Dental Insurance – South Carolina
Get Free Quotes on South Carolina Dental Insurance
DentalInsurance.com is a great place to start your research for South Carolina Dental Insurance Plans. We provide free quotes from some of the leading dental insurance providers in your area and allow you to compare plans side by side. To get started on your research, simply type in your zip code above. Before you get started though, make sure you understand the differences between the types of dental insurance plans available.
Types of Dental Insurance Plans Available in South Carolina
Choosing the right type of dental insurance plan will depend on the type of dental health services you and your family require, how often you plan to receive treatment, and your ideal price range. South Carolina has up to four different types of plans to choose from depending on your area, and each has its own payment process and range of services they cover. The types of plans include
Discount dental plans offer unlimited dental service at a discounted rate, and may be an attractive option for patients who have inadequate dental coverage. If you’re looking into a discount plan, check with each provider’s rates to see how much the plan covers for each procedure, as patients are typically responsible for any charges not covered by the discount at the time of the visit. Discount plan providers in South Carolina include Patriot Health Inc., Careington International, & Aetna Dental.
Indemnity plans typically offer the most freedom in terms of choosing a dentist, though they may require higher out-of-pocket costs for the patient. Indemnity plans send reimbursements only after receiving and reviewing the bill, and provide reimbursements based on a “fee schedule.” Fee schedules list the percentage of charges that are covered for each procedure, and are subject to a ceiling known as a UCR (Usual, Customary, and Reasonable) fee, which is determined by the dentist and the insurance provider. Patients shopping for indemnity plans should familiarize themselves with each provider’s fee schedule, as well as their policy on how frequently they update their fee schedule. South Carolina Indemnity Plan providers include Encore Dental, Security Life Insurance Company Of America, and American National.
PPOs (Preferred Provider Organizations)
PPOs work with a network of dentists who have agreed to provide their services at a reduced rate for subscribers to the PPO in exchange for access to more patients. PPO providers cover a significant portion of approved procedures, so patients are assured of a maximum cost. PPO providers may have restrictions or higher co-pays for services outside of the approved network, so patients should be aware of the provider’s policy, as well as the amount they are willing to pay for approved services. PPO providers in South Carolina include Delta Dental, HumanaOne, and Nationwide.
Fee Schedule Plan
Fee Schedule Plans are similar to indemnity plans and PPOs in that they reimburse a certain percentage for services and typically work within a preferred dentist network. They typically offer lower premiums than PPO or Indemnity plans, but also offer a maximum amount of coverage per calendar year and may require waiting periods for certain procedures. Fee schedule plans available in South Carolina include Security Life Insurance Company Of America and Symetra Life Insurance Company.