When it comes to dental healthcare, it’s important to have a reliable and affordable dental insurance to cover the costs of the procedures. In Hawaii, there are several options available for dental insurance that cater to the unique needs of individuals and families. This guide will provide you with all the information you need to make an informed decision about dental insurance in Hawaii.
Types of Dental Insurance in Hawaii
Before you choose a dental insurance plan, it’s important to understand the different types of dental insurance available in Hawaii. Here are the four basic types of dental insurance:
Type of Dental Insurance |
Description |
Preferred Provider Organization (PPO) |
A PPO plan allows you to choose from a network of dentists and specialists. The more you use in-network providers, the lower your out-of-pocket costs will be. |
Dental Health Maintenance Organization (DHMO) |
With a DHMO, you are required to choose a primary care dental provider who will coordinate all of your dental care. You can only see dentists within the DHMO network. |
Point of Service (POS) Plan |
A POS offers a combination of a PPO and a DHMO. You have the option to choose from in-network providers or seek care outside of the network. |
Indemnity Dental Insurance Plan |
Also known as fee-for-service, an indemnity plan allows you to see any dentist you choose, but you will pay more for out-of-network care. |
Cost of Dental Insurance in Hawaii
The cost of dental insurance in Hawaii varies depending on several factors such as the type of plan you choose, your age, location, and overall health. Here is a breakdown of the average monthly cost of dental insurance in Hawaii for a single individual and a family of four:
Plan Type |
Single Individual |
Family of Four |
PPO |
$30-$60 |
$90-$180 |
DHMO |
$10-$25 |
$35-$70 |
POS |
$20-$40 |
$60-$120 |
Indemnity |
$50-$150 |
$150-$450 |
FAQs About Dental Insurance in Hawaii
What dental procedures are covered by dental insurance in Hawaii?
The type of procedures covered by dental insurance in Hawaii varies depending on the plan you choose. Basic procedures such as cleanings, fillings, and X-rays are usually covered by all plans. However, more complex procedures such as orthodontics, root canals, and implants may require additional coverage or a higher premium.
Can I still see my current dentist with dental insurance in Hawaii?
If your current dentist is within the network of your chosen plan, you can still see your current dentist. However, if your dentist is out of network, you may have to pay more out-of-pocket or seek care from a dentist within the network.
Is there a waiting period before I can use my dental insurance in Hawaii?
Most dental insurance plans in Hawaii have a waiting period of six months to a year before you can use the coverage for major procedures such as root canals or implants. Basic procedures such as cleanings and fillings usually have no waiting period.
Can I change my dental insurance plan in Hawaii?
Yes, you can change your dental insurance plan in Hawaii during open enrollment or if you experience a qualifying life event such as marriage, divorce, or the birth of a child.
Where can I find dental insurance in Hawaii?
You can find dental insurance in Hawaii by contacting insurance companies directly, working with a licensed insurance agent, or signing up through the Hawaii Health Connector website.
Conclusion
Dental insurance is an important investment for your overall health and wellbeing. By understanding the types of dental insurance available in Hawaii, the costs involved, and the procedures covered, you can make an informed decision about which plan is right for you and your family. If you have any questions or need help selecting a plan, reach out to a licensed insurance agent for assistance.
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