Dental insurance is very similar to a regular medical insurance in the way it works. You can enjoy certain amount of dental benefits by paying a monthly premium. The benefits typically include routine checkups, x-rays, cleanings and other similar services that promote general oral health.
While some plans offer a broader coverage, others demand a higher financial contribution for rendering of services. There are some plans, which also cover for different types of dental implants, oral surgeries or orthodontia.
Dental insurance schemes are typically categorized into two:
- Indemnity Plans
- Managed-care Plans
The major differences between the two types of dental insurances are related to the dental care expert selected, out-of-pocket expenses and the mode of payment of bills.
Indemnity plans usually offer a wider range of oral health experts to choose from as compared to manages-care plans. It is only on the receipt of the bill that the due share of expenses is paid by indemnity plans.
A network or networks of dental care providers is maintained by managed-care plans. The dentists who participate in a particular network have agreed to offer services to patients at prices, which are predetermined. They generally submit the amount of claim to your insurance company on your behalf.
Dental insurance can be challenging to understand. Please call our Cary, NC based practice and we will gladly help you with your questions.