How does Missouri Dental Insurance Work?
Dental insurance works very similar to health insurance. You typically pay a monthly premium and are then entitled to certain dental benefits usually including regular checkups, cleanings, x-rays and services to promote general health. While most plans provide these benefits, provide coverage much differently. Most companies put covered services into there categories: Preventative, Minor, Major. Every company is different on how they categorize. It is really important to look thoroughly look over policy benefits before you sign up for a plan.
Missouri has two different provider types that includes Indemnity plans and then also managed care plans. With an indemnity plan, you must pay up front and the carrier reimburses you at a later date. Managed-care plans typically maintain dental provider networks. For example, only certain dentists in Springfield, Missouri would contract with a Managed Care Plan. With this type of plan, dentists participating in network agree to perform services at pre-negotiated prices. Generally, you will have lower out of pocket costs and not have to worry about paperwork. With the indemnity, you will have a broader choice of dentists.
Most plans have waiting periods that usually include minor and major while some others even include preventative. These waiting periods can range anywhere from 6 to 12 months. Make sure to ask about the waiting period before you sign up for coverage. There are a few policies that don’t have waiting periods.
How to Shop for Dental Insurance in MO?
Working with an Independent Agent gives you the ability to get more than one quote. At Millennium Brokers, we offer plans with multiple companies to help you find a plan that the right we. We even have dental plans with NO WAITING PERIODS on Preventive, Minor and Major. You can get a quote online or give us a call at 417-773-7822.