Oral Care – Dental Care

Dear G:

There are many web sites out there who are dental discount plans yet want to spin it as though they were selling you dental insurance. Dental insurance may help you resolve many of your dental care needs.

One of the most important factors in buying dental insurance is actually talking with a license insurance agent. Generally you are not going to locate these license agents at a dental discount plan office.

Many dental insurance plans are based on the insured’s zip code. The easiest way at this point then, is to enter your zip code at http://www.insurancecompany.com and view only the dental insurance plans displayed that are available in your state.

I have taken the opportunity to provide a brief description of what an Indemnity or an insurance plan type is for you, as noted below. I hope this dental insurance information helps you.

Regards, Dr. David Blunt

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What is an Indemnity or Dental Insurance Plan ?

Indemnity – Dental Insurance

This is the plan where you choose your own dentist. The dental insurance plan pays the dental office (dentist) on a traditional fee-for-service basis. A monthly premium is paid by the client and/or the employer to an insurance company, which then reimburses the dental office (dentist) for the services rendered.

An insurance company usually pays between 50% – 80% of the dental office (dentist) fees for a covered procedures; the remaining 20% – 50% is paid by the client. These plans often have a pre-determined or set deductible amount which varies from plan to plan. Indemnity plans also can limit the amount of services covered within a given year and pay the dentist based on a variety of fee schedules. Some typical features of these plans:

High deductibles before coverage begins (well-designed plans don’t apply the deductible to preventive services)

Probationary periods on certain procedures that last up to a year

Annual dollar limit on benefits

Chose your own dentist

Companies selling these plans are regulated by state insurance departments
References :
http://www.insurancecompany.com