Dental insurance is a health insurance plan that is meant to pay expenses related to dental care. There are different types of dental insurance plans grouped into three categories;
Indemnity Dental insurance plan.
With this plan. Insurance companies pay the dentist only a percentage of the expenses. Otherwise, restrictions may exist on annual limitations, waiting period, co-payment requirement depending on the procedure and the length of time that policy has been owned.
Dental Health Maintenance Organization (DHMO)
Dental Health Maintenance Organization plans consist of dentists who are contracting with another dental insurance company and the dentists agree to accept an insurance fee and give their customers a reduced charge for services as an in-network provider. Many Dental Health Maintenance Organization insurance plans have little or no waiting periods and no annual maximum benefit limitations, while including major dental work near the start of the policy period. This plan is sometimes purchased to help defray the high cost of the dental procedures. Some dental insurance plans offer free semi-annual preventative treatment. Fillings, crowns, implants, and dentures may have various limitations.
Participating Provider Network (PPO)
In countries such as the United States, the participating or Preferred Provider Organization (PPO) is a great organization that is managed by hospitals, medical doctors, medical care providers and health centres. This company is known to have an agreement with a third party administrator or an insurer to people associated with their client at meagre rates. Furthermore, Participating Provider Network plan may work in a similar way to a Dental Health Maintenance Organization (DHMO) while using the in-network facility. However, a PPO allows Out-of-Network or Non-Participating Providers to be used for service. Any difference in fees will become the financial responsibility of the patient unless otherwise specified.
Patients and dental insurance plan purchasers should insist on regular reviews of premium levels to ensure that UCR or Table of Allowances payment schedules is equitable. This analysis can help optimize your benefit levels, providing that every dollar you spend is used wisely.
If you are covered under two dental benefits plans, notify the administrator or carrier of your primary plan about your dual coverage status. Insurance plan benefits coordination can help protect your rights and maximise your entitled benefits.