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Dental Insurance Plans In Kansas

Dental Insurance Plan Quotes – Kansas

Get Free Quotes on Dental Insurance in KS

Trying to find affordable dental insurance in Kansas requires some research, and DentalInsurance.com makes it easy by providing free rate quotes and information so you can easily compare dental insurance and discount dental plan providers side by side. To find out which dental insurance plans are available in Kansas, enter your zip code above to start your free online rate quote. Before you begin though, it’s important to understand what the differences are between the various types of dental plans in KS.

Types of Dental Plans Available in Kansas

There are four different types of dental plans available in Kentucky. Each has there pros and cons, and no type of plan is perfect for everyone. Finding the perfect plan will depend on the types of procedures you believe you will require, the amount of freedom you’d like in terms of choosing a dentist or not worrying about waiting periods, and the amount you are willing to pay. The four types of dental insurance plans in Kansas are:

PPOs (Preferred Provider Organizations)

PPOs work with a network of preferred dentists and guarantee a maximum cost of care from dentists within the network. These dentists agree to provide their services to subscribers of the PPO at a discounted rate in order to receive access to more patients, so all parties benefit from the relationship. PPOs are a good all-around type of plan that typically offer comprehensive coverage, and the networks of approved dentists tend to be very large, which gives subscribers a wide range of dentists to choose from. Most plans have calendar-year maximums though, and coverage for services from dentists outside of the network may be considerably more expensive. So be sure to check with the provider’s policy on seeking emergency care. PPO providers in Kansas include HumanaOne, Ameritas and Nationwide.

Indemnity Plans

Indemnity plans operate on a traditional fee-for-service model, which means they cover a certain percentages of the amount of specific procedures. These percentages are determined by a UCR index. UCR stands for Usual, Customary, and Reasonable, and is essentially a measurement of the average cost of services from nearby dentists. This allows the insurance company to determine a fair amount of coverage. These plans offer the most freedom in terms of choosing a dentist, as they cover services form nearly all dentists. They may lead to higher out-of-pocked payments though, since indemnity plan providers make reimbursements only after receiving and reviewing a bill. American National is an indemnity plan provider in Kansas.

Discount Plans

Discount plans are unlike most dental insurance plans in that they don’t make reimbursements or interact with the dentist directly at all. Instead, subscribers pay an annual or monthly fee in exchange for a “discount card,” which allows them to seek unlimited dental care at a discounted rate from participating dentists. These plans are typically attractive to patients who are unsatisfied with their current dental insurance coverage and are tired of being held down by maximums and deductibles. Discount dental plans vary widely by plan and provider in terms of the cost of membership and the amount of coverage the discount provides for certain services. Also, keep in mind that because discount plan providers don’t make reimbursements, patients are typically responsible for the entire discounted rate of service at the time of their visit. Discount plan providers in Kansas include Patriot Health Inc., Careington International, and Aetna Dental.
(*Discount plans are not insurance and are not intended to replace health insurance.)

KS Individual & Family Dental Insurance Plans

Here at the Dental Insurance Shop, we partner with preeminent dental carriers in Kansas to offer the best dental insurance coverage. The dental plans will contrast based on the monthly premium, the network of dentists the company has, and the price of services when the plan is used. Shop dental insurance plans and compare them online to select the dental plan to fit your dental insurance budget and dental care needs.

Things to consider when buying dental insurance in Kansas:

Total Kansas Residents: 2,904,021
Number of Dentists in Kansas: 1,502
Percentage of Adults in Kansas who visited the dentist last year: 67.3%
Percentage of Adults 65+ in Kansas who have had all of their natural teeth extracted: 18.8%

All statistics were provided by the Kaiser Family Foundation

What types of dental insurance plans are available in Kansas?
There are three types of dental insurance plans available in Kansas and they are:

Preferred Provider Organization (PPO)
Indemnity
Dental Discount

Preferred Provider Organization
Preferred Provider Organization (PPO) dental plans are plans that have a specific network of participating dentists that members can go to see to get their dental work done. This is generally cheaper than an indemnity plan because the dentists agree to negotiated rates with the insurance company to keep costs down for the members of the PPO. You can go out of network with a PPO plan but it will dramatically increase your out of pocket costs.

