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Here is a quick overview of what you need to know about dental insurance plans.
Similar to health insurance, there are many types of dental insurance plans.
Standard individual dental insurance plans include HMO dental plans and PPO dental plans.
HMO dental plans require that you choose one dentist or dental group in- network to handle all of your dental care needs. As long as that dentist or group is part of the HMO network, you will be covered for reimbursement.
PPO dental plans allow you to go out-of –network and choose from a list of many different dentists in your area, such as your current dentist that you have been going to for years. Although your dentist may not be in the network, you will still have coverage according to the reimbursement schedule.
There are also discount dental plans. These plans are not dental insurance, but can provide you with the freedom to visit many dentists at substantial discounts over their standard fees. Generally, dentists who participate in discount dental plans have made an agreement with the insurance company to charge less than their usual fees.
Although they are becoming increasingly rare, indemnity dental insurance plans are also still available and provide the freedom to choose the dentist of your choice at a higher out-of-pocket expense.
If you have more than 3 employees, we can customize a dental insurance quote for your business and find you the best rates available. Just fill out the form below.