West Virginia Dental Insurance Plans,
 West Virginia Dental Plans,
 West Virginia Discount Dental Plans, West Virginia Dentists
Click here to find Dental Plans in West Virginia or a Dentist

Select a city in West Virginia to Find a Dentist and Dental Plans.
 Our West Virginia Dentist Referral and Dentist Search
provides you with the best West Virginia Dental Plans.
 

Accoville
Adrian
Advent
Albright
Alderson
Alkol
Allen Junction
Alloy
Alma
Alum Bridge
Alum Creek
Ameagle
Amherstdale
Amigo
Amma
Anawalt
Anmoore
Ansted
Apple Grove
Arbovale
Arnett
Arnoldsburg
Arthurdale
Artie
Asbury
Ashford
Ashton
Ashville
Athens
Auburn
Augusta
Aurora
Auto
Avondale
Baisden
Baker
Bakerton
Bald Knob
Ballard
Ballengee
Bancroft
Barboursville
Barrackville
Bartley
Bartow
Baxter
Bayard
Beaver
Beckley
Beech Bottom
Beeson
Belington
Belle
Belleville
Belmont
Belva
Bens Run
Bentree
Benwood
Berea
Bergoo
Berkeley Springs
Berwind
Bethany
Bethlehem
Beverly
Bickmore
Big Bend
Big Creek
Big Run
Big Sandy
Big Springs
Bim
Birch River
Blacksville
Blair
Blandville
Blennerhassett
Bloomery
Bloomingrose
Blount
Blue Creek
Blue Jay
Bluefield
Bob White
Bolt
Bomont
Boomer
Booth
Borderland
Bowden
Bradley
Bradshaw
Bramwell
Branchland
Brandonsville
Brandywine
Breeden
Brenton
Bretz
Bridgeport
Bristol
Brohard
Brookhaven
Brownton
Bruceton Mills
Bruno
Buckeye
Buckhannon
Bud
Buffalo
Bunker Hill
Burlington
Burnsville
Burton
Cabin Creek
Cabins
Cairo
Caldwell
Calvin
Camden
Camden on Gauley
Cameron
Camp Creek
Cannelton
Canvas
Capels
Capon Bridge
Capon Springs
Caretta
Carolina
Cass
Cassville
Cedar Grove
Cedarville
Center Point
Centralia
Ceredo
Chapmanville
Charles Town
Charleston
Charlton Heights
Charmco
Chattaroy
Chauncey
Chesapeake
Chester
Chloe
Circleville
Clarksburg
Clay
Clear Creek
Clear Fork
Clendenin
Cleveland
Clio
Clothier
Coal City
Coal Mountain
Coalton
Coalwood
Colcord
Colfax
Colliers
Comfort
Cool Ridge
Copen
Cora
Core
Corinne
Costa
Cottageville
Covel
Cowen
Coxs Mills
Crab Orchard
Craigsville
Crawford
Crawley
Creston
Crichton
Cross Lanes
Crum
Crumpler
Cucumber
Culloden
Cyclone
Dailey
Dallas
Danese
Daniels
Danville
Davin
Davis
Davisville
Davy
Dawes
Deep Water
Delbarton
Dellslow
Delray
Diana
Dille
Dingess
Dixie
Dorothy
Dothan
Drennen
Dry Creek
Drybranch
Dryfork
 
