Kansas Dental Insurance Plans,
 Kansas Dental Plans,
 Kansas Discount Dental Plans, Kansas Dentists
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Plevna
Abbyville
Abilene
Admire
Agenda
Agra
Albert
Alden
Alexander
Allen
Alma
Almena
Alta Vista
Altamont
Alton
Altoona
Americus
Andale
Andover
Anthony
Arcadia
Argonia
Arkansas City
Arlington
Arma
Arnold
Ashland
Assaria
Atchison
Athol
Atlanta
Attica
Atwood
Auburn
Augusta
Aurora
Axtell
Baileyville
Baldwin City
Barnard
Barnes
Bartlett
Basehor
Baxter Springs
Bazine
Beattie
Beaumont
Beeler
Bel Aire
Belle Plaine
Belleville
Beloit
Belpre
Belvue
Bendena
Benedict
Bennington
Bentley
Benton
Bern
Berryton
Beverly
Bird City
Bison
Blue Mound
Blue Rapids
Bluff City
Bogue
Bonner Springs
Bremen
Brewster
Bronson
Brookville
Brownell
Bucklin
Bucyrus
Buffalo
Buhler
Bunker Hill
Burden
Burdett
Burdick
Burlingame
Burlington
Burns
Burr Oak
Burrton
Bushton
Byers
Caldwell
Cambridge
Caney
Canton
Carbondale
Cassoday
Catharine
Cawker City
Cedar
Cedar Point
Cedar Vale
Centerville
Centralia
Chanute
Chapman
Chase
Chautauqua
Cheney
Cherokee
Cherryvale
Chetopa
Cimarron
Circleville
Claflin
Clay Center
Clayton
Clearview City
Clearwater
Clifton
Clyde
Coats
Coffeyville
Colby
Coldwater
Collyer
Colony
Columbus
Colwich
Concordia
Conway Springs
Coolidge
Copeland
Corning
Cottonwood Falls
Council Grove
Courtland
Coyville
Crestline
Cuba
Cummings
Cunningham
Damar
Danville
De Soto
Dearing
Deerfield
Delia
Delphos
Denison
Dennis
Denton
Derby
Dexter
Dighton
Dodge City
Dorrance
Douglass
Dover
Downs
Dresden
Durham
Dwight
 
Easton
Edgerton Edna
Edson
Edwardsville
Effingham
El Dorado
Elbing
Elk City
Elk Falls
Elkhart
Ellinwood
Ellis
Ellsworth
Elmdale
Elsmore
Elwood
Emmett
Emporia
Englewood
Ensign
Enterprise
Erie
Esbon
Eskridge
Eudora
Eureka
Everest
Fairview
Fairway
Fall River
Falun
Farlington
Florence
Fontana
Ford
Formoso
Fort Leavenworth
Fort Riley
Fort Scott
Fostoria
Fowler
Frankfort
Franklin
Fredonia
Freeport
Frontenac
Fulton
Galena
Galesburg
Galva
Garden City
Garden Plain
Gardner
Garfield
Garland
Garnett
Gas
Gaylord
Gem
Geneseo
Geuda Springs
Girard
Glade
Glasco
Glen Elder
Goddard
Goessel
Goff
Goodland
Gorham
Gove
Grainfield
Grantville
Great Bend
Greeley
Green
Greenleaf
Greensburg
Greenwich
Grenola
Gridley
Grinnell
Gypsum
Haddam
Halstead
Hamilton
Hanover
Hanston
Hardtner
Harper
Hartford
Harveyville
Havana
Haven
Havensville
Haviland
Hays
Haysville
Hazelton
Healy
Hepler
Herington
Herndon
Hesston
Hiawatha
Highland
Hill City
Hillsboro
Hillsdale
Hoisington
Holcomb
Hollenberg
Holton
Holyrood
Home
Hope
Horton
Howard
Hoxie
Hoyt
Hudson
Hugoton
Humboldt
Hunter
Hutchinson
Independence
Ingalls
Inman
Iola
Isabel
Iuka
Jamestown
Jennings
Jetmore
Jewell
Johnson
Junction City
Kanopolis
Kanorado
Kansas City
Kechi
Kendall
Kensington
Kincaid
Kingman
Kinsley
Kiowa
Kirwin
Kismet
La Crosse
La Cygne
La Harpe
Lake City
Lakin
Lamont
Lancaster
Lane
Lansing
Larned
Latham
Lawrence
 
