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Dental insurance coverage is important as a preventive measure for teeth hygiene. The cost of treatment can be extremely high. Some people neglect their dental health because of the cost of regular check up or are unaware of their entitlement for dental care, if such plan is covered on their employment contract. Insurance coverage can help offset the cost of some dental procedure. There are many different types of dental insurance.

Indemnity dental insurance coverage

Indemnity is expensive compared to any other type of dental insurance. it requires the person being covered to pay the cost of the treatment and ask the insurance company to reimburse the payment. The advantage of indemnity insurance is that there are no restrictions placed on the insurance holders as to which dentist they may choose. When having an indemnity coverage, a classification of dental procedures is provided and serve as a guideline for the covered individual as to which dental service the insurance company will cover and for how much of the cost.

Managed care plan dental insurance

Under managed care dental insurance, the person covered does not have to pay for any procedure. The bill from the dental practice is sent directly to the insurance company. The insurance company places limitations nevertheless as to which the service provider the covered person is allowed to visit. The manage care plan is divided into three different types

• Preferred Provider Organization (PPO)

PPO are dental providers that have formed a network and work within the group. The person obtaining coverage can only visit dentists from the network and is provided with reduction benefits. You may visit dentist not in the network in some plans but with consequences of losing some of your benefits.

• Dental Health Maintenance Organization (HMO)

This plan also includes a restrained group of dentists who have joined a network and are required to offer client services. The dentists receive for their participation in the network a fixed sum of money. The covered person has less flexibility in choosing a service provider. At the extreme if they go to a dentist outside of the plan, they may lose their coverage

• Dental Point of Service (DPS)

In this plan the person covered has the chance to go to any other dental practice that they choose. They almost have lots more advantages in the plan and going to an outside service provider is much more expensive.

Dental insurance coverage can help you keep you dental health and avoid complications. The cost of dental treatment can be very high. With a coverage, it is possible to reduce the cost and even prevent having to deal with unexpected dental bills by having regular check ups.

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