A dental plan is essential for securing your smile, as it is the way you greet the world. Thus, you need to maintain your oral health by paying frequent visits to the dentists and this is only possible by having apt dental coverage. If you are also a resident of Arkansas who doesn’t have a dental insurance plan, then it is high time you should enroll in an affordable dental plan that takes good care of your oral health. Dental insurance plans in Arkansas help you save good amounts on oral health care services while availing yourself dental care. You will be surprised to know that dental care cost is not covered by major health insurance plans because it is not considered as an essential benefit as per the Affordable Care Act. This means that no private health insurance plan provides coverage for dental insurance and so if you wish to have dental coverage you need to pick the best and affordable dental plan offered by leading dental carriers available in your state. The stand-alone dental plans in Arkansas provide affordable dental coverage and you need to pay a monthly premium to remain covered.
Types of Dental Plans in Arkansas
There is no short of dental insurance options in Bear State, as some leading dental insurance carriers have launched some popular dental plans in Arkansas and so you will easily find the most affordable dental insurance plans in the state. Different types of dental plans exist in Arkansas and these plans are less complex compared to health insurance plans. Different types of dental plans available in Arkansas are:
PPO Dental Plans
PPO dental plan is an ideal dental plan that helps you get the coverage you need without compromising on your oral health. This type of dental plan provides you the flexibility to receive dental treatment from any of the dentists included in the extensive network of providers at a reasonable cost. In the PPO dental plan, you don’t even have to choose a primary care dentist. The dental care providers included in the network agree to render dental care services at a negotiated rate that is much lower than its actual cost, so the savings are passed on to you. As a member of the PPO dental plan you have the option to visit a dentist outside of the network, but you have to pay higher out-of-pocket costs for it. PPO dental plans usually provide 100% coverage for preventive care like cleanings, exams, and x-rays, and 80% coverage for basic dental procedures like extraction and fillings, and 50% coverage for major dental procedures like crowns, bridges, implants, and root canals.
Dental Health Maintenance Organizations Plans
DHMO is an affordable dental plan offering coverage for dental care services received only from the in-network dental care providers. The dentists included under a DHMO plan are pre-paid a specific amount each month for every patient assigned to them. Dentists are supposed to provide contracted services at no-cost or reduced cost to the patients assigned to them. The DHMO plans thus do not reimburse the dentist or patient for the received services. Thus, members of the DHMO plan should receive dental care only at a contracted office to receive the benefit.
Dental Discount Plan
Technically this is not a type of dental plan because this plan doesn’t pay the cost of dental treatment received by the members. Instead, this plan also has a network of dentists who agree to participate in the discount plan. The dentists included in the network provide dental care or dental treatment to the members of the plan at a discount price. The dental discount plans are very low-cost or free but are of limited value.
What Does Dental Insurance Cover?
As an informed dental insurance shopper you should be aware that unlike health insurance, there are no set benefits that are covered by the dental plans. Most of the dental plans available in Arkansas just like any other state provide coverage for preventive dental treatments, along with basic and major dental procedures. Some of the common dental care services generally covered by most of the dental plans include:
- Cavity filling, root canals
- Dental Implants
Dental Carriers available in Arkansas
If you require a quality dental plan with great benefits, then you will find plenty of affordable full coverage dental plans in the different price range. Several leading dental carriers are operating in the state, some of them are:
- Guardian Direct
- Renaissance Dental
Some of the popular dental plans available in Arkansas
- Guardian Dental Advantage Gold
- Ameritas Hollywood Smile Plus 1500
- Guardian Direct Advantage Gold
- Dental for Everyone Gold PPO Plan offered by Delta Dental
- Dental for Everyone Immediate Coverage offered by Delta Dental