Dental Insurance Plan Quotes – South Carolina
Get Free Quotes on Dental Insurance in SC
Trying to find affordable dental insurance in South Carolina 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 South Carolina, 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 SC.
Types of Dental Plans Available in South Carolina
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. South Carolina has up to four 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
Discount dental 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 rates to see how much the plan covers for each procedure, as patients are typically responsible for any charges not covered by the discount at the time of the visit. Discount plan providers in South Carolina include Patriot Health Inc., Careington International, & Aetna Dental.
(*Discount plans are not insurance and are not intended to replace health insurance.)
Indemnity plans typically offer the most freedom in terms of choosing a dentist, though they may require higher out-of-pocket costs for the patient. Indemnity plans send reimbursements only after receiving and reviewing the bill, and provide reimbursements based on a “fee schedule.” Fee schedules list the percentage of charges that are covered for each procedure, and are subject to a ceiling known as a UCR (Usual, Customary, and Reasonable) fee, which is determined by the dentist and the insurance provider. Patients shopping for indemnity plans should familiarize themselves with each provider’s fee schedule, as well as their policy on how frequently they update their fee schedule. American National is an indemnity plan provider in South Carolina.
PPOs (Preferred Provider Organizations)
PPOs 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 South Carolina include Delta Dental, HumanaOne, Ameritas, and Nationwide.