Free Quotes for West Virginia Dental Insurance Plans
There are a range of options when it comes to dental care coverage plans in West Virginia. You have standard dental insurance plans along with discount options if you’re looking for a lower cost alternative. You can get rate quotes for providers that offer dental coverage in West Virginia here on our site quickly, easily and without paying a dime. All you need to do is punch in your ZIP code to see free quotes from providers that cover your area. There are individual and family plans available, so you can find something whether you’re shopping for you or your entire family. To make sure you choose the option that best fits your needs, it’s important to know how each type of dental plan works.
What Types of Dental Plans Can You Choose in West Virginia?
In West Virginia, you have three types of dental insurance plans available: PPO (Preferred Provider Organization) plans, indemnity plans and discount plans. Each of these plans will work a bit differently, so they all have their own advantages and disadvantages. Don’t just choose a plan based on the monthly premiums. You need to also compare the types of savings you can get on services through each plan. One plan may cost more per month but also get you a significant savings on your dental services, making it a better overall value.
PPO providers have agreements with a network of dentists, so the dentists offer a discounted rate to members of that PPO. When you have a PPO plan, you can choose a dentist without your network or go to one outside of it, but you’ll usually pay much less if you stick to dentists within your network. Consult with your PPO provider to see how it would work if you obtained dental care from a dentist outside of your network in regular situations and emergencies. With a PPO, there can be a waiting period to obtain certain types of procedures, and there is also a maximum for how much you can use your services within each calendar year. PPO providers that are popular in West Virginia include American National, Ameritas, Delta Dental, HumanaOne and Nationwide.
Indemnity plans are easy enough to understand, as they have a fee-for-service model. Your indemnity plan provider will pay for a percentage of how much a dental procedure costs. You can determine how much your provider will pay by checking their fee schedule. Providers calculate the amounts they will pay using an average called the Usual, Customary and Reasonable (UCR) Fee. This is the average cost of a service from participating dentists. When you have an indemnity plan, you can go to almost any dentist, so you don’t need to worry about staying within a network. Keep in mind that indemnity providers typically reimburse you after they receive your dental care bill, so you’ll initially pay the entire bill out of pocket. Popular providers of indemnity plans in West Virginia include Delta Dental and Nationwide.
Discount plans are not technically dental insurance, and are more of an option for those who don’t have sufficient coverage. With this type of plan, you get a discount card and are then able to get unlimited dental care at discount rates. You can see how much services will be discounted by checking the discount plan provider’s fee schedule. There are a couple things to remember when you have a discount plan. You need to pay out of pocket for the portion of your bill that isn’t covered by your discount plan, so you’ll need to know how much your discounts are and how much the dentist charges for services. Not every dentist accepts discount plans, so make sure you check with your dentist before you visit. There are three providers who offer discount plans in West Virginia: Aetna Dental, Careington International and Patriot Health Inc.