Dental Insurance Plan Quotes – Michigan
Get Free Quotes on Dental Insurance in MI
There are several different types of dental insurance plans available in Michigan. 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 Michigan 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 MI.
Types of Dental Plans in Michigan
There are four different types of dental plans available in Michigan, and each has its own unique value depending on you and your family’s needs. Understanding the differences between these plans is the first step to finding an affordable dental insurance plan that’s right for you. The four types of dental plans available in Michigan are:
Discount Plans are generally preferred by patients who have inadequate dental health coverage. Subscribers are given a discount card, which allows them to seek unlimited dental insurance coverage at a discounted rate. The discounted rates usually vary by service, and most dentists require that all costs which are not covered by the discount plan be paid upfront at the time of visit. Be sure to check with the provider’s discounted fee schedule, and whether or not your preferred dentist takes accepts your insurance’s plan. Discount plan providers in Michigan include Patriot, Careington International, and Aetna Dental.
Indemnity plans are often called “traditional dental insurance” 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. Dentists determine usual and reasonable amounts for services, while the provider determines the “customary” fee. 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 Michigan include Transamerica (Encore), Security Life Insurance Company Of America, and American National.
PPOs (Preferred Provider Organizations)
PPOs (Preferred Provider Organizations) work within a network of approved dentists, who have agreed to offer their services at a reduced cost for subscribers to the provider’s plan in exchange for a wider patient pool. Subscribers are then guaranteed a maximum cost of services within the network. Subscribers are also allowed to seek dental care outside the network, but claim allowance is based on UCR charges for 9 out of 10 dentists in the area where dental services were performed. PPOs also have a calendar year maximum on coverage, deductibles, and may have waiting periods on certain procedures. HumanaOne and Nationwide are two Michigan PPO providers.
Fee Schedule Plans
Fee Schedule Plans plans are similar to indemnity plans, but usually work within a network. Like an indemnity plan, reimbursement amounts are based on a fee schedule based on UCR fees. These plans usually have lower premiums than indemnity plans or PPOs, but typically have a calendar year maximum and waiting periods on certain procedures. The fee schedule plan providers available in Michigan include Security Life Insurance Company Of America.