Dental insurance is a tool which offers a payment from third party on behalf of the patient against certain premiums. There are several dental insurance providers in Nevada who offer different useful insurance plans with number of benefits. Basically individual, family and group dental insurance policies are purchased by the users depending on their requirements . Well known dentists and hospitals participate in these dental insurance plans to render their valuable consultation, assistance and treatment at very reasonable rates.
Insurance plans works in similar way in most of the States. Nevada dental plans offer comprehensive services to the patients and claim procedures are also simple, smooth and hassle free. In fee based services one has to bear all the bills on the first hand and then he needs to present all the bills and supportive documents to the insurance provider. The insurer then reviews and analyses them to give the reimbursements in the permitted limits. On the contrary in managed care plans the insurer has a network of participating dentists and hospitals, patients can take the treatment from any of them. Here monthly or yearly payment is taken in advance for the services.
There are different dental insurance plans available as under:
Preferred Provider Organization Plan:In PPO plans there is a pool of participating dentists and hospitals who agree to give their services. They get a fix payment from the insurance provider and the customer pays a very little premium to receive these services. Here cost incurred to the patient gets reduced and service range gets increased .Starting from basic filling to severe root canal therapy and surgeries are covered under one roof.
Indemnity Plan:As the name suggests here usually the insurance company does not offer cash less or copayment options. Patient can use the treatments from in network dentist and hospitals and out of the network dentists also. In both the cases customer pays the bills then claims for the reimbursement. But if other network services are being used the plan covers only given limit and surplus expenses if any are borne by the patient only. It is calculated on the basis of UCR index that signifies usual, customary and reasonable and includes the cost that is agreed upon between the dentist and the insurance service provider.
Discount Dental Plan:Patients who do not have sufficient insurance cover can opt for the Discount Dental Plan where they need to pay a little premium on monthly or any specified predefined periods and all the services can be availed. In such plans services and their limits are predefined. One has to check beforehand about the waiting periods, dentists profile and ease of getting the claims etc. to avoid any problems afterward.
Vision Dental Plan:Many people have multiple deficiencies and diseases in their body. They can choose this insurance plan which gives an additional vision cover with dental insurance as the main objective. By paying some additional premium one can add some riders to make the dental insurance policy more customized and useful. Facilities are at par with other insurance plans.
Fee based Dental Plan:In such type of plans the dentists share a fee schedule at the time of buying the policy. All the services are mentioned and the limits and deductible are also defined. Policy provides the benefits accordingly. One can go for it if he is not a general patient of dental diseases.
Delta Dental Insurance Co.
Patriot Health Inc.
Security Life Insurance Company