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August 26, 2005
Different Types Of Dental Plans
Indemnity
1. This type of dental plans usually allows the patient to go to the dentist of their choice.
2. The dental coverage plans pay a percentage of the dentist's fee or some fixed dollar amount whichever happens to be less.
3. Payments are made to the insured member or directly to the dentist.
4. The difference between the amount paid and the dentist's full charge is usually by the dentists.
Preferred provider organization or PPO dental plans:
1. These dental plans are generally less expensive than Indemnity dental plans.
2. Insured individuals can select their dentist from a network or listing of dental providers who have agreed to be part of the plan and accept a discounted fee structure.
3. Insured individuals can avail of treatment from non-participating dentists, who are not part of the ppo, but they may have to pay higher amounts and get lesser discounts from the plan provider.
Scheduled Dental Plan
1. A scheduled dental plan or scheduled reimbursement plan reimburses you for a specific amount based on a fee schedule with any balance due being your responsibility.
2. Scheduled dental plans work with maximum limit you can spend per year for your treatment costs.
3. Also, you may have to wait longer periods for certain procedures.
4. A Scheduled dental plan shows every covered procedure and the amount you will be reimbursed for each procedure.
Discount Card Dental Plans
1. Discount cards lower the cost of your dental care.
2. People who do not have insurance coverage can take advantage using this dental discount cards for these services or who have inadequate coverage.
3. Discount cards allow for unlimited use of services by using a dental network and are based on a discounted fee schedule. The cost of your membership card is small compared to the potential savings for you and your family.
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