Dental Insurance Plans

EPO

In an Exlusive Provider Organization (EPO) you can opt for treatment only from particular group of dentists who are participating with the dental plan. You will not covered under the plan unless you take treatment from these participating dentists. Though exceptions may be allowed for extreme emergencies. The dentists might be salaried employees of the plan provider. Also under this plan there may be several restrictions both for number of services you recieve and the type of service you receive. These are cheapest individual dental insurance plans.

Third essential difference between the different individual dental insurance plans is based on who pays the dentist. Under the Indemnity plans the insurance company directly pays the dentist part of fee (5-80 percent)for services rendered to the patient. Remaining amount paid by patient. A monthly premium is paid by patient/ employer to the insurance company. Services may be limited and there might also be an yearly cap on spending.

Capitation individual dental insurance plans provide comprehensive dental cover through some chosen dentists. An example of this type of individual dental insurance plan is the Dental Health Maintenance Organisation or DHMO. Dentists are paid on per head rather on basis of services provided. Some part of the fee has to be borne by patient in addition to the monthly premium paid to the dental insurance provider.

The direct reimbursement plan is one operated by the employer. After receiving dental treatment from a dentist the receipt is presented who reimburses a fixed percentage of the costs borne by the patient. This is paid from the employer's own funds and no other third party is involved in this type of individual dental insurance plan.

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