Indemnity
Indemnity dental plans are plans that allow you to go to any dentist you want, there are no networks. There is a catch though, because you are able to go to any dentist you want the dental companies will only pay Usual, Customary, and Reasonable. What this means for you: When you go see a dentist they will submit it to your insurance company. The insurance company will then go to one of their network providers to see what they would have charged if you would have gone to see them instead. The insurance company will only pay benefits up to what their network provider would have charged and you as the customer will be responsible to pay the remaining balance.

Dental Discount
Dental Discount plans are not true dental insurance plans. The plans are more like buying a membership to a club that gives discounts for specific services that you may need. You must go to provider within the plans network to receive the discounts. You will always pay the provider the specified amount on the card when you get your work done. There is no billing and no insurance forms to fill out.

Our affordable individual and family dental insurance plans in Kansas offer coverages on many dental care procedures including checkups, teeth cleanings, root canals, x-rays and more. Whether you are looking for the best dental insurance plan, the cheapest dental insurance plan, or just a preventive dental insurance plan, the good news is these Kansas dental insurance plans are affordable dental insurance that provides coverage specific to your needs.

Dental Insurance Plans

PPO, Indemnity, waiting periods, and other great information to help you find the best dental insurance plan for you.
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Traditional dental insurance is often perceived as the best way to pay for dental expenses. And while dental insurance is an excellent option when sponsored by your employer, it may not be very cost effective when you are paying for it.

Most individual dental insurance plans require you to satisfy waiting periods and deductibles before having major and sometimes even minor restorative work done. Discount dental plans help make maintaining good oral health a lot more affordable. And, with no waiting periods or complicated coverage procedures, dental discount plans are about as simple as you can get.

How do discount dental plans work? As we become aware about our oral health, there has been a demand for affordable dental care. Discount dental plans are the newest option for those without coverage. These dental discount plans are much cheaper than traditional dental insurance, and also offer almost equal coverage for all dental work, even cosmetic procedures not covered by standard indemnity dental plans.

The catch is that dental discount plans are not really insurance at all. They work more like club memberships, where the cost of membership (your “premium”) earns a steep discount on any club service (dental work) you buy. The discount normally applies to all dental office services performed by an approved “plan” dentist, but no procedure is covered completely.

What are the ins and outs of discount dental plans? When it comes to dental discount plans, the good news is afford ability, breadth of services, and immediate coverage. The bad news is greater financial risk and responsibility on your part.

Although the monthly cost of most discount dental plans is very low compared to the price of a traditional dental insurance or indemnity insurance policy, there’s more allover financial risk with a dental discount plan. No care is totally covered, so an expensive procedure will mean a big out-of-pocket expense, even with the dental plan. And even when undergoing a low-cost service (like cleaning), you’ll still be expected to pick up a part of the cost.

However, on the plus side, discount dental plans are effective immediately – so are many procedures you need now will be covered as soon as you buy the dental discount plan. Traditional indemnity and/or insurance dental plans usually impose a waiting period of between 6 and 18 months for any major procedure. The last “pro” is that all good dental discount plans should come with a money-back guarantee.

This type of dental plan pays the dental office (dentist) on a traditional fee-for-service basis. A monthly premium is paid by the client and/or the employer to an insurance company, which then reimburses the dental office (dentist) for the services rendered. An insurance company usually pays between 50% – 80% of the dental office (dentist) fees for a covered procedures; the remaining 20% – 50% is paid by the client.

These plans often have a pre-determined or set deductible amount which varies from plan to plan. Indemnity plans also can limit the amount of services covered within a given year and pay the dentist based on a variety of fee schedules. Some typical features of these plans:

High deductibles before coverage begins (well-designed plans don’t apply the deductible to preventive services)

Probationary periods on certain procedures that last up to a year

Annual dollar limit on benefits

Chose your own dentist

Your average monthly cost: $15 to $25

Companies selling these plans are regulated by state insurance departments.

