Dental Insurance Plans

Dental Insurance Plans - The Third Party

Learning about dental insurance or any insurance for that matter is difficult. But with some help it can be made a little more understandable. For example every dental insurance has 3 parties. You, the dentist and the dental insurance corporation.

There are three types of third parties in any dental insurance.

Dental Service Corporations. These are the not-for-profit organizations that negotiate and administer contracts for dental insurance plans or specific groups of patients. Delta Dental Plan and Blue Cross/Blue Shield Plans are examples of this third party type.

Insurance Carriers. These are the for-profit companies who underwrite the financial risk of, and process payment claims for, dental services. Carriers contract with dental insurance seekers or patient groups to offer a variety of dental benefits packages, often including both fee-for-service and managed care plans.

Self-Funded Insurers. These companies use their own funds to underwrite the expense of providing dental care to their employees. The company pays for the dental costs of its employees, usually with limitations on services and fixed-dollar allocations.

Being informed and selecting a dental insurance plan suited for your needs is the wisest decision that you can take in the management of your dental health.

But buying dental insurance like any other insurance can be a thankless job. You need to go through the fine print to know upfront what you are entitled to under your plan whether it be a family or child dental insurance.

By law your dental insurance provider is required to give you a booklet with a full description of benefits, and the details about the coverage, limitations and exclusions. Ask for this information booklet and go through it thoroughly to understand what you are entitled to.

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