Plans Available in Nevada
Nevada has four different types of available dental insurance plans. Plans differ on how the insurance company is able to provide savings on dental services, and each type of plan has its pros and cons. Before choosing a plan, it’s important to not only understand how much the plan costs on the surface, but also the types of savings they will provide for the services you need. The four types of available dental insurance plans in Nevada include:
PPOs (Preferred Provider Organizations)
PPOs give patients the option to choose from a network of approved dentists. These dentists have agreed to provide their services for at a discounted rate in order to gain access to the PPO’s patient pool, which allows the PPO to guarantee a maximum cost of service within the network. PPO subscribers may seek care outside of the network, but coverage is usually significantly less. Check with each provider to understand their policy on seeking care outside of the network, and also to see if they require any waiting periods for certain procedures. PPO Providers in Nevada include HumanaOne, Anthem Blue Cross Blue Shield of Nevada, Delta Dental, and Nationwide .
Indemnity plans operate on a “fee-for-service” model, and are sometimes referred to as “traditional dental insurance.” Indemnity plan providers list the percentage they are willing to cover for each procedure in the company’s “fee schedule,” which is usually based on a UCR index. UCR stands for “Usual, Customary, & Reasonable,” and is basically a calculation of the average cost of services from dentists in the area. Indemnity plans typically cover a significant portion of dental care, but may lead to higher out-of-pocket payments for the patient since reimbursements are made after the provider receives and reviews the bill. Indemnity plan providers in Nevada include American National, Delta Dental, Nationwide , and Security Life Insurance Company Of America.
Discount plans allow subscribers to seek unlimited dental care from dentists who accept the plan at a discounted rate. Unlike most dental insurance plans, discount plan providers don’t make reimbursements. Subscribers are given a discount card in exchange for annual or monthly payments, which gives them fewer restrictions than most plans, but also means they are responsible for the entire discounted rate at the time of the visit. The amount these discount cards cover varies greatly from plan to plan, so be sure to familiarize yourself with the discounted fee schedule for the procedures you expect to receive. Patriot Health Inc., Careington International, and Aetna Dental are popular discount dental plan providers in Nevada.
Fee Schedule Plan
Fee Schedule are similar to indemnity plans in that they operate on a fee-for-service model, but they may also work within a network like a PPO. Like indemnity plans, fee schedule plan providers list the amounts they are willing to cover in their UCR-based fee schedule, but this may be listed as a dollar amount as opposed to a percentage. These plans tend to have lower premiums than PPO or Indemnity plans, but they may also have greater restrictions like waiting periods for certain procedures and calendar year maximums. Security Life Insurance Company Of America and Symetra Life Insurance Company are two major Fee Schedule Plan providers in Nevada.