Dental Insurance – Maine
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Maine Dental Insurance
The different types of dental insurance in Maine are:
Maine dental discount plans offer immediate coverage and allow for unlimited use of services by using a Maine dental network and are based on a discounted fee schedule. The cost of a discount card is small compared to the potential savings an individual or family could gain from a discount card.
A Maine fee schedule works similar to a Maine PPO. Fee schedule plans provide reimbursement for a specific amount based on a fee schedule, with any balance due being the patient’s responsibility. In general, Maine fee schedule insurance plans have lower premiums than Maine PPO and indemnity plans. These plans provide co-insurance if patients go to in-network Maine dentists; out-of-network benefits are paid according to the fee schedule.
With a Maine PPO, individuals will receive dental care from a Maine dental network. Individuals select a Maine dentist from a network or listing of dental providers who have agreed by contract to reduce their fees. Typically, PPO dental plans have the largest network of Maine dentists. No specialist referrals are needed with PPOs and premiums are generally lower than those of Maine indemnity plans.
An indemnity plan offers individuals and families true freedom of choice. With a Maine indemnity plan, plan subscribers can visit any dentist. These plans pay a portion of the dentist’s fee, which is a percentage of the “usual, customary, and reasonable” charges for covered services. All Maine indemnity plans also require a deductible and have a waiting period before certain services are covered.