FAQs on dental insurance
Here are answers to some commonly asked question about dental insurance coverage.
What is dental insurance?
Dental insurance is a type of medical insurance that specifically addresses the coverage for some portions of expenses incurred for an insured’s dental needs. There are a number of individual, family, and group dental insurance plans available in the country.
Why should I have a dental insurance policy?
Merely brushing and flossing your teeth twice a day may not be adequate to ensure your dental health. At times, a dentist’s intervention is required, be it in the form of fitting braces or implants or pulling out an infected tooth.
Dental insurance gives you a way of covering at least a significant portion of your routine and specific dental care visits.
What types of dental plans are available?
There are currently three kinds of dental insurance policies available in the country:
- Indemnity dental insurance plan
Under the provisions of this plan, the insurance company pays the consulting dentist or dental surgeon a predetermined portion of the total costs incurred on your treatment, while you have to pay the rest.
Also known as the DHMO plan, the dentist enters into a contract with the insurance company so that services may be subsidized for that dentist’s clients under this kind of a dental insurance plan. However, concessional fees would be subject to limitations on the kind of procedure involved.
This is an organization that is governed entirely by a collective of medical practitioners, health care facilities, nursing providers and hospitals, whereby the group as a whole enters into a contractual agreement with the insurance company or with a third-party administrator in order to cover a part of the fees incurred by their respective patients.
