The first step in understanding your dental insurance coverage is to find out what type of insurance plan you have. There are four types of plans that dental insurance companies offers. The first is indemnity, which is when your insurance company pays all or part of specific dental services. The indemnity plan allows dental patients to choose their own dentist. The amount of coverage purchased by your employer will determine your limits and co-payments.
The direct reimbursement plan or DR allows you to choose your own dentist and treatment plan. You must pay for the dental treatment and then send your receipt to your employer for payment. The DR plan usually reduces the amount of paperwork, restrictions, limitations and delays, but could be costly having to pay upfront and sometimes waiting for weeks for your reimbursement.
The dental care service plan is plan that sets pre-determined levels and restrictions on your dental care. Eligible participants are charged a set fee by an organization of contributing dentists in a network. This plan is usually a low cost alternative to costly dental insurance plans and works well for someone who doesn’t require a lot of dental services and procedures.
A closed panel plan is when a dental insurance company has an agreement with a group of dentists to provide benefits for eligible patients. With the closed panel plan, if you seek dental services at non-participating dentist you may have to pay a large portion or the entire bill.
Another common plan is the PPO. The PPO is a plan where a group of dentists contract with a dental insurance provider to supply care at significantly reduced costs, but with many restrictions. A hazard of the PPO is that most insurance companies do not assess the quality of care the patients receive or the qualifications of the "preferred" dentists.
The direct reimbursement plan or DR allows you to choose your own dentist and treatment plan. You must pay for the dental treatment and then send your receipt to your employer for payment. The DR plan usually reduces the amount of paperwork, restrictions, limitations and delays, but could be costly having to pay upfront and sometimes waiting for weeks for your reimbursement.
The dental care service plan is plan that sets pre-determined levels and restrictions on your dental care. Eligible participants are charged a set fee by an organization of contributing dentists in a network. This plan is usually a low cost alternative to costly dental insurance plans and works well for someone who doesn’t require a lot of dental services and procedures.
A closed panel plan is when a dental insurance company has an agreement with a group of dentists to provide benefits for eligible patients. With the closed panel plan, if you seek dental services at non-participating dentist you may have to pay a large portion or the entire bill.
Another common plan is the PPO. The PPO is a plan where a group of dentists contract with a dental insurance provider to supply care at significantly reduced costs, but with many restrictions. A hazard of the PPO is that most insurance companies do not assess the quality of care the patients receive or the qualifications of the "preferred" dentists.
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