Dental Insurance Plan Quotes – Vermont
Get Free Quotes on Dental Insurance in VT
There are several different types of dental insurance plans available in Vermont. 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 Vermont 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 VT.
Types of Dental Plans Available in Vermont
Vermont dental insurance plans fall into two categories. These types of plans differ on their price tags, as well as the degrees of freedom in choosing a dentist and seeking dental health care without any waiting periods. Choosing the plan that’s right for you will depend on the needs of you and your family. The two main types of dental insurance in Vermont are:
PPOs (Preferred Provider Organizations)
PPOs tend to make great all-around plans. PPOs get their name from the network of approved dentists they work with. These dentists offer their services to PPO subscribers at a discounted rate in order to gain access to a wider patient pool, and this allows the PPO to guarantee a maximum cost of service for patients that seek dental care within the network. PPO subscribers may seek dental care outside the network as well, but coverage may be significantly more expensive. For this reason, it’s important to familiarize yourself with the size of the preferred dentist network as well as the provider’s policy on emergency care. PPOs may also include restrictions such as calendar-year maximums and waiting periods for certain procedures.
Indemnity plans are often considered “traditional” dental insurance plans. These plans cover services from all dentists, which means they tend to have the greatest freedom in choosing a dentist. Indemnity plans operate on a fee-for-service model, which means they provide coverage based on the types of procedures a patient seeks. These amounts are listed in the company’s “fee schedule,” which is based on a UCR index. UCR stands for “Usual, Customary, and Reasonable,” and is essentially a measure of the average cost of care among local dentists. It’s important to note that indemnity plans do not make reimbursements until after they receive and review a bill, which means providers may take on higher out-of-pocket payments. Ameritas is a well-known Vermont Indemnity Plan provider.