Dental Insurance Plan Quotes – Iowa
Get Free Quotes on Dental Insurance in IA
If you’re looking to buy dental insurance or a discount dental plan in Iowa, 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 Iowa 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 IA dental insurance.
Types of Dental Plans Available in Iowa
Iowa has four major types of dental insurance plans to choose from. Each has their own merits, and no plan type is perfect for everyone. Be sure to learn the pros and cons of each plan type and compare them to the needs of you and your family before making a decision. The four types of dental insurance plans in Iowa include:
Indemnity plans are considered “traditional” insurance plans, operating on a fee-for-service model. Indemnity plan providers list the % they are willing to cover for each service in a fee schedule, which is based on a UCR fee. UCR stands for “Usual, Customary, and Reasonable,” and is essentially the average cost of service from dentists in the area. This helps the insurance company determine the fair amount of coverage for basic dental care. The main advantage of indemnity plans is that they provide the most freedom in terms of choosing a dentist. They can, however, lead to higher out-of-pocket payments for patients, since plan providers make reimbursements after receiving the bill. Indemnity plan providers in Iowa include Encore Dental, American National, and Security Life Insurance Company Of America.
Discount plans are an attractive option for patients who have inadequate coverage. Subscribers receive a discount card that allows them to receive unlimited dental care at a discounted price. Patients are typically responsible for the entire price that is not covered by the discount at the time of the visit, so it’s important to be aware of the provider’s discount fee schedule. You should also make sure your preferred dentist accepts the plan. The discount plan providers available in Iowa include Patriot Health Inc., Careington International, and Aetna Dental.
PPOs (Preferred Provider Organizations)
PPOs work within a network of dentists. These dentists agree to offer their services to PPO members at a discounted rate in order to gain access to a large patient pool, which allows the provider to guarantee a maximum cost of care within the network. Any dental care sought outside the network is generally subject to a fee schedule that may be significantly more expensive than in-network care. PPOs may also require waiting periods for certain procedures, so be sure to check with each provider’s policy on emergency care. HumanaOne and Nationwide are two popular Iowa dental PPO providers.
Fee Schedule Plan
Fee Schedule are similar to indemnity plans in that they operate on a fee-for-service model, but they may also work within a network like a PPO. Like indemnity plans, fee schedule plan providers list the amounts they are willing to cover in their UCR-based fee schedule, but this may be listed as a dollar amount as opposed to a percentage. These plans tend to have lower premiums than PPO or Indemnity plans, but they may also have greater restrictions like waiting periods for certain procedures and calendar year maximums. Security Life Insurance Company Of America is a major Fee Schedule Plan provider in Iowa.