Dental Insurance Plan Quotes – Indiana
Get Free Quotes on Dental Insurance in IN
There are several different types of dental insurance plans available in Indiana. 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 Indiana 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 IN.
Types of Dental Plans Available in Indiana
There are five different types of dental plans available in Indiana. Some providers may offer different plan types, and each type of plan has its pros and cons. Understanding the differences between plan types and your family’s needs is the first step toward picking a plan that’s right for you. The plans available in Indiana include:
- Discount plans
- DHMOs (Dental Health Maintenance Organization)
- Indemnity plans
- PPOs (Preferred Provider Organization)
- Fee schedule
Discount plan 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 dentists require patients to pay the entire cost of service that isn’t covered by the discount at the time of their visit. Discount plan providers in Indiana include Patriot Health Inc., Careington International, and Aetna Dental.
DHMOs (Dental Health Maintenance Organizations)
DHMOs (Dental Health Maintenance Organizations) are a type of “managed care” insurance plan. Dentists in DHMOs receive a fixed monthly rate in exchange for providing a set of services for free or at an extremely discounted rate. The plans are designed to incentivize dentists to provide quality preventative dental health in order to avoid expensive and unnecessary procedures. DHMOs are usually the most affordable type of dental insurance plan, but they can be limited in terms of choice patients have for dentists, and may require higher co-payments for services not included in the plan. Be sure to check which dentists are available in your area, as well as the services covered by the DHMO. HumanaOne is an Indiana DHMO provider.
Indemnity plans are a type of “fee-for-service” plan, in which providers agree to cover a certain percentage of a UCR (Usual, Customary, Reasonable) fee. The UCR fee is essentially the average cost of dental care provided by dentists within the area. Indemnity plans may require higher out-of-pocket payments since they make reimbursements after receiving and reviewing a bill, but generally cover a significant portion of the cost of dental services. They also allow you to seek care from any dentist you wish, without having to work within a network. Be sure to familiarize yourself with each provider’s fee schedule if you’re shopping for indemnity plans, as well as how often they update their fee schedule. Indemnity plan providers in Indiana include Encore Dental, and American National.
PPOs (Preferred Provider Organizations)
PPOs provide subscribers with a network of dentists within their area. These dentists agree to offer their services at a reduced rate for subscribers in the network in order to receive access to a wider patient pool, which allows the insurance provider to guarantee the maximum cost of service for their patients. The provider covers a certain percentage of the discounted service, and the patient is responsible for the remaining cost. These networks are very extensive, but they may require waiting periods for certain types of procedures. Coverage for dentists outside of the network may be significantly more expensive, so check the provider’s policy for emergency care. PPO providers in Indiana include HumanaOne and Nationwide .
Fee Schedule Plan
Fee Schedule Plans are a cross between PPO and indemnity plans. They typically work within a network of approved dentists, and cover a certain percentage of the cost for specific procedures listed in their fee schedule, which is also based on UCR fees. They tend to have lower premiums than both PPO and indemnity plans, but also has a maximum on the amount of coverage provided per calendar year. Fee schedule plan providers in Indiana include Security Life Insurance Company Of America.