Dental Insurance Plan Quotes – Pennsylvania
Get Free Quotes on Dental Insurance in PA
There are several different types of dental insurance plans available in Pennsylvania. 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 Pennsylvania 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 PA.
Types of Dental Plans in Pennsylvania
Pennsylvania has five different types of Dental Insurance available. Each one has its own set of benefits for different price points, and understanding the differences in coverage is essential to choosing a plan that’s right for you or your family. The five different types of insurance are:
- DHMOs (Dental Health Maintenance Organization)
- PPO (Preferred Provider Organization)
- Indemnity Plans
- Discount Dental Plans
Indemnity plans are also known as “traditional dental insurance” plans. Under an indemnity plan, subscribers have no restrictions on the dentist they choose. The plans pay a portion of the dentist fee, which is based on a fee schedule determined by a UCR (Usual, Customary, Reasonable) fee, which is agreed upon by the dentist and the provider. Indemnity plan providers make reimbursements after receiving and reviewing the bill, so patients may pay higher out-of-pocket costs. Be sure to familiarize yourself with the provider’s fee schedule, as well as their policy for updating the fee schedule. Indemnity plan providers in Pennsylvania include American National, Delta Dental, Nationwide and Ameritas.
Discount Plans are an attractive option for patients who have inadequate coverage. Subscribers receive a discount card that allows them to receive unlimited dental care at a discounted price. Patients are typically responsible for the entire price that is not covered by the discount at the time of the visit, so it’s important to be aware of the provider’s discount fee schedule. You should also make sure your preferred dentist accepts the plan. Pennsylvania has a wide range of discount plan providers, including Aetna Dental, Careington International, DentalSave, Dominion, and Patriot.
(*Discount plans are not insurance and are not intended to replace health insurance.)
PPOs (Preferred Provider Organizations)
PPOs (Preferred Provider Organizations) work with a network of dentists who have agreed to provide their services at a reduced rate for subscribers to the PPO in exchange for access to more patients. PPO providers cover a significant portion of approved procedures, so patients are assured of a maximum cost. PPO providers may have restrictions or higher co-pays for services outside of the approved network, so patients should be aware of the provider’s policy, as well as the amount they are willing to pay for approved services. PPO providers in Pennsylvania include Delta Dental, HumanaOne, Ameritas and Nationwide.
DHMOs (Dental Health Maintenance Organizations)
DHMOs (Dental Health Maintenance Organizations) are a type of “managed care plan” that have low premiums, no claim forms, and no calendar year maximums or deductibles. Subscribers receive care from a dentist within the network who is paid a fixed monthly rate in exchange for his services for free or at an extremely reduced rate. This is meant to incentivize the dentist to provide quality preventative care to avoid unnecessary procedures. DHMOs typically have a smaller network of dentists than PPOs and may not cover services from dentists outside the network, and may only cover certain procedures. Check with each provider to see what services are included in the plan, as well as how many dentists are available to the patient pool. Pennsylvania Dental Health Maintenance Organizations include Dominion and HumanaOne.