These insurance plans, also known as “capitation plans,” operate like their medical HMO cousins. This type of dental plan provides a comprehensive dental care to enrolled patients through designated provider office (dentist). A Dental Health Maintenance Organization (DHMO) is a common example of a capitation plan. The dentist is paid on a per capita (per person) basis rather than for actual treatment provided.

Participating dentists receive a fixes monthly fee based on the number of patients assigned to the office. In addition to premiums, client co-payments may be required for each visit. Some typical features of these plans:

Monthly premiums (some require you to prepay a year’s worth)

Co-payments for office visits

Free preventive or routine care

You must select from an approved network of dentists

May have an initial enrollment fee

Annual dollar cap

Your average monthly cost: $5 to $15

Companies selling these plans are regulated by state insurance departments.

Preferred Provider Organizations

Another true insurance plan, a Preferred provider organizations ( PPO) falls somewhere between an indemnity plan and a dental HMO. This plan allows a particular group of patients to receive dental care from a defined panel of dentists. The participating dentist agrees to charge less than usual fees to this specific patient base, providing savings for the plan purchaser.

If the patient chooses to see a dentist who is not designated as a “preferred provider,” that patient may be required to pay a greater share of the fee-for-service. A group of dentists agrees to provide services at a deeply discounted rate, giving you substantial savings — as long as you stay in their network. Unlike the more restrictive DHMO, though, you can go out of network and still receive some benefits. Some typical features of these plans:

Annual dollar cap

You must stay within the approved network of dentists or pay higher deductibles and co-payments

Your average monthly cost: $20-25

Companies selling these plans are regulated by state insurance departments.

This type of dental plan is not insurance. The managing organizations have negotiated with local dental offices to establish a set price for a particular dental procedure and offer deep discounts (some up to 70%) off the regular ADA pricing code.

This plan has several advantages over traditional dental insurance plans, namely, there are no exclusions for pre-existing conditions. This allows a patient to receive immediate coverage for work without meeting any waiting period requirements.

Direct Reimbursement Plans

A dental care plan now coming into vogue is the direct reimbursement plan. This is a self-funded benefit plan — not insurance — in which an employer pays for dental care with its own funds, rather than paying premiums to an insurance company or third-party administrator.

You, the patient, pay the full amount directly to the dentist, then get a receipt detailing services rendered and the cost, which you show to your employer. The employer reimburses you for part or all of the dental costs, depending on your specific benefits.

Your company might reimburse 100 percent of your first $100 of dental expenses and then 80 percent of the next $500, and 50 percent of the next $2,000, with a total annual maximum benefit of $1,500. Or it might reimburse only 50 percent of your first $1,000, resulting in a $500 yearly cap.

Some typical features of a direct reimbursement plan:

Neither you nor your employer pay monthly premiums

Freedom to choose any dentist

Typical employer cost: depends on the number of employees and benefit caps

Benefits usually capped at $500 to $2,000 annually.

Dental care is quite different than medical care. Major illness can strike at any time and the costs can be enormous. Most dental disease is preventable and treatment is predictable. Regular checkups and professional cleaning can help maintain your oral health and so dental benefits are written to encourage patients to seek preventative care in order to prevent more serious dental problems.

What do you look for in choosing a plan?

Does the plan give you the freedom to choose your own dentist or are you restricted to a panel of dentists selected by the insurance company? If you have a family dentist with whom you are satisfied, consider the effects changing dentists will have on the quality or quantity of care you receive. Because regular visits to the dentist reduce the likelihood of developing serious dental disease, it’s best to have and maintain an established relationship with a dentist you trust

Who controls treatment decisions–you and your dentist or the dental plan? Many plans require dentists to follow treatment plans that rely on a Least Expensive Alternative Treatment (LEAT) approach. If there are multiple treatment options for a specific condition, the plan will pay for the less expensive treatment option.

If you choose a treatment option that may better suit your individual needs and your long-term oral health, you will be responsible for paying the difference in costs. It’s important to know who makes the treatment decisions under your plan. These cost control measures may have an impact on the quality of care you’ll receive.

