May 19, 2006

California Dental Insurance - Learn more about it

Dental Insurance plans - who pays the dentist Does your dental insurance company pay the dentist or Do you pay your dentist every time you visit him? What percentage of your dental bills does your dental insurance company pay ? What is your dental insurance plan type : idemnity , capitation or direct reimbursement plan? What do they mean in simple plain english. Let's find out... When choosing any dental insurance plan, we should be aware of how the dentist will be paid. Dental plans are of three types based on the compensation and treatment provided. Indemnity Dental Plans. : In this type of California dental plan the dentist is paid fee for service. The dental plan provider, pays 50-80% of the dentist's fee and remaining is paid by you. The dental insurance company will only pay after you have started paying the premiums, and the range of services can also be restricted. Capitation Plans: The patient gets comprehensive coverage under this type of the california dental insurance. A good example is a DHMO. The dentists are paid on per patient basis every month. Some amount will have to be paid by you, the patient for each visit you make to the dental care provider. Direct Reimbursement Plans: Under this type of california dental insurance, the patient's employer reimburses a percentage of the employee for his/family's dental treatment costs from its own funds. The employee usually has a choice of dentist and type of treatment to be provided to him/family. Choose a plan that's right for your needs. Choose from a dental insurance company.


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