Family Dental Insurance Plans in Maryland, Maryland Dental Plans for Families, Maryland Individual Discount Dental Plans, Maryland Dentists
We quote the major
Maryland Dental Insurance Companies:
Individual Dental Insurance Coverage in Maryland
Dental insurance plans that are designed to cover patient's dental treatment costs come in two forms-individual dental insurance and group dental insurance. You should try to get quotes from the different dental insurance providers for your individual dental insurance. Individual dental insurance for Maryland is designed to cover both the policyholder and their family.
Depending upon the dental
insurance company chosen, there may be a waiting period for some services.
Other dental insurance plans in Maryland do not cover these services or
provide minimal coverage. However, immediate coverage is available for
all dental services and is provided immediately with no waiting period
which also includes braces depending on the dental plan you choose.
Invisalign is a new type
of clear braces which is covered under our dental plans. Orthodontia is
available in most of our dental plans.
Our website can help you find the best dental insurance coverage in
Maryland, but for the best option, call us today and let us show you how
to save you a tremendous amount of money. These multiple quotes will help
you to zero in on the policy that might be the right individual dental
insurance for you needs.
If you're looking for a dental PPO plan, this one
is low-cost and provides coverage for preventive care, such as cleanings
and X-rays, and offers discounts on basic and major services. Based on
this alone, one can say that if you choose to get PPO dental plans, you
have the freedom to choose the dentist that you want. Dental insurance
plans from an HMO have a limited pool of dentists that patients can choose
from, but it’s less expensive than a PPO, usually less than $150 a year.
When choosing Maryland dental insurance, you can go for
discount dental plans. The good news is, with the help of your dentist, we
can help you determine which Maryland Dental Insurance or discount dental
plan is the best. They simply provide a discount when you use providers
who agree to accept the card so you are limited in that way.
Participating providers in the cheap dental plan we offer have agreed to
accept a discounted fee as payment-in-full for services performed. As a
cheap dental plan member, you simply show your membership card when
visiting any participating cheap dental plan provider to receive dental
services at discounted fees.
Dental Plan Benefits Available Immediately NO Claim Forms to fill out, NO Waiting Period, NO Age Limit, Guaranteed Pricing: know your actual cost and/or % discount before the visit. Self employed who are looking for Maryland Individual Dental Insurance Companies might enjoy a discount dental plan. You can get an individual dental insurance or savings plan that is right for you and your family. Even if you already have family dental insurance or an individual dental insurance plan, the discounts offered by our discount dental plans may be used along with your insurance dental plans for even more dental care savings. Choose from a wide selection of family and individual dental insurance plans.
This website offers the cost
comparison and coverage comparison for both dental discount plans and
dental indemnity insurance plans. By putting your five digit zip code,
you can receive your instant cost comparison, and our professional
insurance agents will be waiting to assist you.
The fastest and easiest way to compare dental insurance plans is just at the touch of a button on your computer. Get your cheapest and fastest way to order Individual Dental Health Insurance in Maryland right from your seat. With this website, an instant dental insurance quote can be provided with no obligation, and our friendly insurance agents with be waiting for your call to assist you with any questions that you may have. Please put your five digit zip code in the box indicating zip code and press enter and an instant insurance quote will appear providing a cost comparison, rate comparison and coverage comparison with various types of insurance plans.
Once you join, simply
print out your plan membership card and visit a participating Maryland
dentist to save on many dental health care services including teeth
cleanings, dental checkups, fillings, root canals, crowns, braces and even
cosmetic dentistry on select plans. To find more resources about Maryland
Dental Insurance and find quotes for other types of Maryland health
insurance, please visit our Maryland Health Insurance Coverage section.
Individual Dental Insurance
Many companies offer the best individual dental insurance in Maryland but it can become time consuming and frustrating trying to get the right individual dental insurance to fit your needs and budget. Whether you’re looking for individual dental insurance in Maryland or a family policy IndividualDentalInsuranceMaryland.com has the right plan for you.
This article should provide useful information in assisting with your dental insurance needs. Maryland dental insurance policies give subscribers lots of options online. Individual dental insurance plans are very similar to standard health insurance plans in that they include HMO, PPO and indemnity options. A description of these terms is provided in our coverage section of this article provided below.
However, this website offers dental plan
coverage, benefits, and payment options to fit the needs of most
consumers. To get your quote and/or coverage today, just provide your zip
code in the box where it indicates zip code and an instant insurance quote
will appear with the rates and coverage options. Also, friendly,
qualified staff will be here to assist you.
However, if you have a preference of a
dentist, you may want to choose an indemnity plan that offers that
option. Affordable dental plans also include discount dental plans which
in which you pay an amount which is annual fee and you gain access to all
the dentists of the area at a discounted price. Most dental insurance
plans covers for exams, x-rays, cleanings, fillings, and crowns. To find
the coverage and price to fit your budget, please place your zip code in
the box that indicates zip code for an instant quote with no obligation.
To obtain the cost of dental insurance in Maryland, please provide your zip code where indicated and an instant no obligation quote will be provided. Our rates start as low as $9.95 a month. Our website with display many dental plans and payment options for your choice, and our friendly staff is waiting to be of your assistance if you have any questions regarding coverage and payments options.
or Select a city in
Maryland to Find a Dentist and Dental Plans.
Our Maryland Dentist Referral and Dentist Search
provides you with the best Individual Maryland Dental Insurance Plans.
Traditional Maryland 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.
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.
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.
Maryland Indemnity Plans
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:
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:
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:
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
Some typical features of a direct reimbursement plan:
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.
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:
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:
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:
Understanding these differences will enable you to make an informed decision when selecting a Maryland dental plan that is best for you or your family.
Members can save on all dental charges and procedures including dental restorative cosmetic work (fillings, dental crowns, dental braces, dental implant's) and dental product related items, etc.), dental hygiene services, preventative work (teeth cleaning, x-rays, etc). General dentistry, dental hygienist, dental assistant, dental assisting and all specialties where available are covered.
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