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Types of Dental Insurance Plans

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If you are thinking about getting a dental insurance plan, it is important that you know the different options available in the market. The most important types of dental insurance plans include the direct reimbursement plan, the indemnity plans and the managed care plans. All these plans are especially designed for companies that provide their employees with this service as a benefit. However, it is also offered, with some differences, to general public such as lone individuals and families. As other types of insurance, you should look for the appropriate dental insurance plan according to your necessities or the necessities of your company.

The direct reimbursement plan consists of reimbursing individuals for the amount of money they spent on dental care. The best thing of this plan is that it is quite simple and does not require major complex calculations. In addition, the American Dental Association (ADA) recommends this plan very much due to its simplicity and efficiency. Nevertheless, many employers do not like this plan because they consider it expensive.

Other plans are the indemnity plans that are considered more feasible. Under this plan, you will be covered by 100% for easy procedures like cleanings, 80% for simple work like a cap or crown, and 50% for important procedures like oral surgery. Thus, in this case, you will have to make up occasionally the shortfall if it is necessary. On the other hand, the managed care plans are the least expensive. These plans require that you pay certain amount as co-payment, but it will also depend on the dental treatment you need. These plans consist of two types, which are the Preferred Provider Organization (PRO) and the Dental Health Maintenance Organization (DHMO).

Now, you can consider the advantages and disadvantages of each dental insurance plan and select the more appropriate for you or your company. The health and safety of teeth is also an important issue, do not forget about it!

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