Dental Insurance Plan Quotes – West Virginia
Get Free Quotes on Dental Insurance in WV
If you’re looking to buy dental insurance or a discount dental plan in West Virginia, 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 West Virginia 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 WV dental insurance.
Types of Dental Plans Available in West Virginia
Nevada has four different types of available dental insurance plans. Plans differ on how the insurance company is able to provide savings on dental services, and each type of plan has its pros and cons. Before choosing a plan, it’s important to not only understand how much the plan costs on the surface, but also the types of savings they will provide for the services you need. The four types of available dental insurance plans in West Virginia include:
PPOs (Preferred Provider Organizations)
PPOs work with a network of dentists who agree to provide their services to plan subscribers at a discounted rate. This discounted rate allows insurance providers to guarantee a maximum cost of service from dentists within that network. Subscribers can also seek dental care from dentists outside of the network, but coverage is typically significantly more expensive. Check with each provider to find out their policies on seeking care outside of the network, or during emergencies. PPOs may also require waiting periods for certain procedures, and also have calendar-year maximums. Some of the most popular PPO providers in West Virginia include American National, HumanaOne, Delta Dental, and Nationwide.
Indemnity plans use a traditional fee-for-service model, in which the insurance provider agrees to cover a certain percentage of the cost of individual procedures. The amount the provider is willing to pay for each procedure is listed in their “fee schedule” which is determined by a UCR (Usual, Customary and Reasonable) Fee. The UCR fee is essentially the average cost of care from participating dentists, and helps the insurance company determine fair amounts for coverage. One of the greatest advantages of an indemnity plan is that they can be used at nearly any dentist. Indemnity plans typically pay reimbursements after receiving the bill, which may lead to higher out-of-pocket payments. Indemnity Plan providers in West Virginia include Delta Dental, Security Life Insurance Company Of America & Nationwide .
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. The discount plan providers available in West Virginia include Patriot Health Inc., Careington International, and Aetna Dental .
Fee Schedule Plan
Fee Schedule may operate through a network like a PPO and work on a fee for service model like an indemnity plan, but typically require lower premiums. Fee schedule plans reimburse a certain amount for specific procedures, with the amount listed in a provider’s “fee schedule.” Many fee schedule plans come with a calendar year maximum, so be sure to check each provider’s conditions, along with familiarizing yourself with the provider’s fee schedule. Security Life Insurance Company Of America offer fee schedule plans in West Virginia.