Dental Insurance Plan Quotes – Missouri
Get Free Quotes on Dental Insurance in MO
There are several different types of dental insurance plans available in Missouri. 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 Missouri 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 MO.
Types of Dental Plans Available in Missouri
There are five different types of plans available in Missouri. The plan types differ by payment type, access to dentists, and level of coverage. Each has its own pros and cons, and there is no perfect plan type that works for everyone. The types of dental plans available in Missouri include:
- Discount plans
- DHMOs (Dental Health Maintenance Organization)
- Fee schedule
- PPOs (Preferred Provider Organization)
- Indemnity plans
Indemnity plans are also known as “Traditional Dental Insurance,” and they work on a fee-for-service model. This means that the provider covers a percentage of the cost of each procedure, and the amount they cover is listed in the company’s “fee schedule.” Indemnity plans may incur higher out-of-pocket costs depending on the procedure, but they typically cover a significant portion, if not the entire cost of basic services like cleanings. Indemnity plans also offer the greatest freedom in terms of choosing a dentist. Indemnity plan providers in Missouri include Encore Dental , Security Life Insurance Company Of America , American National , and Nationwide .
Discount plans are different than most dental insurance plans. Patients pay a monthly or annual fee in exchange for a “discount card,” which allows them to seek unlimited care at a discount rate from participating dentists. The cost of membership is typically outweighed by the savings from the discounted rate. Discount plans vary widely by provider though, so be sure to familiarize yourself with all the available plans. Discount plan providers in Missouri include Patriot Health Inc. , Careington International , Aetna Dental , and HumanaOne.
Fee Schedule Plan
Fee Schedule Plans 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. Fee schedule plans in Missouri include Security Life Insurance Company Of America.
PPOs (Preferred Provider Organizations)
PPOs (Preferred Provider Organization) guarantee a maximum cost of care from dentists within their network. The dentist networks are usually extensive, and are made up of dentists who have agreed to offer their services to patients within the PPO at a discounted rate to gain access to the patient pool. Services from patients outside of the network are generally subject to a UCR fee, and may be significantly more expensive than services from within the network. Check with each provider to see their policies on emergency care, as well as any waiting periods they may require for certain services. PPO providers include HumanaOne and Nationwide .
DHMOs (Dental Health Maintenance Organizations
DHMOs (Dental Health Maintenance Organizations) are sometimes known as “managed care” or “pre-paid” plans. DHMO’s pay their dentists a fixed monthly rate in exchange for providing their services for free to patients within the DHMO. Patients are only responsible for the co-pay at the time of the visit. DHMOs may not cover services form dentists outside of their network, so check with each provider to see what their patient to dentist ratio is within their network. HumanaOne is an example of a Missouri DHMO provider.