This is the plan where you choose your own individual or family dentist. The dental insurance plan pays the dental office 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 them for the services rendered.

A dental insurance company usually pays between 50% – 80% of the family or individual dental office 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 dental plans also can limit the amount of services covered within a given year and pay them 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 individual or family dentist
*    Your average monthly cost: $15 and up
*    Companies selling these plans are regulated by state insurance departments

This is the plan where you choose your own individual or family dentist. The dental insurance plan pays the dental office 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 them for the services rendered.

A dental insurance company usually pays between 50% – 80% of the family or individual dental office 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 dental plans also can limit the amount of services covered within a given year and pay them 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 individual or family dentist
• Your average monthly cost: $15 and up
• Companies selling these plans are regulated by state insurance departments.