Duck Dunbar
Dunlow
Dunmore
Durbin
East Bank
East Lynn
Eccles
Eckman
Edgarton
Edmond
Eglon
Elbert
Eleanor
Elizabeth
Elk Garden
Elkhorn
Elkins
Elkview
Ellamore
Ellenboro
Elmira
Elton
English
Enterprise
Erbacon
Eskdale
Ethel
Evans
Everettville
Exchange
Fairdale
Fairlea
Fairmont
Fairview
Falling Rock
Falling Waters
Fanrock
Farmington
Fayetteville
Fenwick
Fisher
Flat Top
Flatwoods
Flemington
Follansbee
Folsom
Forest Hill
Fort Ashby
Fort Gay
Fort Spring
Foster
Four States
Frametown
Frankford
Franklin
Fraziers Bottom
Freeman
French Creek
Frenchton
Friendly
Gallagher
Gallipolis Ferry
Galloway
Gandeeville
Gap Mills
Gary
Gassaway
Gauley Bridge
Gay
Genoa
Gerrardstown
Ghent
Gilbert
Gilboa
Gilmer
Given
Glace
Glady
Glasgow
Glen
Glen Dale
Glen Daniel
Glen Easton
Glen Ferris
Glen Fork
Glen Jean
Glen Morgan
Glen Rogers
Glen White
Glengary
Glenhayes
Glenville
Glenwood
Gordon
Gormania
Grafton
Grant Town
Grantsville
Granville
Grassy Meadows
Great Cacapon
Green Bank
Green Spring
Green Sulphur Springs
Greenville
Griffithsville
Grimms Landing
Gypsy
Hacker Valley
Halltown
Hambleton
Hamlin
Hampden
Handley
Hanover
Hansford
Harman
Harper
Harpers Ferry
Harrisville
Hartford
Harts
Havaco
Haywood
Hazelton
Heaters
Hedgesville
Helen
Helvetia
Hemphill
Henderson
Hendricks
Henlawson
Hensley
Hepzibah
Herndon
Hernshaw
Hewett
Hiawatha
Hico
High View
Highland
Hillsboro
Hilltop
Hines
Hinton
Holden
Hometown
Horner
Hugheston
Hundred
Huntington
Hurricane
Huttonsville
Iaeger
Idamay
Ikes Fork
Independence
Indore
Industrial
Institute
Inwood
Ireland
Isaban
Itmann
Ivydale
Jacksonburg
Jane Lew
Jeffrey
Jenkinjones
Jesse
Jodie
Jolo
Jonben
Josephine
Julian
Jumping Branch
Junction
Junior
Justice
Kanawha Falls
Kanawha Head
Kearneysville
Kegley
Kellysville
Kenna
Kenova
Kerens
Kermit
Keslers Cross Lanes
Keyser
Keystone
Kiahsville
Kieffer
Kilsyth
Kimball
Kimberly
Kincaid
Kingmont
Kingwood
Kistler
Kopperston
Kyle
Lahmansville
Lake
Lakin
Lanark
Lansing
Lashmeet
Lavalette
Layland
 
Le Roy Leckie
Leewood
Left Hand
Leivasy
Lenora
Lenore
Leon
Lerona
Lesage
Leslie
Lester
Letart
Levels
Lewisburg
Liberty
Linden
Lindside
Linn
Little Birch
Littleton
Lizemores
Lochgelly
Lockney
Logan
London
Lookout
Looneyville
Lorado
Lorentz
Lorton
Lost City
Lost Creek
Lumberport
Lyburn
Lynco
Maben
Mabie
Mabscott
Mac Arthur
Macfarlan
Madison
Maidsville
Mallory
Mammoth
Man
Mannington
Marianna
Marlinton
Marmet
Martinsburg
Mason
Masontown
Matewan
Matheny
Mathias
Matoaka
Maxwelton
Maybeury
Maysel
Maysville
Mc Graws
Mc Mechen
Meador
Meadow Bluff
Meadow Bridge
Meadow Creek
Meadowbrook
Medley
Metz
Miami
Middlebourne
Midkiff
Midway
Milam
Mill Creek
Millstone
Millville
Millwood
Milton
Minden
Mineral Wells
Moatsville
Mohawk
Monaville
Montana Mines
Montcalm
Monterville
Montgomery
Montrose
Moorefield
Morgantown
Moundsville
Mount Alto
Mount Carbon
Mount Clare
Mount Gay
Mount Hope
Mount Lookout
Mount Nebo
Mount Olive
Mount Storm
Mount Zion
Mountain
Mullens
Munday
Myra
Nallen
Naoma
Napier
Naugatuck
Nebo
Nellis
Nemours
Neola
Nettie
New Creek
New Cumberland
New Haven
New Manchester
New Martinsville
New Milton
New Richmond
Newburg
Newell
Newhall
Newton
Newtown
Nimitz
Nitro
Nolan
Normantown
North Matewan
North Spring
Northfork
Norton
Nutter Fort
Oak Hill
Oakvale
Oceana
Odd
Ohley
Old Fields
Omar
Ona
Onego
Orgas
Orlando
Orma
Osage
Ottawa
Ovapa
Paden City
Page
Pageton
Palestine
Panther
Parkersburg
Parsons
Paw Paw
Pax
Paynesville
Peach Creek
Pecks Mill
Pence Springs
Pennsboro
Pentress
Perkins
Petersburg
Peterstown
Petroleum
Peytona
Philippi
Pickens
Piedmont
Pinch
Pine Grove
Pineville
Piney View
Pipestem
Poca
Point Pleasant
Points
Pond Gap
Pool
Porters Falls
Powellton
Powhatan
Pratt
Premier
Prichard
Prince
Princeton
Princewick
Procious
Proctor
Prosperity
Pullman
Purgitsville
Pursglove
Quinwood
Rachel
Racine
Ragland
Rainelle
Raleigh
Ramsey
Ranger
Ranson
Ravencliff
Ravenswood
Rawl
 
