Dental insurance types, Part 1
Dental procedures can be very expensive. If you foresee that you will be needing major dental treatment for the years to come, dental insurance could be the answer. Here are types of dental insurance programs to give you an idea of what to look for.
Indemnity Plans
These are the common plans where you pay a premium every month and the insurance company reimburses part of the cost. You are able to choose your dentist, however, the monthly premium is high and there can be several conditions that can be limiting.
Normally this is the percentage paid back by the insurer:
- preventive services, 100%
- common restorative services 80%
- treatments such as crowns and orthodontics 50%