Dental Insurance Plan Quotes – Wyoming
Get Free Quotes on Dental Insurance in WY
There are several different types of dental insurance plans available in Wyoming. 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 Wyoming 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 WY.
Types of Dental Plans Available in Wyoming
There are four different types of dental insurance plans in Wyoming, and no plan type is perfect for everyone. Some may have a relatively low up-front cost, while others provide a great deal of freedom in terms of choosing a dentist and receiving care without restrictions. Understanding these differences as well as the needs of you and your family is essential to choosing the right plan. The types of plans available in Wyoming are:
PPOs (Preferred Provider Organizations)
PPOs get their name from the network of preferred dentists they work with. Dentists within the network agree to provide their services at a discounted rate to PPO subscribers in order to gain access to a wider patient pool. This allows the PPO to guarantee a maximum cost of service from dentists within the network. PPOs usually cover services from dentists outside of the network as well, but coverage may be much more limited. PPOs are a good all-around plan, but keep in mind that most PPOs require deductibles and calendar year maximums. PPO plan providers in Wyoming include HumanaOne, Security Life Insurance Company Of America, and Nationwide .
Indemnity plans provide coverage through a fee-for-service model, which is considered a “traditional” dental insurance model. These plans give the most freedom in terms of choosing a dentist, as they cover services from all dentists. The amount of coverage for specific procedures is determined based on a UCR index, which stands for Usual, Customary, and Reasonable. This index is essentially the average cost of services from nearby dentists, but each provider will have its own UCR index. The provider then lists the amount it is willing to cover for specific services in its “fee schedule,” which is usually listed as percentages. Indemnity plans typically offer plenty of coverage, but they may lead to higher out-of-pocket payments, since providers make reimbursements after receiving and reviewing the bill. Indemnity plan providers in Wyoming include Security Life Insurance Company Of America, Nationwide, and American National.
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 Wyoming include Patriot Health Inc., Careington International, and Aetna Dental.
(*Discount plans are not insurance and are not intended to replace health insurance.)
Fee Schedule Plan
Fee Schedule are similar to indemnity plans in that they operate on a fee-for-service model, but they may also work within a network like a PPO. Like indemnity plans, fee schedule plan providers list the amounts they are willing to cover in their UCR-based fee schedule, but this may be listed as a dollar amount as opposed to a percentage. These plans tend to have lower premiums than PPO or Indemnity plans, but they may also have greater restrictions like waiting periods for certain procedures and calendar year maximums Security Life Insurance Company Of America is a major Fee Schedule Plan provider in Wyoming.