Quick Look: The Best Dental Insurance in Alabama
Got a toothache at Sweet Home Alabama? Several companies in Alabama offer affordable dental insurance. Benzinga has reviewed the best dental insurance plans to help you get the treatment and care you need in Alabama.
Best Dental Insurance Providers in Alabama
There is no “one size fits all” dental insurance in Alabama. Get quotes from the following companies to learn more about the best selection of services at affordable prices.
1. Delta Dental
Delta Dental offers a variety of dental insurance plans, including a PPO plan and an HMO plan so you can choose the coverage that best suits your needs and budget. The PPO plan includes free cleanings and the freedom to visit any of Alabama’s 500 dentists.
Teeth whitening services and fillings are also covered after 6 months on the plan. Root canals and crowns are covered after one year. A basic plan covers dental fillings and extractions after 6 months if you prefer to focus your coverage on preventative care. You will pay an annual deductible of $50 with preventive care at no cost. It includes cleanings, exams and x-rays at just over $13 per month for individual coverage.
Nationwide is known for providing comprehensive insurance services. The company’s Multiflex dental insurance plan offers guaranteed acceptance for you and all your qualified family members.
The Classic plan offers a maximum benefit per calendar year of $1,500 and the Select Plus plan caps the benefit at $2,000. It covers specific preventive, basic and major services.
Nationwide’s Advantage Plus dental plan pays 80% for oral exams and cleanings, up to $300 per calendar year.
3. Blue Cross Blue Shield of Alabama
People who want dental coverage for their whole family
Blue Cross Blue Shield (BCBS) of Alabama offers excellent options for oral surgeries and surgeries with general anesthesia. Whether in-network or out-of-network, the cost is split 50/50 – this can make paying for dental surgeries easier and more affordable.
You will find that there is a waiting period of 365 days for the main services to take effect. It’s $50 per registered member per calendar year, so BCBS avoids paying for expensive dental surgeries.
Orthodontic services for adults and children
Need dental insurance in Alabama, but no expensive root canals or crowns? Ameritas is a solid option. Ameritas offers a plan that covers one exam and cleaning per year – a great option if you take great care of your teeth. Ameritas dental rewards program could also save you money.
If you don’t use Ameritas coverage for a year, it rolls over any dollars you would have spent to the next year. Let’s say you had a good dental checkup this year, but next year you find out you need a root canal. Ameritas will cover more of the costs as it carries over savings from the previous year.
Save money on dental costs
DeltaPlans.com does a great job of taking care of those little teeth. Coverage includes preventive care and x-rays. You can also add a cover for the braces if your child needs it.
Dental Plans.com can also cover other useful oral hygiene tools such as sealants. DentalPlans also offers plans on state and government-backed insurance exchanges, so it’s easy to find coverage that meets your needs and budget.
Types of dental coverage
You can choose from different types of dental coverage, including PPO, DHMO, service fees, and discounted dental plans.
- Organizational Preferred Provider (OPP) Plans: PPOs offer an extensive network of dental providers – you can choose from a group of dentists. You will pay a cheaper rate than the dentist has agreed to accept. This percentage depends on the type of cover. For example, you will pay a certain percentage for preventive services, but you will pay a different percentage for diagnostic services and major services.
- Dental Health Maintenance Organization (DHMO) Plans: DHMO dental coverage requires you to choose one dentist and one dental facility for all of your oral hygiene needs. Your GP should refer you if you need to see a specialist. DHMO plans have no copays, deductibles or maximums. You are responsible for all costs if you visit a dentist outside the network.
- Fee-for-service dental plans: Fee-for-service plans (also known as traditional plans or indemnity plans) generally offer the largest selection of dentists. You usually pay a percentage (coinsurance) for each plan, and as with PPO plans, the percentage varies depending on the service. The difference between a fee-for-service plan and a PPO plan is that you may pay a little more for dental care, but you will be able to see any dentist who accepts your insurance plan.
- Discount Dental Plans: This type of plan isn’t exactly insurance, but many companies have contracts with local dentists in Alabama to provide coverage at a pre-negotiated rate. These plans are usually available as discounted savings cards. There is no waiting period, no deductible and no maximum and you will not pay the same amount as a full-fledged dental insurance plan.
What does dental insurance cover?
Dental insurance covers part of the cost of dental care and procedures, including preventative care, tooth extractions, fillings, crowns, root canals and some oral surgeries. Some plans also cover braces and dentures.
We advise you to consult the guidelines and coverages of the plans you are looking for. One HMO can be better than another, and while plan categories tend to behave consistently, you never know when an HMO will be better than a PPO or vice versa.
What does dental insurance not cover?
Dental insurance does not cover certain elective or cosmetic procedures such as teeth whitening or sealants. There is usually a maximum cap on what dental insurance will pay for certain procedures and treatments. Once you hit the cap, you are responsible for the rest. You may also have time limits for certain services, including fillings or bridges on the same tooth, dental x-rays, or fluoride treatments for children. Dental insurance usually doesn’t cover pre-existing conditions either.
At the same time, some plans are very specific about what they don’t cover, while others are not. If you’re not sure what the plan doesn’t cover, you should contact the carrier directly for a clear answer.
Average cost of dental insurance in Alabama
Individual dental insurance policies tend to cost around $45 per month. That’s about $15 more than employer-sponsored plans. You’ll pay between $15 and $30 per month and coverage for your family errands between $27 and $56 per month. It all depends on the type of coverage you want and whether you choose coverage for braces or other major dental care.
What to look for in a dental provider
Make sure a dentist accepts your dental insurance. Learn about potential dentists’ approach to preventative dentistry as well as their protocol for after-hours emergency services. Learn about missed appointments, policies and general estimates for common procedures such as fillings, x-rays and cleanings.
You should also ask the firm if they accept families and children, if they have preferred partners to refer you to, or if they have other professionals in the firm. For example, many dentists can share a practice with a dental surgeon or a periodontist, allowing the two professionals to share patients and refer easily.
Find the Best Dental Insurance in Alabama
The right dental insurance coverage can go a long way in helping you maintain good oral hygiene. Whether you’re looking for routine cleanings and occasional x-rays or need more comprehensive coverage for fillings, crowns or root canals, take the time to research your options and get free quotes. There is a dental insurance plan for you!
Frequently Asked Questions
Does dental insurance cover braces?
Yes, dental insurance can cover braces, but you must check your policy to find out the amount paid.
Does dental insurance require a co-payment?
Some dental insurance plans require a copy at the time of service and some do not.