Dental Insurance Plan Quotes – Texas
Get Free Quotes on Dental Insurance in TX
If you’re looking to buy dental insurance or a discount dental plan in Texas, 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 Texas 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 TX dental insurance.
Types of Dental Plans in Texas
There are five different types of dental plans available in Texas, and each one offers a different set of services with a different type of payment plan. In order to choose the best plan for you or your family, it’s important to understand these differences and determine which type best suits your family’s needs. The types of dental insurance available in Texas include:
- DHMOs (Dental Health Maintenance Organization)
- PPO (Preferred Provider Organization)
- Indemnity Plans
- Dental Fee Schedule
- Discount Dental Plans
Discount Dental Plans:
Discount dental plans provide discounts on dental services in exchange for a monthly or annual payment. Patients receive a “discount card” that allows them to access unlimited services at a discount rate, usually determined by a discount fee schedule. The savings patients receive on dental services typically outweigh the annual payments, but most plans require that patients pay the entire discounted cost up front at the time of the visit. Check the discount fee schedule for each provider, as well as their terms for payment. The discount dental plans available in Texas include Aetna Dental, HumanaOne, Careington International, and Patriot Health.
PPOs (Preferred Provider Organizations)
PPOs (Preferred Provider Organizations) provide dental insurance plans that involve a group of dentists who agree to offer discount rates in exchange for greater access to patients and a streamlined reimbursement system. Under a PPO, patients are given a list of approved dentists and are assured a maximum cost of their treatment. PPOs may limit the types of services that are included in this maximum cost, so it’s important to check to see which services the provider includes in its approved list of procedures. Patients should also be aware of policies regarding emergency dental care. PPO providers in Texas include Compbenefits, Delta Dental, and HumanaOne.
Fee Schedule Plans
Fee Schedule Plans are similar to PPOs in that they provide discounted care from an approved list of dentists, but payment process is different. A “Fee Schedule” is essentially a price list for dental procedures under the plan. Patients are reimbursed for their dental care based on the provider’s list, and are responsible for any cost beyond the reimbursement amount listed in the fee schedule. Fee schedules are often based on a ceiling known as a UCR fee, which stands for “usual,” “customary” or “reasonable” fee. What is “usual” and “reasonable” is determined by a dentist, and “customary” is determined by the plan provider. If you’re looking into Fee Schedule plans, be sure to check how frequently the fee level is updated, and how these updates are communicated to patients. Fee Schedule plans available in Texas include Security Life Insurance Company Of America.
Indemnity Plans are sometimes called “traditional” dental insurance plans. Indemnity plan providers pay a percentage of the charges for a given dental procedure, and the percentage is determined by a UCR ceiling similar to a “Fee Schedule Plan.” Because these insurance providers make payments after receiving and reviewing a bill, patients usually make higher out-of-pocket payments than those under DHMOs, but have a much greater selection of dentists to choose from. If you’re looking into an indemnity dental insurance plan, make sure to be aware of how often the fee schedule changes and the percentage of the customary fee the plan provider is committed to paying. Indemnity plan providers in Texas include American National, Delta Dental and Nationwide.