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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
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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:
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Monthly premiums
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Annual dollar cap
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You must stay within the approved network of dentists or pay higher deductibles and co-payments
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Your average monthly cost: $20-25
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Companies selling these plans are regulated by state insurance departments.
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