insurance works in much the same way that medical insurance
works. For a specific monthly rate (or "premium"),
you are entitled to certain dental benefits, usually including
regular checkups, cleanings, x-rays, and certain services
required to promote general dental health. Some plans will
provide broader coverage than others and some will require
a greater financial contribution on your part when services
are rendered. Some plans may also provide coverage for certain
types of oral surgery, dental implants, or orthodontia.
health insurance plans, dental insurance plans are usually
categorized as either Indemnity or managed-care plans (Dental
PPO plans fit in this latter category). Put broadly, the
major differences concern choice of dental care providers,
out-of-pocket costs and how bills are paid. Typically, Indemnity
plans offer a broader selection of dental care providers
than managed-care plans. Indemnity plans pay their share
of the costs for covered services only after they receive
a bill (which means that you may have to pay up front and
then obtain reimbursement from your insurance company).
Managed-care plans typically maintain dental provider networks.
Dentists participating in a network agree to perform services
for patients at pre-negotiated rates and usually will submit
the claim to the dental insurance company for you. In general,
you'll have less paperwork and lower out-of-pocket costs
with a managed-care dental plan and a broader choice of
dentists with an Indemnity plan.
|Find comprehensive group dental coverage
for your employees and yourself, as well as for dependents: