When it comes to coverage for dental insurance, options abound. The most common offerings for dental coverage are: Dental Preferred Provider Organization (DPPO), Dental Health Maintenance Organization (DHMO), Dental Exclusive Provider Organization (DEPO), Dental Point Of Service (DPOS), and Dental Indemnity. Each option for dental coverage comes with its own unique set of strengths and weaknesses, so it’s important to know the details of each plan to find the coverage that’s best for you. Today we’ll be looking into the details of the dental indemnity plan and its benefits!
The Freedom Of Choice
One of the more attractive advantages of a dental indemnity plan is that it allows you the freedom of choosing whatever dentist you like. This is pivotal, as most other dental plans limit your choices to in-network dentists and providers. In a field of health with such high skill variability, being able to shop around for a well-reviewed, competent dentist is a gamechanger. With a dental indemnity plan, you’ll never have to settle for substandard dental care again!
Primary Care Free
Another advantage of dental indemnity plans is that they don’t require you to have a primary care dentist. Most dental plans require referrals from a primary care dentist before you can pursue a dental specialist, but an indemnity plan cuts out the middleman and allows you unfettered access to the specialists of your choosing. This is a big time saver for those already certain of their specialized dental needs. So if you’re tired of plodding through primary care appointments just to get a simple referral, a dental indemnity plan might be the plan for you!
A Caveat For Coverage Costs
The greatest strength of the dental indemnity plan, its lack of restriction for dentist choice, is also its greatest weakness. Because there are no predetermined costs between dentists in a network, you won’t have as much clarity when it comes to how much will be covered. Most indemnity coverage pays for what is deemed to be usual, customary and reasonable (also known as UCR) under a given plan; this means that you’ll be covering the cost for anything that doesn’t meet the criteria of your coverage.
Get A Dental Indemnity Plan Today!
Insurance Shops has been helping people find unique coverage options for years. We specialize in listening to our clients and shopping for insurance plans that best suit their specific needs. If you’re interested in learning more about dental indemnity plans or other dental plans, check out the dental options on our dental/vision page today!
