Dental Insurance

If you live in the Decatur, AL area and need a quote for dental insurance coverage, give us a call today at Alabama Insurance Services. Finding affordable dental insurance requires research, and makes it easy by providing free quotes and information on the available plans in Alabama. To find out which dental insurance plans are available in your area, enter your zip code above to get started. Before you begin though, make sure you understand the difference between the various types of plans.

Types of Dental Insurance Plans Decatur, Alabama

The types of insurance are:
  • DHMO - Dental Health Maintenance Organization
  • PPO - Preferred Providers
  • Fee Based or Fee Schedule
  • Indemnity dental plan
  • Discount Dental plans
  • DHMOs (Dental Health Maintenance Organizations)

DHMO Dental Health Maintenance Organization

DHMOs are often the most affordable type of plan, but may also have more restrictions. DHMOs pay highly qualified dentists a fixed monthly rate for each subscriber to the DHMO, and patients are then only responsible for relatively small copay. HumanaOne is the only DHMO provider available in Alabama.

PPOs (Preferred Provider Organizations)

PPOs work with a wider network of dentists than DHMOs. Patients are able to choose from a list of preferred dentists who agree to provide services at a lower cost for members under the plan in exchange for greater access to patients. PPO providers in Alabama include Delta Dental, HumanaOne and Nationwide.

Fee Schedule Plan

Fee Schedule plans list the percentage or dollar amount the provider is willing to cover for specific procedures, and the list is called the “fee schedule.” This fee schedule is determined by Usual, Customary and Reasonable fee model (UCR), which determines the cost of dental procedures based on the average cost of services from dentists within the area. They typically have lower premiums than most plans, but also come with a maximum amount of coverage per calendar year. Become aware of the fees on this option. Fee schedule plans available from two or three insurers in Alabama and we can discuss this option when we visit.

Indemnity Plans

Indemnity plans work through a “fee for service” model, and are sometimes called “traditional dental insurance” plans. Indemnity plan providers also use a fee schedule which is subject to UCR fees, and reimbursements are typically made after receiving and reviewing the bill. This may require patients to pay higher out-of-pocket costs, but they offer the greatest freedom when it comes to choosing a preferred dentist.

Discount Plans

Discount plans can offer unlimited health care at a discounted rate in exchange for an annual or monthly fee without restrictions or waiting periods. They may be extremely attractive for patients with inadequate dental health insurance, and the savings far outweigh the cost of the discount card. Patients are usually required to pay the balance of the service not covered by the discount at the time of the visit, so familiarize yourself with each provider's rates, and check with your preferred local dentist to see how they accept payments from discount card holders. Discount plan providers in Alabama include Aetna, Patriot Health and Careington.
Plans and providers change so be sure to discuss with Dwayne what is currently available and which plan makes sense for your family.