Dental Insurance Plans

Dental Plans - indemnity plans

Indemnity plans – In this type of plan the clients pays a monthly premium which in turn is paid to the dentist depending on the services offered, deductible amount is pre determined depending on the plan. The company pays 50% to 80 % of the amount to the dentist and the client pays the rest 50% to 20 %. These plans offer certain benefits to the clients like you can choose your own dentist, probationary period for certain procedure can last a year. Annual limits are set to the benefits availed. State insurance department regulates these companies.

Capitation plans: - In this plan the client is provided with comprehensive treatment, through dentist who are enrolled with the company. The dentist is paid with respect to the number of patients he sees and not the treatment that he has provided. Some of the features of this plan is your can select the dentist from the approved group of dentist. Initial enrolment fee is necessary, co-payments has to be made apart from the premiums paid, free preventive care is provided.

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