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Dental Indemnity Plan

What is a Dental Indemnity Plan?

Dental Indemnity Plan may refer to a type of insurance plan that provides coverage for dental services. In a dental indemnity plan, the insurance company pays the dentist directly for services provided to the insured person, up to a maximum benefit amount. The insured person is then responsible for paying any remaining balance for services that exceed the maximum benefit amount. This type of plan usually has a higher premium cost than other types of dental insurance plans, but provides a greater degree of flexibility in terms of choice of dentists and services.

Dental Indemnity Plan in More Detail

Dental indemnity plans generally offer coverage for preventive, basic, and major services. Preventive services, such as cleanings, checkups, and x-rays, are typically covered at 100%. Basic services, such as fillings, crowns, and root canals, are usually covered at a percentage of the cost. Major services, such as dentures and bridges, are typically covered at a lower percentage.

In addition to providing coverage for services, most dental indemnity plans also have an annual maximum benefit amount, which is the maximum amount the insurance company will pay during a given year. This maximum benefit amount can vary from plan to plan, so it’s important to check with the insurance company to determine what the maximum benefit amount is for a particular plan.

When choosing a dental indemnity plan, it’s important to consider the cost of premiums, the coverage offered, and the annual maximum benefit amount. While dental indemnity plans typically have higher premiums than other types of dental insurance, they offer more flexibility in terms of choice of dentists and services. Additionally, they provide more comprehensive coverage than other types of plans, making them an attractive option for those who need more comprehensive coverage.

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