Kansas residents well know the fact that biannual visits to the dentist are crucial for maintaining oral as well as overall health. However, some of the residents are unaware of the fact that dental coverage is not included in their health insurance. Thus, if they visit the dentist either for regular dental check-ups or for some dental procedures, they will require to pay their dental care costs from their pocket, as dental care is not included as an essential benefit under the Affordable Care Act. This information should not scare the residents of the Sunflower State, as it is easy and simple to find affordable and comprehensive dental plans available in the state that offer them complete protection to their oral health. Kansas dental plan will give teeth and gums top-quality oral care and members of the dental plans will have access to a wide network of dentists offering discounts on some of the most sought-after dental services. With the dental plan of their choice, people can save ranging from 10% to 60% on the received dental care.
Individuals who are not sure which dental plan is right for them can seek advice and assistance from insurance professionals of a leading portal like InsureMeNow. The insurance agents or advisors will help them find the best dental plan that will cater to all their dental care needs within their budget. Like health insurance plans, dental plans don’t have a list of essential benefits that every dental plan needs to cover. Thus, dental carriers can pick and choose the dental care services and treatments that they will cover. Thus, individuals should prefer a dental plan that covers 100% of the cost of preventive dental care, 70% to 80% cost of basic dental care, and around 50% of the costs of major dental services. However, individuals selecting a lower-tier of a dental plan may not receive coverage for major services. Individuals are always advised to carefully read through their plan benefits before choosing an insurance provider.
Types of Dental Plans available in Kansas
Before selecting a dental plan in Kansas, residents of the state should read about the different dental plan options available in the state and the difference between each plan. Individuals while selecting a dental plan needs to pay attention to the benefits covered by the plan, monthly premium, and out-of-the-pocket costs associated with the plan. To know about different dental plans available in the state, find a quick overview of the types of dental plans available in the state.
Dental Health Maintenance Organization
A DHMO plan is a type of dental insurance plan having a defined network of providers. Members of the DHMO plan receive a list of dentists and dental offices within their network from their dental carriers. Members are required to visit a dentist from the plan network to avail dental care services, otherwise, they will not be able to use their insurance benefits. Undoubtedly, the DHMO plan is an affordable option compared to other types of dental plans, but DHMO plans are limiting, especially if an individual already has a dentist of his/her choice and that dentist is not included in the plan network.
Dental Preferred Provider Organization
A DPPO plan is a type of dental plan that provides members with more freedom and flexibility. Though this type of dental plan also has a network of dentists and dental offices, but members are free to visit the dentist of their choice. The dental PPO plan lets members use their dental benefits at any dental office, though members may pay a little more if they visit an out-of-network dentist. PPO dental plan is expensive compared to DHMO plans but this dental plan is worth the cost, especially for people who prefer visiting a dentist of their choice.
Discount Dental Plans
A discount dental plan is not typically a dental insurance plan, but it is rather an economical alternative to expensive dental plans. The low-cost dental discount plans in Kansas allow members of this plan to save 20% to 60% of dental care costs on a wide range of dental services. Individuals can save on diverse dental care services including everything from check-ups, cleanings, root canals, dentures, and also on Orthodontics for children and adults. The discount dental plans available in Kansas have no waiting period, no maximum limits on use, no age limits, no restrictions, and has an extensive nationwide network of dentists.
Highlights of the Kansas Dental Plans
- Quick Plan Activation
- No annual spending limits
- No waiting period for dental care
- Dental plans are tailored as per the need of the individuals
- Offer quality dental care service
- Low monthly cost
- An extensive network of dentist across the country
Benefits Covered under Kansas Dental Plans
Benefits covered under different types of dental plans in Kansas vary from plan to plan. An expensive dental plan offers more benefits compared to a low-cost dental plan. Thus, people need to pick a dental plan depending upon their budget and dental care requirements. Individuals who have more dental care needs due to frequent oral health problems should opt for a high-tier dental plan that offers comprehensive coverage whereas individuals who don’t have much dental care needs can opt for an affordable dental plan. However, some of the dental care benefits that are covered by a majority of the dental plans include:
A majority of the dental plans in Kansas cover 100% of the preventive treatments like:
- Routine dental exams
Most of the dental plans cover 70% to 80% of the basic dental care services like:
- Root canals
- Cavity fillings
Some of the dental plans cover 50% of the major dental procedures like:
Popular Dental Plans available in Kansas
Some of the popular dental plans available in the state are:
- 500 Series Dental Savings Plan
- Advantage Gold Dental Plan
- Hollywood Smile Plus 2000 Plan
Dental Insurance Carriers in Kansas
- Physicians Mutual
- Delta Dental
- Guardian Direct