Dental Insurance Plan Quotes – Oklahoma
Get Free Quotes on Dental Insurance in OK
Trying to find affordable dental insurance in Oklahoma requires some research, and DentalInsurance.com makes it easy by providing free rate quotes and information so you can easily compare dental insurance and discount dental plan providers side by side. To find out which dental insurance plans are available in Oklahoma, enter your zip code above to start your free online rate quote. Before you begin though, it’s important to understand what the differences are between the various types of dental plans in OK.
Types of Dental Plans Available in Oklahoma
There are four different types of dental insurance plans to choose from in Oklahoma. Plans will vary among different providers, but plans of the same type will follow the same basic payment structure. Each type of plan has its benefits and restrictions, and understanding how they cater to you and your family’s needs is essential to finding an affordable plan that covers your needs. The types of plans available in Oklahoma are:
PPOs (Preferred Provider Organizations)
PPOs work with a network of approved dentists who have agreed to offer their services to plan subscribers at a reduced rate. The provider then agrees to cover a significant percentage of the reduced rate, leaving the patient responsible for the remaining cost. PPOs usually require deductibles, and may have waiting periods for certain services. Coverage is also typically more expensive for dental care outside of the preferred network. Check with each to see their specific policies. HumanaOne and Nationwide are two popular PPO providers in Oklahoma.
Indemnity plans are a type of “fee-for-service” plan, in which providers agree to cover a certain percentage of a UCR (Usual, Customary, Reasonable) fee. The UCR fee is essentially the average cost of dental care provided by dentists within the area. Indemnity plans may require higher out-of-pocket payments since they make reimbursements after receiving and reviewing a bill, but generally cover a significant portion of the cost of dental services. They also allow you to seek care from any dentist you wish, without having to work within a network. Be sure to familiarize yourself with each provider’s fee schedule if you’re shopping for indemnity plans, as well as how often they update their fee schedule. Indemnity plan providers in Oklahoma include Security Life Insurance Company Of America and Nationwide .
Fee Schedule Plan
Fee Schedule may operate through a network like a PPO and work on a fee for service model like an indemnity plan, but typically require lower premiums. Fee schedule plans reimburse a certain amount for specific procedures, with the amount listed in a provider’s “fee schedule.” Many fee schedule plans come with a calendar year maximum, so be sure to check each provider’s conditions, along with familiarizing yourself with the provider’s fee schedule. Security Life Insurance Company Of America offer fee schedule plans in Oklahoma.
Discount plans offer unlimited dental service from participating dentists 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. If you have a preferred dentist, you should also check to make sure they accept the plan. Discount plan providers in Oklahoma include Patriot Health Inc., Careington International, and Aetna Dental.