Dental and Doctor Insurance Policies Information

Author: Disabled World
Updated/Revised Date: 2022/04/06
Contents: Summary - Introduction - Main - Subtopics - Publications

Synopsis: Information on various dental insurance policies, including individual family or group dental insurance 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. 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.

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:

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Two men shaking hands. Words relating to insurance have been added to the image.
Two men shaking hands. Words relating to insurance have been added to the image.
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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:

Subtopics:


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Cite This Page (APA): Disabled World. (Rev. 2022, April 6). Dental and Doctor Insurance Policies Information. Disabled World. Retrieved June 14, 2024 from www.disabled-world.com/disability/insurance/dental/

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Disabled World provides general information only. Materials presented are never meant to substitute for qualified professional medical care. Any 3rd party offering or advertising does not constitute an endorsement.