Dental Insurance Plan Quotes – Delaware
Get Free Quotes on Dental Insurance in DE
If you’re looking to buy dental insurance or a discount dental plan in Delaware, you have several different dental care coverage plans to choose from. At DentalInsurance.com it is free and easy to compare rate quotes from several different dental plan providers in Delaware to help you choose an affordable dental plan that best covers your individual or family’s needs. Simply enter your zip code above to compare free rate quotes on the plans available in your area, and make sure you understand what the differences are between the various types of DE dental insurance.
Types of Dental Plans Available in Delaware
There are five different types of dental plans available in Delaware. These plans vary in the way they provide coverage to their subscribers, how they interact with dentists, and the amount of freedom they offer in terms of choosing a dentists and restrictions on certain procedures. Finding the right type of plan for you will depend on the needs of you and your family. The types of available dental insurance plans in Delaware include:
- DHMOs (Dental Health Maintenance Organization)
- PPOs (Preferred Provider Organization)
- Indemnity plans
- Fee schedule
- Discount plans
DHMOs (Dental Health Maintenance Organizations)
DHMOs are what’s known as a “managed care plan.” DHMOs pay their dentists a fixed monthly rate, and the dentists in turn agree to offer their services to the DMO subscribers for free. Patients are then responsible for the co-pay at the time of the visit. DHMOs tend to be the most affordable types of plans, but they can be restrictive in terms of the availability of their dentists, and the coverage for certain procedures. Check to see how large the patient to dentist ratio is for each DHMO, as well as any waiting periods they may require for certain procedures. Dominion Dental Services is a popular DHMO provider in Delaware.
PPOs (Preferred Provider Organizations)
PPOs also work with approved dentists, but the relationship is a lot different than DHMOs. In a PPO, dentists within the network agree to offer their services at a discounted rate for PPO providers in order to gain access to a wider patient pool. This allows the provider to guarantee a maximum cost of service from dentists within the network. PPOs may also provide coverage for dentists outside of the network, but it may be significantly more expensive for the patient. PPOs make for good all-around plans, but they also require restrictions such as calendar year maximums, and may require waiting periods for certain procedures. PPO providers in Delaware include HumanaOne, Delta Dental, and Nationwide.
Indemnity plans are the most “traditional” of dental insurance plans. These operate on a fee-for-service model, which means they agree to cover a certain percentage of specific procedures based on a UCR index. UCR stands for (Usual, Customary, and Reasonable), and is essentially a measure of the average cost of care among dentists within the area. Indemnity plans offer the greatest amount of freedom in terms of choosing a dentist, as they reimburse coverage at nearly all dentists. Their coverage is typically very extensive, though because providers only make reimbursements after reviewing and receiving the bill, patients may be subject to higher out-of-pocket payments. Indemnity plan providers in Delaware include Delta Dental, American National, and Security Life Insurance Company Of America.
Fee Schedule Plan
Fee Schedule are similar to indemnity plans in that they agree to cover a specific amount for certain procedures, but they may also work with a network of approved dentists like a PPO. Like indemnity plans, they also list the amounts they are willing to cover in a UCR-based fee schedule, but the fee schedule may list the dollar amount they are willing to cover as opposed to a percentage. For this reason, it’s important to familiarize yourself with the company’s fee schedule and compare it to the cost of care from your preferred dentist. Fee schedule plans tend to have lower premiums than PPOs and indemnity plans, but they may have more restrictions in terms of calendar year maximums and waiting periods for certain procedures. Security Life Insurance Company Of America is a popular fee schedule plan in Delaware.
Discount plans are unlike a lot of other types of dental insurance plans in that they don’t make reimbursements or interact with patients’ bills directly. Instead, subscribers of a discount plan receive a discount card that allows them to seek unlimited dental care form participating dentists at a discounted rate. Discounts vary between different plans and providers, and some may offer extensive care for basic services and may offer limited coverage for more advance procedures. Also, because dental plans don’t make reimbursements, patients are typically responsible for the entire discounted rate of service at the time of their visit. Discount dental plan providers in Delaware include Dominion Dental Services, Patriot Health Inc., Careington International, and Aetna Dental.