Dental and Doctor Insurance: Policies and Updates

Author: Disabled World (DW)
Updated/Revised Date: 2025/03/12
Category Topic: Dental and Doctor Insurance (Publications Database)

Page Content: Synopsis - Introduction - Main - Subtopics

Synopsis: Information on dental insurance policies, including individual, family, or group dental plans, designed to pay costs associated with dental care. Dental insurance is an insurance designed to pay a portion of the costs associated with dental care. From cleanings to braces, dental plans help you and your family control the costs of dental care.

Introduction

Nowadays, it seems like there are more medical expenses than ever before that aren't covered by health care plans. If you don't have a company health plan, you could face substantial medical costs in some situations, or limit yourself to minimal health and dental care when you need it most.

Main Document

Dental insurance is insurance designed to pay a portion of the costs associated with dental care. From cleanings to braces, dental plans help you and your family control the costs of dental care. There are several types of individual, family, or group dental insurance plans, grouped into three primary categories:

In general, a dental insurance plan covers a percentage of the dental charges incurred at a dental office. There is a wide range of coverage options which may include free preventive services such as teeth cleaning, routine treatments including check-ups, hygiene and x-rays, as well as planned treatments such as fillings, root canal work and crowns - also called remedial and restorative treatment.

There are several types of individual, family, or group dental insurance plans for purchase - some of which may be acquired through an employer, a local licensed insurance agent - broker, or an online website that is licensed to sell dental insurance products. Example of coverage plans include:

Dental Indemnity Insurance

Dental indemnity insurance plans gives you a free choice of any dentist you want. There may be deductibles and annual maximums with these plans, too. There is no industry standard annual maximum limitation, deductible, or co-pay. Such coverages and benefit limitations are determined by each insurance company as filed with the department of insurance.

Dental Health Maintenance Organization

A dental health maintenance organization (DHMO) is an organized system of dental health care in which a network of highly qualified dentists, who receive fixed monthly fees, provides comprehensive and affordable care for individuals or families at a low monthly premium with services at either no cost or a reduced price. Some services may require a co-payment. Features of these types of plans may include:

Publications

- Dentist sues Standard Insurance Company because disability benefit was reduced each month by disability policy purchased from American Association of Endodontics.

- This article focuses on individual disability policies as well as group employer-employee relationship and association group where members may be of the same profession.

- Educational resource provides brief outline of policy details that can help resident doctors find the best disability insurance for their unique situation.

Complete List of Publications

Subtopics

Citing Information and Page References

Founded in 2004, Disabled World (DW) is a leading resource on disabilities, assistive technologies, and accessibility, supporting the disability community. Learn more on our About Us page.

Cite This Page (APA): Disabled World (DW). (Rev. 2025, March 12). Dental and Doctor Insurance: Policies and Updates. Disabled World (DW). Retrieved April 19, 2025 from www.disabled-world.com/disability/insurance/dental/

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While we strive to provide accurate and up-to-date information, it's important to note that our content is for general informational purposes only. We always recommend consulting qualified healthcare professionals for personalized medical advice. Any 3rd party offering or advertising does not constitute an endorsement.