Dental Insurance Plan - What Are Your Choices

By Author: J.J. Yong
Total Articles: 963
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Dental insurance is designed to assist people to cover the costs associated with dental care. In today's fast changing world, the cost of dental treatments ranges from USD300 per year for regular dental care to USD25,000 and above for complicated dental procedures. The increasing dental cost has prevented many Americans from receiving regular check up and necessary dental treatment. Hence, by obtaining a dental plan will be helping them to overcome this issue.

There are many oral health plans in the market. Let's take a closer look on each of them.

Indemnity Plan

This typical plan allows you to select your own dentist. It is considered fee-for-service package which comes with limitations and co-payment options. For instance, an annual coverage amount has been set for your dental spending. Besides, there are specific coverage limits that may apply to individual dental procedures.

Self-Insurance Plan

This plan is quite similar in nature with indemnity plan. However, you might not be given freedom to select your own dentist.

Closed Panel Plan

Under this ...
... plan, you are offered for limited services. The number of dentists available for you is limited and you can only use a specific group of facilities.

Preferred Provider Organization (PPO)

This common plan is designed for people who are searching for low cost plan. The policy holders are limited to a group of dentists who are available to provide dental care at a reduced cost. For people who are having tight budget, they are recommended to take this plan.

Direct Reimbursement Plan

This particular plan allows the employers to reimburse their employees for the dental services they receive directly.
For more information about dental insurance quotes and dental insurance plans, visit DentalInsuranceAdvice.com.