Dental Insurance Plan Quotes – Kentucky
Get Free Quotes on Dental Insurance in K
There are several different types of dental insurance plans available in Kentucky. 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 Kentucky 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 KY.
Types of Dental Plans Available in Kentucky
There are four different types of dental plans available in Kentucky, and each one offers a different set of services with a different type of payment plan. In order to choose the best plan for you or your family, it’s important to understand these differences and determine which type best suits your family’s needs. The types of dental insurance available in Kentucky include:
Indemnity plans are often called “traditional dental insurance” plans and operate on a fee-for-service model. Indemnity plan providers make reimbursements after receiving and reviewing a bill, and the reimbursement amount is dictated by a UCR (Usual, Customary, Reasonable) fee. Usual and reasonable amounts for services are determined by dentists, while the “customary” fee is determined by the provider. This UCR fee helps determine the percentage the provider is willing to pay for each service, and is listed in the provider’s “fee schedule.” The primary benefit of an indemnity plan is the freedom of choice in terms of dentists, though they may incur higher out-of-pocket fees for the patient. Check with the provider’s fee schedule, as well as their policy on how frequently the fee schedule is updated. Indemnity plan providers in Kentucky include Nationwide, Security Life Insurance Company Of America, and American National.
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 Kentucky include Patriot Health Inc., Careington International, and Aetna Dental .
PPOs (Preferred Provider Organizations)
PPOs work with a network of dentists who agree to offer their services at a reduced rate in order to receive a wider access to patients. Subscribers who receive care from dentists within the network are assured a maximum amount for service based on the types of procedures they seek, and premiums are generally lower than most indemnity plans. Check with each provider to see what types of restrictions there are for certain procedures and whether or not they require waiting periods for certain services. PPO providers in Kentucky include HumanaOne, and Nationwide .
Fee Schedule Plan
Fee Schedule are similar to indemnity plans in that they work on a fee-for-service model, and the provider also lists the amount they are willing to pay per service in the company’s “fee schedule.” The fee schedule is usually determined by a UCR (Usual, Customary, Reasonable) fee, which is basically the average cost of services from dentists within the area. The plan then either pays a certain dollar amount, or a percentage of each procedure, and the patient is responsible for the rest. Fee schedule plans usually have lower premiums than PPO or Indemnity plans, but also have calendar year maximums and waiting periods for certain services. Security Life Insurance Company Of America is a popular Fee Schedule provider in Kentucky.