According to the Virginia Healthcare Foundation, 3.8 million Virginia residents do not have dental insurance. This is a high figure considering that on average, about 70 percent of adults in America visit the dentist at least once per year. It is very expensive to foot for dental care procedures from your pocket. If you fall under the uninsured class, knowing your dental insurance options in Virginia can help you choose a dental plan that is ideal for you and your family. Conducting a comparison with different dental providers can help you make an informed decision.
Types of dental insurance plans in Virginia
Under the Preferred Provider Organizations plans, you choose from a network of dentists who have subscribed to these networks. Dentists under these networks offer their services at discounted rates. In exchange, the network provides them with a large pool of patients who have the PPO dental insurance plan. The major incentive for taking out a PPO dental cover is that you will know how much you are expected to pay in advance. This plan also reduces out of pocket costs significantly. The only condition is that you have to work with a dentist under the network. PPO Dental offers have waiting periods for certain services. You will also be required to pay a deductible. There is also a limit to the amount of work and time that the dentist can work on you. In Virginia, some of the PPO dental insurance providers include, Nationwide, Delta Dental, HumanOne and Ameritas.
Dental Health Maintenance Organizations (DHMOs)
DHMO’s have the lowest dental costs compared to all other dental insurance plans in Virginia. While their costs are low, they also have more restrictions. Dentists under the DHMO are paid a fixed rate at the end of the month based on the number of patients in that pool. As a result, they are expected to offer free or extremely discounted rates to these patients. The major incentive for these dentists is to offer more preventive care so as to avoid complex and expensive dental procedures. In Virginia, there are fewer dentists under this plan if you compare with other dental insurance networks.
Indemnity Dental Plan
Under the indemnity plan, the patient is free to choose a dentist of their choice. You do not have to pick one within any of the networks. Indemnity plans have a higher out-of-pocket amount. Patients are reimbursed after they have received treatment, and the bill has been reviewed. The advantage of the indemnity plan is that a good portion of the bill is covered. When shopping for this plan, you need to check for the waiting periods and the payments schedule. Since you are at liberty to choose your dentist, choose a professional and reputable one. Indemnity Insurance providers in Virginia include Delta Dental , Nationwide, American National, and Transamerica.
It is important to establish that discount plans are not insurance plans. There are no reimbursement forms that need to be filled. Members under the discount plan pay and enrollment fee and small monthly charges so as to receive discounts. There are no deductibles or caps under the discount plan. It is important to compare with different providers because the plans differ widely. You also need to check on the fees schedule and choose a payment plan that you would be comfortable with.
Once you have known your options ensure that you get a plan that works for you and your family. To find the right plan, you can use the following key pointers:
Understand your coverage features in dental policy
Cost in a major concern when shopping for dental insurance. However, before you sign up for the cheapest offer, get to know what is covered. There are plans that have longer waiting periods, and some can take up to one year. Again, if you have children who need major dental work, choose a policy that will cover for most of these procedures. You can also check into the group covers offered by most insurers in Virginia. Dental procedures can be expensive especially if you need major reconstructive work. This is why you need to ensure that you are adequately covered. Dental insurance cover plans in Virginia give you a wide range of options to choose from based on your budget.