Is insurance designed to pay a portion of the costs associated with dental care.
There are a few different types of individual, family, or group dental insurance plans that are grouped into three categories: (1) Indemnity (called: dental insurance) that allows you to see any dentist you want who accepts your type of coverage; (2) Preferred Provide Network dental plans (PPO); and (3) Dental Health Managed Organizations (DHMO) in which you are assigned or select an in-network dentist and/or in-network dental office and use the dental benefits in that network.
Generally dental offices have a fee schedule, or a list of prices for the dental services or procedures they offer. Dental insurance companies have similar fee schedules which is generally based on Usual and Customary dental services, an average of fees in your area. The fee schedule is commonly used as the transactional instrument between the insurance company, dental office and/or dentist, and the consumer.
The best health insurance puts the power of choice in the hands of the member – this coverage is no exception. The Dental Insurance For Retirees Plan, administered by a Dental Insurance Company, provides benefits tailored to meet your needs while providing the best possible combination of dental benefits and cost savings.