Dental Insurance Plan Quotes – North Dakota
Get Free Quotes on Dental Insurance in ND
There are several different types of dental insurance plans available in North Dakota. 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 North Dakota 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 ND.
Types of Dental Plans Available in North Dakota
There are four different types of dental plans available in North Dakota. Plan types vary on the ways they provide coverage, as well as the amount of freedoms they provide relative to the price tag. No plan type is right for everyone, and choosing the best plan for you will depend on the needs of you and your family. The types of dental plans available in North Dakota include:
PPOs (Preferred Provider Organizations)
PPOs tend to make great all-around plans. PPO providers are able to guarantee a maximum cost of service from dentists within their network of preferred dentists, since these dentists agree to offer their services at a discounted rate for members of the PPO in order to gain access to a wider patient pool. Savings within the network may be extensive, but any services sought outside the network may be significantly more expensive. Also, PPOs may require waiting periods and calendar year maximums. Nationwide is a popular PPO provider in North Dakota.
Discount plans are unlike most dental insurance plans since they don’t make reimbursements or make any direct contact with the dentist after a patient receives care. Discount plans provide their subscribers with a discount card, which allows them to seek unlimited dental care at a discounted rate from participating dentists. These plans tend to be popular among patients who are dissatisfied with their current dental insurance coverage and need more freedom. Discounts do vary widely from plan to plan, and some may provide extensive coverage for basic procedures, but fall short on more complicated ones. Also, it’s important to note that because the dental insurance provider does not make reimbursements, patients are typically responsible for the entire discounted rate of service at the time of their visit. Discount plan providers in North Dakota include Careington International and Aetna Dental.
Indemnity plans are the most “traditional” types of dental insurance plans. They reimburse patients on a “fee-for-service” model, which means they agree to cover a certain percentage for specific procedures. The amounts they are willing to cover for each specific service is listed in the company’s “fee schedule,” which is subject to change at regular intervals. The fee schedule is based on a UCR (Usual, Customary, and Reasonable) index, which is essentially the average cost of care among dentists within the area. Indemnity plans tend to provide the most freedom in terms of choosing a dentist, since they reimburse services for all dentists. However, indemnity plans only make reimbursements after receiving and reviewing the patient’s bill, which means patients may be subject to higher out-of-pocket payments. Indemnity plan providers in North Dakota include American National, Security Life Insurance Company Of America, and Nationwide .
Fee Schedule Plan
Fee Schedule are a cross between PPOs and Indemnity plans. Like indemnity plans, they list the amount they are willing to cover for each procedure, and these amounts are based on a UCR index. However, while indemnity plans list these amounts as a percentage of the UCR index, fee schedule plans may list the dollar amount they are willing to cover for each procedure. For this reason, it is essential to check with your dentist to see what they charge for the services you plan to receive before choosing a scheduled plan. Scheduled plans may also work with a network of preferred dentists like a PPO, which may significantly reduce the cost of services. Fee schedule plans tend to have lower premiums than PPOs or indemnity plans, but they also have restrictions such as waiting periods or calendar year maximums. Security Life Insurance Company Of America is a popular fee schedule plan in North Dakota.