Le Roy
Leavenworth Leawood
Lebanon
Lebo
Lecompton
Lehigh
Lenexa
Lenora
Leon
Leonardville
Leoti
Levant
Lewis
Liberal
Liberty
Liebenthal
Lincoln
Lincolnville
Lindsborg
Linn
Linwood
Little River
Logan
Long Island
Longford
Longton
Lorraine
Lost Springs
Louisburg
Louisville
Lucas
Ludell
Luray
Lyndon
Lyons
Macksville
Madison
Mahaska
Maize
Manhattan
Mankato
Manter
Maple City
Maple Hill
Mapleton
Marienthal
Marion
Marquette
Marysville
Matfield Green
Mayetta
Mayfield
Mc Cracken
Mc Cune
Mc Donald
Mc Farland
Mc Louth
McConnell AFB
McPherson
Meade
Medicine Lodge
Melvern
Meriden
Merriam
Milan
Milford
Milton
Miltonvale
Minneapolis
Minneola
Mission
Mission Hills
Mission Woods
Moline
Montezuma
Monument
Moran
Morganville
Morland
Morrill
Morrowville
Moscow
Mound City
Mound Valley
Moundridge
Mount Hope
Mulberry
Mullinville
Mulvane
Munden
Murdock
Muscotah
Narka
Nashville
Natoma
Neal
Nekoma
Neodesha
Neosho Falls
Neosho Rapids
Ness City
Netawaka
New Albany
New Cambria
New Century
Newton
Nickerson
Niotaze
Norcatur
North Newton
Norton
Nortonville
Norway
Norwich
Oakley
Oberlin
Offerle
Ogallah
Ogden
Oketo
Olathe
Olmitz
Olpe
Olsburg
Onaga
Oneida
Opolis
Osage City
Osawatomie
Osborne
Oskaloosa
Oswego
Otis
Ottawa
Overbrook
Overland Park
Oxford
Ozawkie
Palco
Palmer
Paola
Paradise
Park
Park City
Parker
Parsons
Partridge
Pawnee Rock
Paxico
Peabody
Peck
Penokee
Perry
Peru
Pfeifer
Phillisburg
Piedmont
Pierceville
Piqua
Pittsburg
Plains
 
Plainville
Pleasanton
Pomona
Portis
Potter
Potwin
Powhattan
Prairie View
Prairie Village
Pratt
Prescott
Pretty Prairie
Princeton
Protection
Quenemo
Quinter
Rago
Ramona
Randall
Randolph
Ransom
Rantoul
Raymond
Reading
Redfield
Republic
Rexford
Richfield
Richmond
Riley
Riverton
Robinson
Rock
Roeland Park
Rolla
Rosalia
Rose Hill
Roseland
Rossville
Roxbury
Rozel
Rush Center
Russell
Sabetha
Saint Francis
Saint George
Saint John
Saint Marys
Saint Paul
Salina
Satanta
Savonburg
Sawyer
Scammon
Scandia
Schoenchen
Scott City
Scranton
Sedan
Sedgwick
Selden
Seneca
Severy
Sharon
Sharon Springs
Shawnee
Shawnee Mission
Silver Lake
Simpson
Smith Center
Soldier
Solomon
South Haven
South Hutchinson
Spearville
Spivey
Spring Hill
Stafford
Stark
Sterling
Stilwell
Stockton
Strong City
Stull
Stuttgart
Sublette
Summerfield
Sun City
Sycamore
Sylvan Grove
Sylvia
Syracuse
Talmage
Tampa
Tecumseh
Tescott
Thayer
Tipton
Tonganoxie
Topeka
Toronto
Towanda
Treece
Tribune
Troy
Turon
Tyro
Udall
Ulysses
Uniontown
Utica
Valley Center
Valley Falls
Vassar
Vermillion
Victoria
Viola
Virgil
Wa Keeney
Wakarusa
Wakefield
Waldo
Waldron
Walker
Wallace
Walnut
Walton
Wamego
Waterville
Wathena
Waverly
Webber
Weir
Welda
Wellington
Wellsville
Weskan
West Mineral
Westmoreland
Westphalia
Westwood
Wetmore
Wheaton
White City
White Cloud
Whitewater
Whiting
Wichita
Williamsburg
Wilmore
Wilsey
Wilson
Winchester
Windom
Winfield
Winona
Woodbine
Woodston
Wright
Yates Center
Yoder
Zenda
 

