Dental Insurance – New Jersey
Get Free Quotes on New Jersey Dental Insurance
Before you buy dental insurance for you or your family, make sure to do your research. DentalInsurance.com provides free quotes from the leading dental insurance providers in your area, allowing you to compare plans side by side. You can start receiving free quotes for New Jersey dental insurance plans by typing in your zip code above, but be sure to understand the different types of plans before you begin.
Types of Dental Insurance Plans in New Jersey
There are five different types of plans offered by ten major providers in New Jersey. Each type of plan has a different set of conditions for coverage and payment, and finding the most affordable coverage will depend on your dental needs. The different types of plans available in New Jersey are:
- DHMOs (Dental Health Maintenance Organization)
- PPO (Preferred Provider Organization)
- Indemnity Plans
- Dental Fee Schedule
- Discount Dental Plans
Discount Plans are the most common type of dental insurance plans available in New Jersey. Subscribers to these plans pay an enrollment fee and a small annual fee for discount card, which allows them to seek unlimited dental care at a discounted rate. There is also no paperwork required for reimbursements, but patients are usually required to pay the entire amount that isn’t covered by the discount at the time of the visit. Discount rates and annual fees will vary between providers, so check each provider’s discount fee schedule. Discount plan providers in New Jersey include Dominion, Patriot, Careington, DentalSave, and Aetna.
DHMOs (Dental Health Maintenance Organizations)
DHMOs (Dental Health Maintenance Organizations) work within a closed “managed care” network. DHMO subscribers pay an annual or monthly membership fee in exchange for free basic dental care, and sometimes a co-pay for more advanced treatments. Dentists within the organization are paid a fixed monthly rate in exchange for their services, which incentivizes them to provide quality preventive care to avoid unnecessary complex procedures. DHMOs are often lower in cost than other types of plans, but may only offer a limited number of dentists for their patient pool, so check with the provider to see how many dentists they have available. Healthplex offers the only DHMO plan available in New Jersey.
PPOs (Preferred Provider Organizations)
PPOs (Preferred Provider Organizations) provide a large network of dentists to choose from, and assure maximum cost of care from dentists within the network. Dentists in the network agree to offer their services at a reduced rate in exchange for greater access to patients. Patients then pay a certain percentage of the reduced rate while the provider covers the rest. PPO plans usually require a deductible, and may not offer full reimbursements for dental care sought outside the network. Be sure to check each provider’s policy for out-of-network care and emergency care. HumanaOne is the only PPO provider available in New Jersey.
Fee Schedule Plans
Fee Schedule Plans plans may operate through a network like a PPO, but typically require lower premiums. Fee schedule plans reimburse a certain amount for specific procedures, with the amount listed in a provider’s “fee schedule.” Many fee schedule plans come with a calendar year maximum, so be sure to check each provider’s conditions, along with familiarizing yourself with the provider’s fee schedule. Symetra offers a fee schedule plan in New Jersey.
Indemnity plans give patients the freedom to seek care for any dentist of their choice without a referral. These plans are known as “traditional” or “fee-for-service” plans, and reimburse a given amount based on a fee schedule, which is determined by a UCR (Usual, Customary, Reasonable) fee, which is essentially the average cost of care from dentists within the area. Most dental indemnity plan providers require you to pay a deductible, and then cover a significant percentage of the UCR fee after receiving and reviewing a bill, which may mean higher out-of-pocket payments. Patients shopping for indemnity plans should familiarize themselves with the provider’s fee schedule, as well as how often they update their fee schedule. Indemnity plan providers in New Jersey include Nationwide and Security Life.