Raysal Reader
Red Creek
Red House
Red Jacket
Redstar
Reedsville
Reedy
Renick
Reynoldsville
Rhodell
Richwood
Ridgeley
Ridgeview
Ridgeway
Rio
Ripley
Rippon
Riverton
Rivesville
Robson
Rock
Rock Cave
Rock Creek
Rock View
Rockport
Roderfield
Romney
Ronceverte
Rosedale
Rosemont
Rowlesburg
Rupert
Sabine
Saint Marys
Salem
Salt Rock
Sand Fork
Sandstone
Sandyville
Sarah Ann
Saulsville
Saxon
Scarbro
Scott Depot
Secondcreek
Selbyville
Seneca Rocks
Seth
Shady Spring
Shanks
Sharon
Sharples
Shenandoah Junction
Shepherdstown
Sherman
Shiloh
Shinnston
Shirley
Shoals
Shock
Short Creek
Short Gap
Simon
Simpson
Sinks Grove
Sissonville
Sistersville
Skelton
Skygusty
Slab Fork
Slanesville
Slatyfork
Smithburg
Smithers
Smithfield
Smithville
Smoot
Snowshoe
Sod
Sophia
South Charleston
Southside
Spanishburg
Spelter
Spencer
Sprague
Spring Dale
Springfield
Spurlockville
Squire
St Albans
Stanaford
Star City
Statts Mills
Stephenson
Stirrat
Stollings
Strange Creek
Sugar Grove
Sumerco
Summerlee
Summersville
Summit Point
Surveyor
Sutton
Swiss
Switchback
Switzer
Sylvester
Tad
Talcott
Tallmansville
Tariff
Teays
Teays Valley
Terra Alta
Terry
Tesla
Thacker
Thomas
Thornton
Thorpe
Thurmond
Tioga
Tornado
Triadelphia
Troy
TRUE
Tunnelton
Turtle Creek
Twilight
Twin Branch
Uneeda
Union
Upper Tract
Upperglade
Valley Bend
Valley Chapel
Valley Fork
Valley Grove
Valley Head
Van
Varney
Verdunville
Verner
Victor
Vienna
Volga
Vulcan
Wadestown
Waiteville
Walker
Walkersville
Wallace
Wallback
Walton
Wana
War
Wardensville
Warriormine
Waverly
Wayne
Wayside
Webster Springs
Wedowee
Weirton
Welch
Wellsburg
West Columbia
West Hamlin
West Liberty
West Milford
West Union
Weston
Westover
Wharncliffe
Wharton
Wheeling
White Oak
White Sulphur Springs
Whitesville
Whitman
Whitmer
Whittaker
Widen
Wilcoe
Wiley Ford
Wileyville
Wilkinson
Williamsburg
Williamson
Williamstown
Wilsie
Wilsonburg
Wilsondale
Windsor Heights
Winfield
Winifrede
Winona
Wolf Pen
Wolfcreek
Wolfe
Woodville
Worth
Worthington
Wyatt
Wyco
Yawkey
Yellow Spring
Yolyn
Yukon
 

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.