or... you can select a different state from the list below
to find Dental Plans in that state.

 

Traditional dental insurance is often perceived as the best way to pay for dental expenses. And while dental insurance is an excellent option when sponsored by your employer, it may not be very cost effective when you are paying for it.

Most individual dental insurance plans require you to satisfy waiting periods and deductibles before having major and sometimes even minor restorative work done. Discount dental plans help make maintaining good oral health a lot more affordable. And, with no waiting periods or complicated coverage procedures, dental discount plans are about as simple as you can get.

How do discount dental plans work? As we become aware about our oral health, there has been a demand for affordable dental care. Discount dental plans are the newest option for those without coverage. These dental discount plans are much cheaper than traditional dental insurance, and also offer almost equal coverage for all dental work, even cosmetic procedures not covered by standard indemnity dental plans.

The catch is that dental discount plans are not really insurance at all. They work more like club memberships, where the cost of membership (your "premium") earns a steep discount on any club service (dental work) you buy. The discount normally applies to all dental office services performed by an approved "plan" dentist, but no procedure is covered completely.

What are the ins and outs of discount dental plans? When it comes to dental discount plans, the good news is afford ability, breadth of services, and immediate coverage. The bad news is greater financial risk and responsibility on your part.

Although the monthly cost of most discount dental plans is very low compared to the price of a traditional dental insurance or indemnity insurance policy, there's more allover financial risk with a dental discount plan. No care is totally covered, so an expensive procedure will mean a big out-of-pocket expense, even with the dental plan. And even when undergoing a low-cost service (like cleaning), you'll still be expected to pick up a part of the cost.

However, on the plus side, discount dental plans are effective immediately - so are many procedures you need now will be covered as soon as you buy the dental discount plan. Traditional indemnity and/or insurance dental plans usually impose a waiting period of between 6 and 18 months for any major procedure. The last "pro" is that all good dental discount plans should come with a money-back guarantee.

Indemnity Plans

This type of dental plan pays the dental office (dentist) on a traditional fee-for-service basis. A monthly premium is paid by the client and/or the employer to an insurance company, which then reimburses the dental office (dentist) for the services rendered. An insurance company usually pays between 50% - 80% of the dental office (dentist) fees for a covered procedures; the remaining 20% - 50% is paid by the client.

These plans often have a pre-determined or set deductible amount which varies from plan to plan. Indemnity plans also can limit the amount of services covered within a given year and pay the dentist based on a variety of fee schedules. Some typical features of these plans:

  • High deductibles before coverage begins (well-designed plans don't apply the deductible to preventive services)

  • Probationary periods on certain procedures that last up to a year

  • Annual dollar limit on benefits

  • Chose your own dentist

  • Your average monthly cost: $15 to $25

  • Companies selling these plans are regulated by state insurance departments.

Dental HMOs

These insurance plans, also known as "capitation plans," operate like their medical HMO cousins. This type of dental plan provides a comprehensive dental care to enrolled patients through designated provider office (dentist). A Dental Health Maintenance Organization (DHMO) is a common example of a capitation plan. The dentist is paid on a per capita (per person) basis rather than for actual treatment provided.