Does the plan cover diagnostic, preventive and emergency services? If so, to what extent? Most dental plans provide coverage for selected diagnostic services, preventive care and emergency treatment that are basic for maintaining good oral health.

But the extent or frequency of the services covered by some plans may be limited. Depending upon your individual oral health needs, you may be required to pay the dentist directly for a portion of this basic care. Find out how much treatment is allowed in any given year without cost to you, and how much you will have to pay for yourself.

Initial Oral Examination—-once per dentist

Recall Examinations—-twice per year

Complete x-ray survey—-once every three years

Cavity-detecting bite-wing x-rays—-once per year

Prophylaxis or teeth cleaning—-twice per year

Topical Fluoride treatment—-twice per year

Sealants—-for those under age 18

What routine corrective treatment is covered by the dental plan? What share of the costs will be yours? While preventive care lessens the risk of serious dental disease, additional treatment may be required to ensure optimal health. A broad range of treatment can be defined as routine. Most plans cover 70 percent to 80 percent of such treatment. Patients are responsible for the remaining costs. Examples of routine care include:

Restorative care – amalgam and composite resin fillings and stainless steel crowns on primary teeth

Endodontics – treatment of root canals and removal of tooth nerves

Oral Surgery – tooth removal (not including bony impaction) and minor surgical procedures such as tissue biopsy and drainage of minor oral infections.

Periodontics – treatment of uncomplicated periodontal disease including scaling, root planning and management of acute infections or lesions

Prosthodontics–repair and/or relining or reseating of existing dentures and bridges.

What major dental care is covered by the plan? What percentage of these costs will you be required to pay? Since dental benefits encourage you to get preventive care, which often eliminates the need for major dental work, most plans are not generous when it comes to paying for major dental work, most plans cover less than 50 percent of the cost of major treatment.

Most plans limit the benefits–both in number of procedures and dollar amount–that are covered in a given year. Be aware of these restrictions when choosing your plan and as you and your dentist develop treatment best suited for you. Major dental care includes:

Restorative care–gold restorations and individual crowns

Oral Surgery–removal of impacted teeth and complex oral surgery procedures.

Periodontics–treatment of complicated periodontal disease requiring surgery involving bones, underlying tissues or bone grafts.

Orthodontics–treatment including retainers, braces and/or diagnostic materials.

Dental Implants–either surgical placement or restoration

Prosthodontics–fixed bridges, partial dentures and removable or fixed dentures.

Will the plan allow referrals to specialists? Will my dentist and I be able to choose the specialist? Some plans limit referrals to specialists. Your dentist may be required to refer you to a limited selection of specialists who have contracted with the plan’s third party. You also may be required to get permission from the plan administrator before being referred to a specialist. If you choose a plan with these limitations, make sure qualified specialists are available in your area. Look for a plan with a broad selection of different types of specialists.

If you have children, you may prefer a plan that allows a pediatric dentist to be your child’s primary care dentist. Since specialized treatment is generally more costly than routine care, some plans discourage the use of specialists. While many general practitioners are qualified to perform some specialized services, complex procedures often require the skills of a dentist with special training. Discuss the options with your dentist before deciding who is best qualified to deliver treatment.

Can you see the dentist when you need to, and schedule appointment times convenient for you? Dentists participating in closed panel or capitation plans may have select hours to see plan patients. They may schedule appointments for these patients on given days, or at specified hours of the day, restricting your access.

Some dentist’s fees for seeing you on weekends or during emergencies are high than those the plan allows. You may be required to pay additional costs yourself. If you select these types of plans, have a clear understanding of your dentist’s policies as well as the plan’s dentist-to-patient ratio. It’s the best way to ensure your access to care is not unduly restricted and that you are not surprised by higher fees the plan does not cover.

Insurance companies do their best to ensure that their policyholders understand their plans and benefits, but it is up to an individual to make sure that they are making informed choices. The differences in the various plans you can choose from are:

The type of third party funding the plan.

Methods of selecting a dentist.

Compensation of the dentist’s services to you.

The calculations of benefits and payments.

Understanding these differences will enable you to make an informed decision when selecting a dental plan that is best for you or your family.

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