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Dental Insurance – Rhode Island

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If you’re shopping for dental insurance plans in Rhode Island, be sure to do your research. Not all plans are available in every area, but DentalInsurance.com makes it easy to see which plans are available in your area and compare quotes side by side. To get started, enter your zip code above, but make sure you understand the difference between the various plan types before you begin.

Types of Dental Insurance Plans Available in Rhode Island

There are four different types of dental insurance plans available in Rhode Island. Each has there pros and cons, and no type of plan is perfect for everyone. Finding the perfect plan will depend on the types of procedures you believe you will require, the amount of freedom you’d like in terms of choosing a dentist or not worrying about waiting periods, and the amount you are willing to pay. The four types of dental insurance plans in Rhode Island are:

PPOs (Preferred Provider Organizations)

PPOs work within a network of dentists. These dentists agree to offer their services to PPO members at a discounted rate in order to gain access to a large patient pool, which allows the provider to guarantee a maximum cost of care within the network. Any dental care sought outside the network is generally subject to a fee schedule that may be significantly more expensive than in-network care. PPOs may also require waiting periods for certain procedures, so be sure to check with each provider’s policy on emergency care. HumanaOne and Nationwide are two popular Rhode Island dental PPO providers.

Indemnity Plans

Indemnity plans 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 Rhode Island include Encore Dental , American National, and Security Life Insurance Company Of America.

Discount Plans

Discount plans are an attractive option for patients who have inadequate coverage. Subscribers receive a discount card that allows them to receive unlimited dental care at a discounted price. Patients are typically responsible for the entire price that is not covered by the discount at the time of the visit, so it’s important to be aware of the provider’s discount fee schedule. You should also make sure your preferred dentist accepts the plan. The discount plan providers available in Rhode Island include Patriot Health Inc., Dentalsave, Careington International, and Aetna Dental .

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. Symetra Life Insurance Company is an example of a Fee Schedule Plan provider in Rhode Island.

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Rhode Island - Dental Plans

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