Residents of Maine looking to shop for the stand-alone dental plan have two ways to get dental coverage. They can either receive dental coverage as a part of their health plan, or they need to purchase it separately as a stand-alone dental plan. Individuals need to know that dental coverage is included in some Marketplace health plans, and while shopping for health insurance if individuals want to have dental coverage, then they should look for health plans that include dental coverage. However, if an individual prefers to have a separate stand-alone dental plan, then the person will find some good dental plans available in Maine that offer comprehensive dental coverage. Individuals will be required to pay a separate, additional premium.
Individuals need to be aware that oral or dental issues can occur at any stage of life, either due to lack of dental care or because of an illness or injury. Whatever the reason might be but it is a fact that visiting a dentist is an expensive affair so people need to have dental insurance that will help them save money while visiting dentists along with offering some vital dental benefits. Since most of the major health plans generally don’t cover dental insurance, so individuals enrolled in such health plans will have to get separate dental coverage. Different types of dental plans are available in Maine that differs in terms of the monthly premium, a network of dentists, and the cost of dental care on using the insurance. Individuals should shop for the dental plan that best fits their needs and budget for dental care.
Different Types of Dental Plans available in Maine
Dental insurance carriers offering stand-alone dental plans in Maine understand that all individuals will not have a similar type of dental care needs, and they will look for a dental plan that specifically suits their dental care requirements and also fit in their budget. Thus, to serve every resident of the state, dental carriers have come up with different types of dental plans for people to pick a plan that best meets their dental needs and also falls in their budget. Types of dental plans available in Maine are:
Dental Preferred Provider Organization
PPO dental plans have a network of dentists that associate with the dental carrier to provide dental care services to the members of the plan at a discounted price. Thus, the costs of dental care turn out to be cheaper for members because the dentists included in the network agree to provide dental care to members at pre-negotiated rates. Members are free to visit an out-of-network dentist but it will significantly increase their out-of-pocket costs. While visiting an in-network dentist, members will just have to pay a copay amount, and their dental carrier will cover the rest amount.
Dental Health Maintenance Organization
DHMO the least expensive dental plan in which members are required to choose a primary care dentist to whom they will visit in case if they experience any type of dental issue. The primary care dentist manages and coordinates their oral health care needs. Dental HMO plans provide low-cost coverage with a focus on preventive care, as these plans are designed to encourage regular dental visits and check-ups at a low cost and minimal or no copayments. These dental plans do not have exclusion for pre-existing conditions or missing teeth. On visiting an out-of-network dentist, members of the DHMO plan have to pay for their dental care expenses from their pockets. Members will need to obtain a referral from their primary care dentist for receiving specialist dental care services.
Indemnity Dental Plan
Dental indemnity plan or fee-for-service plan is a cost-effective dental plan that is easy to use. Members of the indemnity dental plan have the freedom to visit any licensed dentist to avail routine, preventive, diagnostic, or emergency dental care services. Members of this plan do not have to choose a primary care dentist or need to obtain specialist referrals. Members of the indemnity dental plans are required to pay upfront for the received dental care costs and they are reimbursed by their dental carriers later on.
Dental Discount Plans
Dental discount plan is not technically an insurance plan but is more like a discount offer. The low-cost discount dental plans in Maine, members of this plan can save 20% to 60% on a wide range of dental care services like cleanings, root canals, dentures, and even orthodontics. Discount dental plans have no waiting period, no limits on use, no restrictions, and no age limits and there are no deductibles, no copays, and no maximums. This plan has an extensive nationwide network of dentists who agree to render dental care services to members at a discounted price. Members of discounted dental plans don’t have to file claims, as they receive a discount on availing dental care services.
Maine residents before choosing a type of dental plan should make sure that they thoroughly research all the options available to them to select the best dental plan. Depending upon their coverage needs, requirements, and budget individuals will be able to accordingly select a plan.
Benefits Covered by Maine Dental Plans
Maine dental insurance works exactly like health insurance in which members are entitled to receive certain dental benefits after paying a monthly premium. Dental plans in Maine vary in terms of covered dental benefits, price, and out-of-pocket costs. The premium of dental plans depends upon the benefits covered under the plan. Some comprehensive dental plans in Maine cover specific types of dental implants, oral surgeries, or orthodontia. However, the rest of the dental plans available in Maine cover the normal dental services such as:
- Regular cleaning and check-ups
- Root canals
- Oral surgery
Major Features of Maine Dental Plans
- Dental plans in Maine start at a low monthly cost, with plans starting at $13.00 a month.
- Some dental plans in Maine have no waiting period, as members can avail of the dental benefits within days of signing up.
- No individual can be denied dental coverage.
- Individuals can obtain dental insurance at any age.
- Dental carriers associate with credentialed dentists throughout Maine to render quality service.
- Some dental plans also provide coverage for orthodontics.
- Members of dental plans enjoy good savings at dental specialists.
- Some dental plans allow members to save on implants & major services.
Dental Insurance Carriers offering Dental Plans in Maine
- Blue Cross Dental Insurance
- Delta Dental Insurance
- AAA Dental Insurance
- MetLife Dental Insurance
- Aetna Dental Insurance
- Cigna Dental Insurance
Best Selling Dental Plans in Maine
- Ameritas Hollywood Smile 2000 Plan
- Ameritas Hollywood Smile Plus 1500 Plan
- Ameritas Hollywood Smile Plus 2000 Plan