Dental Insurance Plan Quotes – South Dakota
Get Free Quotes on Dental Insurance in SD
There are several different types of dental insurance plans available in South 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 South 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 SD.
Types of Dental Plans Available in South Dakota
There are two major types of dental plans available in South Dakota. No plan type is perfect for everyone. Choosing the type of plan that’s right for you will depend on the needs of you and your family, your financial situation, and the degree of freedom you’re looking for in terms of choosing a dentist or receiving services without a waiting period. The two types of dental insurance plans in South Dakota are:
Discount plans are unlike most dental insurance plans in that they don’t make reimbursements or interact with the dentist directly at all. Instead, subscribers pay an annual or monthly fee in exchange for a “discount card,” which allows them to seek unlimited dental care at a discounted rate from participating dentists. These plans are typically attractive to patients who are unsatisfied with their current dental insurance coverage and are tired of being held down by maximums and deductibles. Discount dental plans vary widely by plan and provider in terms of the cost of membership and the amount of coverage the discount provides for certain services. Also, keep in mind that because discount plan providers don’t make reimbursements, patients are typically responsible for the entire discounted rate of service at the time of their visit. Discount plan providers in South Dakota include Careington International, and Aetna Dental.
(*Discount plans are not insurance and are not intended to replace health insurance.)
PPOs (Preferred Provider Organizations)
PPOs guarantee a maximum cost of services when they are received from an approved dentist within their network. These dentists agree to provide services to the PPO provider in order to receive access to the PPOs patient pool, creating a relationship where all parties benefit. PPOs make for good all-around plans, though they may require waiting periods for certain procedures and have calendar year maximums. They may provide coverage for dental services outside of the network, but this may be significantly less, which may create difficulties seeking emergency care. Check with each provider to see what their policy on emergency care is. PPO providers in South Dakota include Ameritas and HumanaOne.