Dental Insurance, What is an Indemnity Dental Insurance plan.
Indemnity – Individual Dental Insurance
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:
- High deductibles before coverage begins (well-designed plans don’t apply the deductible to preventive services)
- 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: $15 and up
- Companies selling these plans are regulated by state insurance departments.
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This indemnity dental insurance plan allows you to select any individual or family licensed dentist for service – and when you buy the MultiFlex online dental insurance plan, you receive on of the best dental plans for basic, preventative, and major dental services in the country.
The individual or family dental plans offer both indemnity and PPO dental insurance coverages with maximum benefit limits ranging from $500 to $2000 per calendar year. In addition, the dental insurance plan rates are based upon age and zip code where you will receive your individual or family dental insurance services as quoted online.
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