Dental insurance premiums usually cost much less than health insurance. The main difference is that dental insurance policies have an annual coverage limit. Regular checkups, exams and cleanings are covered by most plans at reduced costs. Serious conditions like gum disease treatment, root canals and crowns will be paid for up to 50%. Cosmetic procedures and orthodontics may not be covered at all. It is in a consumer’s best interest to check out the different plans available in their state and sign up – dental care could get very expensive otherwise.
How does North Dakota dental insurance work?
In most states, medical and dental insurance plans are offered by employers. Unlike medical insurance, dental insurance in North Dakota also has a yearly cap. The most commonly used dental insurance plans are indemnity and managed care plans.
Four types of dental insurance plans are available to consumers in North Dakota. These vary in coverage and also by price. A little research based on individual and family needs will help in picking the right coverage. The insurance plans are:
PPOs: Preferred provider organizations are considered good plans. Dentists in the network offer services at discounted rates to PPO members. Quite a few people enroll with PPOs for the benefits. Out of network dentists usually get paid more for services. There may be waiting periods with dentists in the PPO network as well as a set number of visits. There is just 1 PPO provider in North Dakota.
Discount Plants: These plans differ from other insurance plans in that they don’t make reimbursements or have direct interaction with a dentist. Discount plans offer subscribers a card with lets the users get as much care at discounted rates from dentists who are on the plan. This type of plan is popular with patients who don’t like the coverage offered by the other plans. Discounts will vary between carriers. Some may cover basics and not the more complicated cases. Patients are required to pay for their care as insurance carriers don’t reimburse costs. There are 3 discount plan providers in North Dakota.
Indemnity Plans: This is the most traditional style of insurance. Patients sign up for a “fee for service” type model where they have to pay a percentage of costs for procedures. The price for specified services are listed in a fee schedule which changes based on the market. The fees are based on a usual and reasonable cost of care – an average of fees charged by dentists in the area. Indemnity plans reimburse costs after they get and review bills from patients. There are 4 indemnity plan providers in North Dakota.
Fee Schedule Plans: These can be called a cross between indemnity and PPO plans. Just like indemnity plans, they cover each procedure based on a usual and reasonable index. Unlike indemnity plans which pay a percentage, fee plans specify the dollar amount they will pay for a procedure. It pays to check with the dentist to see what they would charge for the services you need before picking this type of insurance. Fee plans may also work in the case of a network of dentists (like that of a PPO). Fee plans have lower premiums compared to the others. There are restrictions on the number of visits a year. There are 2 fee schedule plan providers in North Dakota.
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