Dental Insurance Plan Quotes – Louisiana
Get Free Quotes on Dental Insurance in LA
If you’re looking to buy dental insurance or a discount dental plan in Louisiana, 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 Louisiana 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 LA dental insurance.
Types of Dental Plans Available in Louisiana
There are four different types of dental plans available in Louisiana, and no particular type is right for everyone. Understanding you or your families’ needs is essential to choosing the right plan, as some plans may have a tempting price tag without adequate coverage of vital procedures. The types of dental insurance available in Louisiana include:
Discount plans charge a monthly or annual fee for a discount card that will allow patients to receive dental care at a discount rate without caps or waiting periods. Savings from the discount typically outweigh the membership fees, though patients usually have to pay the entire discounted rate at the time of service. Be sure to check each provider’s discounted rate, and also check with your preferred dentist to see how they handle payments from discount plans. The discount dental plan providers in Louisiana include Patriot Health Inc., Careington International, & Aetna Dental.
PPOs (Preferred Provider Organizations)
PPOs work with a network of dentists who offer their services at a discounted rate for subscribers to the PPO. This allows the provider to guarantee cost for procedures for its subscribers. Patients are able to choose from a list of preferred dentists, and may seek care from outside the network , but typically at a higher rate. If you’re considering a dental PPO, be sure to see how specific procedures are covered, as well as their policy for covering dental health care outside the preferred network. The PPO providers available in Louisiana include Nationwide, HumanaOne, and Delta Dental.
Fee Schedule Plan
Fee Schedule Plans usually work with a network like a PPO, but typically charge lower premiums. Reimbursement amounts are based on the provider’s “fee schedule,” which lists the amount the provider is willing to cover for each procedure. This fee schedule is based on UCR (Usual, Customary, Reasonable) fees, which are essentially the average costs of services from dentists within the area . Though these plans usually have lower premiums than indemnity plans or PPOs, they typically have a calendar year maximum and waiting periods on certain procedures. The fee schedule plan providers available in Louisiana include Security Life Insurance Company Of America.
Indemnity plans are often called “traditional dental insurance” plans, and use a fee-for-service model. Indemnity plan providers make reimbursements after receiving and reviewing a bill, and the reimbursement amount is also listed in a “fee schedule” determined 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. The primary benefit of an indemnity plan is the freedom of choice in terms of dentists, though reimbursements made after the bill is received may mean 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 Louisiana include American National, Security Life Insurance Company Of America, Encore Dental, Nationwide, & Delta Dental.