Dental Insurance Plan Quotes – Arizona
Get Free Quotes on Dental Insurance in AZ
There are several different types of dental insurance plans available in Arizona. Finding the most affordable dental plan for you will depend on your individual or your family’s dental care coverage needs. Do you want to compare free quotes for Arizona dental insurance and discount plans available in your area? It is easy, simply type in your zip code above to get started. Before you begin though, make sure you know what the differences are between the different types of dental insurance and discount dental plans available in AZ.
Types of Dental Plans in Arizona
There are four major types of dental insurance plans to choose between if you’re an Arizona resident. Each has its own unique merits and restrictions, and choosing the plan that’s right for you will depend on the needs of you and your family. The available types of plans include:
Discount Plans subscribers pay an enrollment fee and an annual or monthly fee for a discount card that allows them to seek unlimited dental care at a discounted rate. Fees and discounts vary widely between different plans, so be sure to familiarize yourself with each provider’s discounted rate for the procedures you expect to receive, as most plans require patients to pay the entire cost of service that isn’t covered by the discount. Discount plan providers in Arizona include Patriot, Careington International, and Aetna Dental.
Fee Schedule Plans
Fee Schedule Plans are a type of “fee-for-service” plan in which providers agree to cover a percentage of the cost of specific procedures. Providers list these percentages in a “fee schedule,” which is based on a combination of the average cost of dental care from dentists in the area and what the provider considers to be a reasonable fee. This is known as a UCR (Usual, Customary, Reasonable) fee, and it varies between providers. Fee schedule plans typically have lower premiums than PPO or indemnity plans, but also have calendar year maximums, and may have waiting periods for certain procedures. If you’re looking into a fee schedule plan, be sure to familiarize yourself with each provider’s fee schedule, and how often they update it. Arizona scheduled plan providers include Security Life Insurance Company Of America.
PPOs (Preferred Provider Organizations)
PPOs (Preferred Provider Organizations) assure subscribers of a maximum cost of treatment from dentists within the PPOs preferred network of dentists. Dentists within the network offer their services at a reduced rate in exchange for access to the network’s patient pool. The provider then covers a percentage of the cost, and the patient is responsible for what’s left over. PPO plans may not fully extend their coverage to dentists outside the network, and may require waiting periods for certain types of procedures. Each plan varies, so check the provider to see what restrictions they may require. PPO providers include Nationwide and HumanaOne.
Indemnity plans are also fee-for-service plans, and they typically offer the most freedom over the choice of dentist. Indemnity plans also use a fee schedule based on a UCR fee. Subscribers of indemnity plans may take on higher out-of-pocket payments since providers make reimbursements after receiving and reviewing the bill. Indemnity plans are the most common type of dental insurance plans available in Arizona. Providers include Transamerica (Encore), Security Life Insurance Company Of America, American National, and Nationwide.