Having a dental insurance is really important because, in the case of any dental emergency, an uninsured procedure may cost you a lot of money. If you are a resident of Texas and looking for dental insurance in Texas, then there is an array of options to choose from. You can get some initial quotes online to make the decision-making process easier. The most trusted websites to select and compare different dental plans are https://www.humana.com/, and https://www.dentalinsurance.com/. These websites are used nationwide to compare plans side by side and decide which fits your requirements better.
Mainly, there are 4 types of dental insurance plans. Let’s take a look.
PPO or Preferred Provider Organization is probably the most common health insurance plan you choose. Your insurance company contracts with a network of dentists. If you go to these dentists for treatment, you’ll benefit from huge discounts and insurance companies cover a big chunk of your bill. If you visit a dentist with no contract with your insurance company, you’ll get limited benefits and they won’t be much beneficial as compared to the contracted dentist. 1Dental http://www.1dental.com/, Delta Dental https://www.deltadentalins.com/, and HumanaOne https://www.humanaonedental.com/ are the top insurance companies offering PPO dental insurance in Texas.
DHMO or Dental Health Maintenance Organization is another great dental plan which is a slightly better modification of PPO. In this type of plan, the insurance company pays a set amount to the pledged network of dentists and in return, they have no choice but to treat every patient with the insurance. The main advantage of this plan is that you don’t have to pay for routine checks and procedure as it is already covered by the insurance company. If there is a bigger dental procedure you are planning on, you may have to co-pay with the help of insurance company. Delta Dental and HumanaOne are the main providers of this plan.
This plan has the network of dentists who are on a discount contract with your insurance company. Discount contract means that when you visit any doctor from the network, you get a good discount due to the contract. You have to pay the discounted rate in cash. Most of the dentists accept the discount contract due to instant money paid by customers which keep a healthy financial flow in their organization. In the case of insurance claims, they have to fill paperwork and wait for many to get the reimbursement. Careington International https://www1.careington.com/ and Atena https://www.aetna.com/ offer the discount dental plan in Texas.
Indemnity Plans have a traditional approach where you have to pay a percentage of the bill calculated through the amount charged for the same procedure by other dentists in the area. The insurance company pays the bill after reviewing it. This leads to higher costs out of customer’s pocket, but a wide array of dentists to choose from. Delta Dental offers an indemnity plan in Texas.