With both private and government-funded adult health insurance plans not providing dental coverage, residents of Delaware state are not left with any option other than buying an individual dental plan. In a study, it was revealed that around two-thirds of Americans had private dental coverage and out of these 93% of Americans get private coverage through an employer or other group program. It also revealed that less than 1% of the population having dental coverage had dental benefits as a part of their health plans and around 7% of these population bought individual dental coverage. Thus, residents of Delaware also need to understand the significance of buying an individual dental plan that will help them make oral health a priority. Oral care is expensive and people who need to frequently visit the dentist can save substantially on dental costs by having an ideal dental plan for themselves and their families. Delaware residents will find plenty of individual dental plan options offered by different dental insurance carriers operational in their state.
Significant Features of Delaware Dental Plans
- Dental plans in Delaware are available at low cost, starting at just $13 a month
- Individuals purchasing a dental plan can avail the benefits within days
- Individuals of any age can enroll in a dental plan available in Delaware
- No individual can be denied dental coverage in the state.
- Individuals save on the dental care costs while their visit to dental specialists
- Individuals can save on major dental care services and dental implants
Types of Dental Plans available in Delaware
Three types of dental insurance plans are available in Delaware, and residents can choose a dental plan based upon their dental care needs and budget. Three types of dental plans available in Delaware are:
PPO Dental Plan
Preferred Provider Organization dental plans are dental plans that contract with a network of dentists to render dental care services to all members of the plan at a pre-negotiated discounted rate. Members of the PPO dental plans have to pay a fixed monthly premium to avail dental care at reduced costs. Enrollees of the PPO dental plans are supposed to visit only participating dentists to receive dental care services. Though members can visit out of network with a PPO plan but this will dramatically increase their out-of-pocket costs.
Indemnity Dental Plan
Indemnity dental plans allow members to visit any dentist of their choice, as there is no network of dentists in this plan. Though members of the Indemnity dental plan are free to visit any dentist but their dental insurance carriers will only pay for Usual, Customary, and Reasonable amount. This means that claim is not filed by the enrollees but the dentist submits the claim to the insurance carrier on the behalf of the enrollees. The insurance carrier then checks the claim amount with the dentist of their network to determine the amount they would have changed. The insurance carrier then only pays the amount that their network dentist would have charged. The remaining amount of the dental services will be paid by the members themselves.
Discount Dental Plan
Dental discount plans are not exactly dental insurance plans but are like buying a membership where members of the plan are given discounts for specific dental care services received by them. Members of the dental discount plan are required to visit dentists that are included in the plan network to receive the discounts. Members on availing dental care are required to pay the dentist the specified discounted amount mentioned on the card. Members of dental discount plans do not have to fill out any claim form and they are not even billed.
Benefits that are Normally Covered under Dental Plans
A majority of the dental insurance plans available in Delaware provide coverage for the following benefits:
Dental plans in Delaware provide coverage for preventive dental care like routine visits to the dentists and cleaning.
Dental Plans provide coverage for restorative care like fillings and crowns.
Most dental plans provide coverage for minor surgical procedures like tooth removal, tissue biopsy, and surgery for minor oral infections.
Dental plans that provide endodontics coverage cover major dental procedures like root canals.
Dental Insurance Carriers in Delaware
- Delta Dental
Popular Dental Plans available in Delaware
- Hollywood Smile 1500
- Hollywood Smile Plus 2000
- Dental for Everyone Diamond
- Dental for Everyone Gold
- Immediate Coverage Plan
- Advantage Gold
- Loyalty Plus
- Classic Select 2000
- Max Choice
- Dental for Everyone Gold Premier
- Classic 2000 dental plan