Dental Insurance Plan Quotes – Ohio
Get Free Quotes on Dental Insurance in OH
If you’re looking to buy dental insurance or a discount dental plan in Ohio, 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 Ohio 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 OH dental insurance.
Types of Dental Plans in Ohio
Choosing the right type of dental insurance plan will depend on the type of dental health services you and your family require, how often you plan to receive treatment, and your ideal price range. Ohio has up to five different types of plans to choose from depending on your area, and each has its own payment process and range of services they cover. The types of plans include:
- DHMOs (Dental Health Maintenance Organization)
- PPO (Preferred Provider Organization)
- Indemnity Plans
- Dental Fee Schedule
- Discount Dental Plans
DHMOs (Dental Health Maintenance Organizations)
DHMOs (Dental Health Maintenance Organizations) operate on a “managed care” plan, in which highly qualified dentists are paid a flat rate to provide their services for free or at an extremely reduced rate for members within the plan. Patients are responsible for a co-pay with each visit, but there are no premiums, waiting periods, or calendar-year maximums. These plans are typically lower in cost than other types of plans, but tend to have more restrictions in terms of the choice and availability of dentists. Check to see how many dentists are servicing the patient pool. HumanaOne is the only Ohio DHMO provider.
Discount Plans offer unlimited dental service at a discounted rate, and may be an attractive option for patients who have inadequate dental coverage. If you’re looking into a discount plan, check with each provider’s discount fee schedule to see how much they are willing to cover for each type of service, as patients are typically responsible for any charges not covered by the discount at the time of the visit. Discount plan providers in Ohio include Patriot, Careington International, and Aetna Dental.
Fee Schedule Plans
Fee Schedule Plans plans operate through a fee schedule similar to discount plans. This fee schedule is determined by a UCR (Usual, Customary, Reasonable) fee, which determines the cost of dental procedures based on agreements between the dentist and the insurance provider. They typically have lower premiums than most plans, but also come with a maximum amount of coverage per calendar year. Patients shopping for fee schedule plans should familiarize themselves with the provider’s fee schedule, as well as any waiting periods they may require for certain services. Fee schedule plans in Ohio include Security Life Insurance Company Of America.
Indemnity plans work through a “fee for service” model, and are sometimes called “traditional dental insurance” plans. Indemnity plan providers also use a fee schedule, which is subject t UCR fees, and reimbursements are typically made after receiving and reviewing the bill. This may require patients to pay higher out-of-pocket costs, but they offer the greatest freedom when it comes to choosing a preferred dentist. Check with each provider to see how often they update their fee schedule, as well as their policies on waiting periods for certain services. Indemnity plan providers in Ohio include Nationwide, Security Life Insurance Company Of America, and American National.
PPOs (Preferred Provider Organizations)
PPOs (Preferred Provider Organizations) work with a network of dentists who agree to offer their services at a reduced rate in order to receive a wider access to patients. Subscribers who receive care from dentists within the network are assured a maximum amount for service based on the types of procedures they seek, and premiums are generally lower than most indemnity plans. Check with each provider to see what types of restrictions there are for certain procedures and whether or not they require waiting periods for certain services. PPO providers in Ohio include HumanaOne and Nationwide.