Provide your Teeth with the Best Dental Insurance Possible in Illinois
The significance of having a stand-alone dental insurance plan is no more a secret, as everyone in Illinois state is well aware of the benefits of having dental coverage. Besides, they very well know that the Affordable Care Act doesn’t provide dental coverage and dental insurance is not included as an essential benefit that insurance carriers are supposed to offer. Residents of Illinois need to buy an individual dental plan as per the dental care needs and their budget. Dental insurance carriers don’t have a specific list of benefits that they are supposed to offer to the members of the plan, and every dental carrier chooses some of the dental care services and includes them in their plan’s benefit. Thus, the individuals need to go through the plan’s benefits and list of inclusions so they are not surprised when filing a claim. Thus, individuals not having dental coverage in the Prairie State need to invest in a good dental plan that will meet their mission of good oral health.
Types of Dental Plans available in Illinois
Illinois residents often find difficulty in finding an affordable dental plan with the right coverage. Thus, such individuals can take the help of insurance advisors or a portal like InsureMeNow that assists them in picking the best dental plan available in their area exactly as per their dental care need. The right dental plan will provide them access to top-quality dentists in Illinois including general dentists, orthodontists, along other dental specialists. Different types of dental plans are available in Illinois to meet a variety of dental needs of different individuals. To choose the best dental plan available, residents of the state need to be aware of the different types of dental plans available.
Preferred Provider Organization Dental Plans
PPO dental plan provides members of the plan a list of dentists included in their plan’s network to whom they can visit to receive dental care services at discounted rates. Though members of this plan do have the option to visit even an out-of-network dentist but will be entitled to reduced benefits. Members of the PPO dental plans have the freedom to choose a dentist of their choice to receive dental care and this dental plan is expensive compared to other types of dental plans. A PPO dental plan has a larger network of dentists and members are allowed to switch dentists or see a specialist without requiring a referral from a primary care dentist. Members of this plan are required to meet a deductible and these plans also have an annual limit on the coverage amount.
Dental Health Maintenance Organization Plans
A DHMO is a low-cost dental coverage designed to encourage regular dental visits and check-ups while reducing spending. This dental plan focuses on preventive care so that members receive the required dental care at the right time. Most of the DHMO plans do not exclude pre-existing conditions or missing teeth. Members of this dental plan are required to select a primary dentist who will be responsible to manage and coordinate their oral health needs. Members are required to visit an in-network dentist to obtain coverage for their dental treatment.
Discount Dental Plans
Discount dental plans are technically not a form of insurance because these plans do not cover the cost of any dental care treatment, rather members receive dental care services at discounted rates. Dentists included in the network have agreed to render dental services at a pre-negotiated price. This plan allows members to save 20% to 60% of the cost on a wide range of dental care services such as cleanings, root canals, dentures, and even orthodontics for children and adults. The best thing about the discount dental plan is that this plan has no waiting period, no limits on use, no age limits, and has an extensive nationwide network of dentists.
Benefits Covered under Dental Plans in Illinois
Different dental plans available in Illinois provide a wide range of dental procedures. Dental care benefits differ from one dental plan to another and Illinois residents are advised to carefully check the benefits before enrolling in a dental plan. However, some of the most common dental benefits include routine dental care like cleanings and exams that help to avoid major dental issues. Most of the dental plans available in Illinois provide 100% coverage for preventive dental care costs like cleanings, regular exams, and x-rays that help people avoid dental issues in the future. Besides preventive dental care, dental plans also provide 80% coverage of basic dental care services like cavity fillings, root canals, and crowns. In addition to this, dental plans also provide 50% coverage of major dental care services that are carried out to correct major dental issues like dental implants, bridges, and dentures.
Dental Insurance Carriers in Illinois
Some of the popular dental carriers operating in Illinois are:
- Delta Dental
- Guardian Direct
- Physicians Mutual