Dental Indemnity Insurance
Is Its Benefits for You?
Dental Indemnity Insurance coverage is very popular among people who value flexibility and who are very particular about their choice of a dentist.
A dental indemnity plan allows you to go to a dentist of your own choosing. It does not maintain a dental network from which you have to select a dentist. This means you can get affordable dental care regardless of where you seek it and from whom.
Indemnity insurance is especially beneficial for people who are constantly on the move or are frequently traveling for business or leisure purposes. After all, you never know when and where you might need dental care.
A dental indemnity ensures you can access it wherever you may be. Despite the rise of dental networks, as popularized by PPO dental insurance plans, dental indemnity plans continue to be the more flexible choice that a lot of people go for.
Identifying the Benefits
Points to note when identifying a dental indemnity insurance:
- How Much and When You Will Pay for Dental Indemnity
- Full Preventative Coverage
- Usual and Customary Dental Costs
- Eligibility for Dental Indemnity Plan
1. How Much and When You Will Pay for Dental Indemnity
Dental indemnity plans require you to pay deductibles; this means you will have to shell out for out-of-pocket dental costs.
The cost of these deductibles may vary and may change regularly. In order to prevent being surprised by sudden changes in the fees you are required to pay, make sure to carefully read the conditions and provisions of a dental indemnity insurance policy so you will know what to pay, when you need to pay, how much you will get reimbursed for, and when you can claim your reimbursement.
2. Full Preventative Coverage
In choosing a dental indemnity insurance coverage, make sure you look for a plan that provides 100% coverage of all preventative dental treatments. Preventative dental treatments include regular checkups and cleanings.
Aside from full preventative coverage, dental indemnity plans can provide coverage for other types of dental plans. However, the coverage will vary based on each individual plan provider. Most of the common dental indemnity plans cover around half or up to 80% of all usual and customary dental treatments costs.
Take note, however, that some plans also do not cover certain dental services, such as those not considered usual and customary, entirely.
3. Usual and Customary Dental Costs
The “usual and customary” phrase is a commonly used one in discussions regarding dental indemnity insurance. This refers to the type of dental procedures that are definitely covered by all dental indemnity plans.
One common concern with regards to dental costs in indemnity plans is that what insurance providers consider as usual and customary dental costs differ greatly. Thus, some consumers tend to get confused as to which services are still reimbursable and which are not.
If you want to be covered, make sure you read and understand exactly which services are considered usual and customary by your insurance provider. If not, you might undergo a procedure assuredly thinking you will get reimbursed only to find out you won’t because your insurance provider ruled out the treatment as not “usual and customary” and decided to reject your request for reimbursement.
The reimbursements you will get will be based o a UCR fee schedule. This schedule or table already lists down the amount you will get paid for certain services. This is very important as it determines exactly how much your dental insurance company will cover out of your dental costs. There are cases when the amount you paid is much lower than what the UCR fee schedule shows you will get reimbursed for. Make sure you read your indemnity plan details carefully to prevent any problems such as this.
4. Eligibility for Dental Indemnity Plan
Also, if you are planning to get dental insurance for the entire family, look for dental indemnity insurance that provides coverage for dependents.
There are, however, certain eligibility requirements you’d have to comply with when applying for your dependents, so take note of these requirements so the process will be clear to you.
Restrictions and What to Watch Out For
There are certain things you have to watch out for if you do decide to go with a dental indemnity plan.
Take note that some dentists tend to charge higher fees for people on indemnity plans because they are not restricted by dental networks such as in PPO and HMO dental plans.
You also have to check the waiting periods to make sure you won’t be waiting for your much-needed dental treatment for a long time.
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