Dental Insurance Plan Quotes – Montana
Get Free Quotes on Dental Insurance in MT
If you’re looking to buy dental insurance or a discount dental plan in Montana, 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 Montana 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 MT dental insurance.
Types of Dental Plans Available in Montana
Different types of dental insurance plans vary in the way they provide coverage and the amount of freedom they allow in relation to the price tag. Choosing the type of plan that’s right for you will depend on the needs of you and your family. The dental insurance in Montana falls into two major categories:
Indemnity Plans are known as “traditional” dental insurance plans. These plans offer the greatest freedom in terms of choosing a preferred dentist, as they reimburse dental services everywhere. Indemnity plans operate on a “fee-for-service” model, which means they agree to cover a certain percentage of each specific procedure. The amounts they are willing to cover for each procedure is listed in the company’s “fee schedule,” and these amounts are determined by a UCR index. UCR stands for “Usual, Customary, and Reasonable,” and it is a measure of the average cost of services from nearby dentists. The coverage for these plans are typically very extensive, but keep in mind that because indemnity plans only reimburse patients after receiving and reviewing their bills, subscribers may incur higher out-of-pocket payments. Popular indemnity plan providers in Montana include Ameritas and Delta Dental.
PPOs (Preferred Provider Organizations)
PPOs (Preferred Provider Organizations) get there name from the preferred network of dentists they work with. Dentists within the PPO’s network agree to provide their services to subscribers of the PPO at a discounted rate in order to gain access to the PPO’s patient pool, and this allows the PPO to guarantee a maximum cost of care for dentists within the network. PPOs also cover dental health services outside their preferred network, but coverage may be significantly more expensive. Be sure to check each company’s emergency care policy. PPOs make great all-around plans, but they may have restrictions such as calendar year maximums or waiting periods for certain procedures. Delta Dental is a PPO provider in Montana.