Types of Dental Plans

Different Types of Dental Plans

There are many types of dental plans to choose from when consider coverage. We wanted to provide you with a little description of four most common plans.  

Direct Reimbursement

A direct reimbursement plan is usually entirely funded by your employer and allows you to choose any dentist without the hassle of networks. Some employers may choose to reimburse you after you have paid for your dental work, and some may choose to pay the dentist directly.

Preferred Provider Organizations

A preferred provider organization plan the insurance company has contracts with dentists who have agreed to discount their fees so that they can be a part of the organization. You must choose from this list of network providers when choosing a dentist.

Dental Health Maintenance Program

A dental health maintenance program plan consists of participating dentists that are paid a set amount for each patient enrolled in the plan. Dentists are paid a set amount no matter how often you visit them and no matter what kind of treatment you get.

Indemnity plans

An indemnity plan also called a UCR program, you may choose any dentist and pay on a traditional fee-for-service basis. The insurance company, who is paid a monthly premium by your employer, then reimburses you for between 50 and 80 percent of the dentist’s fee. You are responsible for the remaining 20 to 50 percent after meeting a pre-determined deductible payment. The amount of the deductible is set in the contract between your employer and the insurance company. Different insurance companies often have different UCR fees for the same geographic area and for the same group of dentists.

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http://www.animated-teeth.com/dental_insurance/t4_dental_insurance.htm

If we can bettr help you understand your dental coverage or help you put a plan in place feel free to call us at 480-830-2595 or email us at frontdesk@wearingtoomanyhats.com