Participating dentists receive a fixes monthly fee based on the number of patients assigned to the office. In addition to premiums, client co-payments may be required for each visit. Some typical features of these plans:

  • Monthly premiums (some require you to prepay a year's worth)

  • Co-payments for office visits

  • Free preventive or routine care

  • You must select from an approved network of dentists

  • May have an initial enrollment fee

  • Annual dollar cap

  • Your average monthly cost: $5 to $15

  • Companies selling these plans are regulated by state insurance departments.

Preferred Provider Organizations

Another true insurance plan, a Preferred provider organizations ( PPO) falls somewhere between an indemnity plan and a dental HMO. This plan allows a particular group of patients to receive dental care from a defined panel of dentists. The participating dentist agrees to charge less than usual fees to this specific patient base, providing savings for the plan purchaser.

If the patient chooses to see a dentist who is not designated as a "preferred provider," that patient may be required to pay a greater share of the fee-for-service.  A group of dentists agrees to provide services at a deeply discounted rate, giving you substantial savings as long as you stay in their network. Unlike the more restrictive DHMO, though, you can go out of network and still receive some benefits. Some typical features of these plans:

  • Monthly premiums

  • Annual dollar cap

  • You must stay within the approved network of dentists or pay higher deductibles and co-payments

  • Your average monthly cost: $20-25

  • Companies selling these plans are regulated by state insurance departments.

Dental Discount

This type of dental plan is not insurance. The managing organizations have negotiated with local dental offices to establish a set price for a particular dental procedure and offer deep discounts (some up to 70%) off the regular ADA pricing code.

This plan has several advantages over traditional dental insurance plans, namely, there are no exclusions for pre-existing conditions. This allows a patient to receive immediate coverage for work without meeting any waiting period requirements.

Direct Reimbursement Plans

A dental care plan now coming into vogue is the direct reimbursement plan. This is a self-funded benefit plan not insurance in which an employer pays for dental care with its own funds, rather than paying premiums to an insurance company or third-party administrator.

You, the patient, pay the full amount directly to the dentist, then get a receipt detailing services rendered and the cost, which you show to your employer. The employer reimburses you for part or all of the dental costs, depending on your specific benefits.

Your company might reimburse 100 percent of your first $100 of dental expenses and then 80 percent of the next $500, and 50 percent of the next $2,000, with a total annual maximum benefit of $1,500. Or it might reimburse only 50 percent of your first $1,000, resulting in a $500 yearly cap.

Some typical features of a direct reimbursement plan:

  • Neither you nor your employer pay monthly premiums

  • Freedom to choose any dentist

  • Typical employer cost: depends on the number of employees and benefit caps

  • Benefits usually capped at $500 to $2,000 annually.

Dental care is quite different than medical care. Major illness can strike at any time and the costs can be enormous. Most dental disease is preventable and treatment is predictable. Regular checkups and professional cleaning can help maintain your oral health and so dental benefits are written to encourage patients to seek preventative care in order to prevent more serious dental problems.

What do you look for in choosing a plan?

Does the plan give you the freedom to choose your own dentist or are you restricted to a panel of dentists selected by the insurance company? If you have a family dentist with whom you are satisfied, consider the effects changing dentists will have on the quality or quantity of care you receive. Because regular visits to the dentist reduce the likelihood of developing serious dental disease, it's best to have and maintain an established relationship with a dentist you trust

Who controls treatment decisions--you and your dentist or the dental plan? Many plans require dentists to follow treatment plans that rely on a Least Expensive Alternative Treatment (LEAT) approach. If there are multiple treatment options for a specific condition, the plan will pay for the less expensive treatment option.

If you choose a treatment option that may better suit your individual needs and your long-term oral health, you will be responsible for paying the difference in costs. It's important to know who makes the treatment decisions under your plan. These cost control measures may have an impact on the quality of care you'll receive.

Does the plan cover diagnostic, preventive and emergency services? If so, to what extent? Most dental plans provide coverage for selected diagnostic services, preventive care and emergency treatment that are basic for maintaining good oral health.

