Dental Insurance – Wisconsin
Get Free Quotes on Wisconsin Dental Insurance
Don’t buy dental insurance without doing your research. DentalInsurance.com allows you to compare Wisconsin dental insurance plans side by side by offering free quotes based on your zip code. You can get started by typing in your zip code above, but make sure you understand the difference between each type of plan.
Types of Dental Insurance Plans Available in Wisconsin
There are five major types of dental insurance plans available in Wisconsin. Each type of plan has its pros and cons. Some plans may be less expensive, but provide limitations on coverage and payment options. Understanding the differences between plan types is the first step toward picking a plan that’s right for you and your family. The plans available in Wisconsin include:
Discount plans provide subscribers with a discount card that enables them to receive dental care at a discounted rate from participating dentists. These plans are popular among those who feel dissatisfied with their current coverage. Discounted rates vary by plan and provider, and many dentists require that the discounted rate be paid in full at the time of service. If you’re shopping for a discount dental plan, make sure you understand the difference between the available providers and their plans, and also check with your local dentist to see what their payment policy for discount plans includes. Discount plan providers in Wisconsin include Patriot Health Inc. , Careington International , and Aetna Dental .
PPOs (Preferred Provider Organizations)
PPOs (Preferred Provider Organization) operate through a network of dentists who have agreed to provide their services to subscribers of the PPO at a discounted rate. This allows the provider to guarantee a maximum cost of service for its subscribers. PPOs also cover services from dentists outside the network, but this can be significantly more expensive. Be sure to check which dentists in your area are covered by the PPO. PPO providers in Wisconsin include HumanaOne and Nationwide .
Fee Schedule Plan
Fee Schedule Plans plans cover a certain percentage or dollar amount for each service based on a UCR (Usual, Customary, Reasonable) fee, which is essentially the average cost of service among participating dentists in the area. The amount each plan covers for each service is listed in the providers “fee schedule.” These plans typically charge lower premiums than PPO & indemnity plans, but they also have calendar-year maximums, and may require waiting periods for certain procedures. Some fee-schedule plans may also work with a preferred network like a PPO plan. Check to see what restrictions each plan has, and how often providers update their fee schedule. Fee schedule plan providers in Wisconsin include Security Life Insurance Company Of America and Symetra Life Insurance Company .
Indemnity plans cover a percentage of the cost of specific procedures, which is also listed in the company’s “fee schedule.” They are also known as “fee-for-service” or “traditional” insurance plans. Indemnity plans offer the most freedom in terms of choosing your preferred dentist since they cover services from any dentist. They may require deductibles and waiting periods, and they may lead to higher out-of-pocket payments, since reimbursements are made after receiving the bill. Indemnity plan providers in Wisconsin include American National , Security Life Insurance Company Of America, and Encore Dental.