|
Dental Plan Articles
1. Getting the Most from Your Dental Plan.
2. Understanding Dental Benefits.
3. Importance of Dental Benefits
Dental Insurance Plans Offered
1. Indemnity Plans
2. Dental HMOs
3. Preferred Provider Organizations
4. Dental Discount and Reimbursement Plans
|
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
|