But the extent or frequency of the services covered by some plans may be limited. Depending upon your individual oral health needs, you may be required to pay the dentist directly for a portion of this basic care. Find out how much treatment is allowed in any given year without cost to you, and how much you will have to pay for yourself.

  • Initial Oral Examination----once per dentist

  • Recall Examinations----twice per year

  • Complete x-ray survey----once every three years

  • Cavity-detecting bite-wing x-rays----once per year

  • Prophylaxis or teeth cleaning----twice per year

  • Topical Fluoride treatment----twice per year

  • Sealants----for those under age 18

What routine corrective treatment is covered by the dental plan? What share of the costs will be yours? While preventive care lessens the risk of serious dental disease, additional treatment may be required to ensure optimal health. A broad range of treatment can be defined as routine. Most plans cover 70 percent to 80 percent of such treatment. Patients are responsible for the remaining costs. Examples of routine care include:

  • Restorative care - amalgam and composite resin fillings and stainless steel crowns on primary teeth

  • Endodontics - treatment of root canals and removal of tooth nerves

  • Oral Surgery - tooth removal (not including bony impaction) and minor surgical procedures such as tissue biopsy and drainage of minor oral infections.

  • Periodontics - treatment of uncomplicated periodontal disease including scaling, root planning and management of acute infections or lesions

  • Prosthodontics--repair and/or relining or reseating of existing dentures and bridges.

What major dental care is covered by the plan? What percentage of these costs will you be required to pay? Since dental benefits encourage you to get preventive care, which often eliminates the need for major dental work, most plans are not generous when it comes to paying for major dental work, most plans cover less than 50 percent of the cost of major treatment.

Most plans limit the benefits--both in number of procedures and dollar amount--that are covered in a given year. Be aware of these restrictions when choosing your plan and as you and your dentist develop treatment best suited for you. Major dental care includes:

  • Restorative care--gold restorations and individual crowns

  • Oral Surgery--removal of impacted teeth and complex oral surgery procedures.

  • Periodontics--treatment of complicated periodontal disease requiring surgery involving bones, underlying tissues or bone grafts.

  • Orthodontics--treatment including retainers, braces and/or diagnostic materials.

  • Dental Implants--either surgical placement or restoration

  • Prosthodontics--fixed bridges, partial dentures and removable or fixed dentures.

Will the plan allow referrals to specialists? Will my dentist and I be able to choose the specialist? Some plans limit referrals to specialists. Your dentist may be required to refer you to a limited selection of specialists who have contracted with the plan's third party. You also may be required to get permission from the plan administrator before being referred to a specialist. If you choose a plan with these limitations, make sure qualified specialists are available in your area. Look for a plan with a broad selection of different types of specialists.

If you have children, you may prefer a plan that allows a pediatric dentist to be your child's primary care dentist. Since specialized treatment is generally more costly than routine care, some plans discourage the use of specialists. While many general practitioners are qualified to perform some specialized services, complex procedures often require the skills of a dentist with special training. Discuss the options with your dentist before deciding who is best qualified to deliver treatment.

Can you see the dentist when you need to, and schedule appointment times convenient for you? Dentists participating in closed panel or capitation plans may have select hours to see plan patients. They may schedule appointments for these patients on given days, or at specified hours of the day, restricting your access.

Some dentist's fees for seeing you on weekends or during emergencies are high than those the plan allows. You may be required to pay additional costs yourself. If you select these types of plans, have a clear understanding of your dentist's policies as well as the plan's dentist-to-patient ratio. It's the best way to ensure your access to care is not unduly restricted and that you are not surprised by higher fees the plan does not cover.

Insurance companies do their best to ensure that their policyholders understand their plans and benefits, but it is up to an individual to make sure that they are making informed choices. The differences in the various plans you can choose from are:

  • The type of third party funding the plan.

  • Methods of selecting a dentist.

  • Compensation of the dentist's services to you.

  • The calculations of benefits and payments.

Understanding these differences will enable you to make an informed decision when selecting a dental plan that is best for you or your family.