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Dental Insurance Plan Quotes – Kansas

Get Free Quotes on Dental Insurance in KS

Trying to find affordable dental insurance in Kansas requires some research, and DentalInsurance.com makes it easy by providing free rate quotes and information so you can easily compare dental insurance and discount dental plan providers side by side. To find out which dental insurance plans are available in Kansas, enter your zip code above to start your free online rate quote. Before you begin though, it’s important to understand what the differences are between the various types of dental plans in KS.

Types of Dental Plans Available in Kansas

There are four different types of dental plans available in Kentucky. Each has there pros and cons, and no type of plan is perfect for everyone. Finding the perfect plan will depend on the types of procedures you believe you will require, the amount of freedom you’d like in terms of choosing a dentist or not worrying about waiting periods, and the amount you are willing to pay. The four types of dental insurance plans in Kansas are:

PPOs (Preferred Provider Organizations)

PPOs work with a network of preferred dentists and guarantee a maximum cost of care from dentists within the network. These dentists agree to provide their services to subscribers of the PPO at a discounted rate in order to receive access to more patients, so all parties benefit from the relationship. PPOs are a good all-around type of plan that typically offer comprehensive coverage, and the networks of approved dentists tend to be very large, which gives subscribers a wide range of dentists to choose from. Most plans have calendar-year maximums though, and coverage for services from dentists outside of the network may be considerably more expensive. So be sure to check with the provider’s policy on seeking emergency care. PPO providers in Kansas include HumanaOne, and Nationwide.

Indemnity Plans

Indemnity plans operate on a traditional fee-for-service model, which means they cover a certain percentages of the amount of specific procedures. These percentages are determined by a UCR index. UCR stands for Usual, Customary, and Reasonable, and is essentially a measurement of the average cost of services from nearby dentists. This allows the insurance company to determine a fair amount of coverage. These plans offer the most freedom in terms of choosing a dentist, as they cover services form nearly all dentists. They may lead to higher out-of-pocked payments though, since indemnity plan providers make reimbursements only after receiving and reviewing a bill. Indemnity plan providers in Kansas include Encore Dental, American National, and Security Life Insurance Company Of America.

Discount Plans

Discount plans are unlike most dental insurance plans in that they don’t make reimbursements or interact with the dentist directly at all. Instead, subscribers pay an annual or monthly fee in exchange for a “discount card,” which allows them to seek unlimited dental care at a discounted rate from participating dentists. These plans are typically attractive to patients who are unsatisfied with their current dental insurance coverage and are tired of being held down by maximums and deductibles. Discount dental plans vary widely by plan and provider in terms of the cost of membership and the amount of coverage the discount provides for certain services. Also, keep in mind that because discount plan providers don’t make reimbursements, patients are typically responsible for the entire discounted rate of service at the time of their visit. Discount plan providers in Kansas include Patriot Health Inc., Careington International, and Aetna Dental.

Fee Schedule Plan

Fee Schedule are similar to indemnity plans in that they cover a specific amount for specific procedures based on UCR fees, but sometimes list the amount they cover in terms of dollar amount as opposed to a percentage. They may also work with a network of approved dentists like a PPO. Fee schedule plans typically have lower premiums than indemnity plans or PPOs, but 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 provider in Kansas.