Find Affordable Missouri Dental Insurance
The passage of the Affordable Care Act (ACA) means you have more dental insurance options than ever before. Now you can buy a private health insurance plan through an insurance company or purchase a plan through the Health Insurance Marketplace. HealthQuoteInfo.com allows people to search for dental insurance plans on the government-sponsored marketplace and in the private sector. These plans vary in cost and coverage, so compare quotes and pick the plan that works best for you and your family.
Missouri Dental insurance 101 – What You Need to Know
Dental insurance and health insurance are very similar. In both cases, you pay a premium each month, and that premium gives you access to dental benefits. Dental insurance in Missouri usually covers a portion or all the expenses related to checkups, cleanings, and other services that promote dental health.
While many people choose plans with basic coverage, it’s also possible to get additional coverage when you get Missouri dental insurance. Some plans include coverage for dental implants, oral surgery, and more. This is a good option if you intend to have a lot of dental work done in the near future.
Types of Missouri Dental Plans
As with health insurance, MO dental insurance is available in indemnity or managed-care plans.
Indemnity policies are often referred to as fee-for-service plans. Referrals are not required with this type of policy, and policyholders can typically visit any licensed dentist. The broad network of dentists draws people to this type of coverage. Indemnity policies typically cover preventative, basic, and major dental services and the insured must pay deductibles and coinsurance when necessary. Policyholders pay the dentist for the procedure up front, and then the insurance company reimburses them for the procedure.
Managed-care plans are often referred to as Dental HMOs. If you get a managed-care plan, you’ll choose from a network of dentists. Many of the services are fully covered under a managed-care plan. This is very similar to health insurance. Insurance companies negotiate costs with the network of dentists and the dentists file the paperwork. You will have fewer out-of-pocket costs with a managed-care plan.
Dental insurance in Missouri is also categorized by the cost of premiums and the coverage provided. For instance, the ACA classifies dental insurance as “High” and “Low.” This signifies the cost of the premium. High plans have higher premiums than Low plans. At the same time, these plans feature lower co-payments and deductibles.
When you get a quote at HealthQuoteInfo.com, you can look at both High and Low plans, as well as indemnity and managed-care dental insurance in MO. Then, talk to an agent and get help choosing the best plan for your specific needs.