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Dental InsuranceDental Insurance

Similar to health coverage, dental coverage comes in several variations, with similar core features. Broadly these plans break down into indemnity plans, or managed care plans. Indemnity plans offer the greatest flexibility, but often carry a higher cost, and managed care plans offer less flexibility, but may cover a wider range or value of services.

 

Common Types of Dental Insurance:Dental Coverage

Indemnity Dental: Plans typically offer the greatest flexibility, and have a coinciding higher premium. Indemnity plans will normally have a deductible which must be satisfied before benefits begin to be paid by your carrier. Indemnity plans normally do not have a co-payment, but will have co-insurance after your deductible has been satisfied. As with all plan types, there may be limitations as to the types of services covered, and there may be an annual maximum on benefits.

Preferred Provider Organization  (PPO) plans typically include a network of care providers whose services are rendered at pre-negotiated rates. A dental PPO plan will generally offer some flexibility to visit out-of-network providers, with some reduction in benefits. A PPO may include a co-insurance component. As with all plan types, there may be limitations as to the types of services covered, and there is likely to be an annual maximum on benefits paid.

Dental Health Management Organization (DHMO): plans are similar to HMO’s in that one must select a primary care dentist who acts as a gatekeeper for dental care. Typically a DHMO plan carries a lower premium than an indemnity or PPO plan, with less flexibility than the other plan types. DHMO plans often don’t have an applicable deductible, but instead require a co-payment for procedures. A DHMO may include a co-insurance component. As with all plan types, there may be limitations as to the types of services covered, there may or may not be an annual maximum on benefits paid.

 

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