Dental Insurance Plans by State

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Dental Insurance – Tennessee

Get Free Quotes on Tennessee Dental Insurance

DentalInsurance.com offers free quotes and information on Tennessee dental insurance providers, allowing customers to compare plans side by side in order to choose an affordable plan that’s right for them. See what’s available in your area by typing in your zip code above. Before you begin comparing though, there are a few things you should know about dental insurance in Tennessee.

Types of Dental Insurance Plans Available in Tennessee

There are five different types of dental insurance plans available in Tennessee, and each one offers a different set of services with a different type of payment plan. In order to choose the best plan for you or your family, it’s important to understand these differences and determine which type best suits your family’s needs. The types of dental insurance available in California include:

Discount Plans

Discount plans are also sometimes called “fee for service” plans. Patients will pay a monthly or annual fee for a discount card that will allow them to receive dental care at a discount rate. Membership costs are typically small compared to the savings people receive on their dental care, though patients usually have to pay any cost not covered by the discount up front. Be sure to check each provider’s fee schedule, as well as their terms of payment. The discount dental plan providers in Tennessee include Patriot Health Inc. , Careington International , & Aetna Dental .

DHMOs (Dental Health Maintenance Organizations

DHMOs are typically the most affordable type of coverage for basic dental care. Patients pay a monthly or annual fee for membership in the DHMO, and in exchange receive basic dental care for free or at an extremely reduced price. Dentists within the DHMO are paid a fixed monthly rate by the insurance provider, which incentivizes them to provide quality preventative care to avoid unnecessary dental procedures. There are often restrictions on the types of procedures available under DHMOs, and services outside the plan may require higher co-payments. If you’re shopping for a DHMO, be sure to see which procedures are covered by the plan, as well as the number of dentists within the patient pool. HumanaOne is currently the only DHMO provider in Tennessee.

PPOs (Preferred Provider Organizations)

PPOs (Preferred Provider Organization) work with a wider network of dentists than DHMOs. Patients are able to choose from a list of preferred dentists who agree to provide services at a lower cost for members under the plan in exchange for greater access to patients. Unlike a DHMO, dental PPOs agree to cover a certain percentage of the cost of dental services as opposed to fixing a flat rate for members within an organization, though the percentage they cover is usually pretty significant depending on the type of procedure. If you’re shopping for a dental PPO, be sure to see which services are covered, as well as their policy for covering dental health care outside the preferred network. The PPO providers available in Tennessee include Nationwide &HumanaOne.

Fee Schedule Plan

Fee Schedule Plans plans are similar to indemnity plans, but usually work within a network. Like an indemnity plan, reimbursement amounts are based on a fee schedule based on UCR fees. These plans usually have lower premiums than indemnity plans or PPOs, but typically have a calendar year maximum and waiting periods on certain procedures. The fee schedule plan providers available in Tenesse include Security Life Insurance Company Of America and Symetra Life Insurance Company .

Indemnity Plans

Indemnity plans are often called “traditional dental insurance” and operate on a fee-for-service model. Indemnity plan providers make reimbursements after receiving and reviewing a bill, and the reimbursement amount is dictated by a UCR (Usual, Customary, Reasonable) fee. Usual and reasonable amounts for services are determined by dentists, while the “customary” fee is determined by the provider. This UCR fee helps determine the percentage the provider is willing to pay for each service, and is listed in the provider’s “fee schedule.” The primary benefit of an indemnity plan is the freedom of choice in terms of dentists, though they may incur higher out-of-pocket fees for the patient. Check with the provider’s fee schedule, as well as their policy on how frequently the fee schedule is updated. Indemnity plan providers in Tenessee include American National , Security Life Insurance Company Of America , & Encore Dental.

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