Indemnity Dental Insurance Plans

This is the plan where you choose your own individual or family dentist. The dental insurance plan pays the dental office on a traditional fee-for-service basis. A monthly premium is paid by the client and/or the employer to an insurance company, which then reimburses them for the services rendered.

A dental insurance company usually pays between 50% – 80% of the family or individual dental office fees for a covered procedures; the remaining 20% – 50% is paid by the client. These plans often have a pre-determined or set deductible amount which varies from plan to plan. Indemnity dental plans also can limit the amount of services covered within a given year and pay them based on a variety of fee schedules. Some typical features of these plans:

Deductibles before coverage begins.

Probationary periods on certain procedures that last up to a year

Annual dollar limit on benefits

Chose your own individual or family dentist

Your average monthly cost: $30 and up

Companies selling these plans are regulated by state insurance departments.

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