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Dental Plan
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Dental Plan is generally made before undergoing dental treatment.

Affordable Dental Plans

(1) Discount of Referral Dental Plans:

These types of dental benefits program technically are not dental insurance at all. The basis of these dental plans is that a third party, that is the company has contracted with dentists, that is a closed panel network of participating dentists, who have agreed to discount their dental fees in exchange for a larger patient load.

When we see these types of products marketed their advertising , they will particularly make the point that the program is a dental plan as opposed to dental insurance. The company administering the dental plan is essence acts as an intermediary, matching dentists with patients.

While the patient does pay a fee to be a member of the dental plan, so the company administering the plan can cover the expenses and earn a profit. The payment for dental from the patient to the dentist, as outlined by the plan’s predetermined that is discounted fee list.

(2) Dental insurance plans

Traditional dental insurance plans/Indemnity dental insurance plans: This type of dental insurance plan makes payment for the dental treatment received by the covered individual on a traditional fee for service basis.

For some dental treatments such as preventive dental care, the payment made by the insurance company might be in full. For other types of dental services it is common that these types of plans will cover between 50 and 80 percent of the cost of treatment.

In those cases where the cost of the dental treatment for the individual has not been fully covered by the insurance company’s payment the patient makes the difference.

The methods by which the dental insurance company determines company determines the amount of payment they will make will vary from plan to plan, but it is usually based on one of the following two schemes:

  • Usual, customary and Reasonable indemnity dental insurance plans:
  • Allowances dental insurance plans.

(3) Capitation dental plans:

A capitation dental insurance plans such, as a dental HMO is an arrangement where a dentist, is contract to provide dental treatment for the dental plan’s enrolled members.

The provider dentist is paid; usually dentist is paid, usually monthly, a fixed amount per individual who has chosen them to provide their dental treatment. In return it is dentist’s obligation is to provide any and all needed dental treatment for these individuals during this time frame.

(4) Preferred Provider Organisation (PPO) dental plans:

Dental Preferred Provider Organizations (dental PPO’s) are a closed panel type of dental insurance plan. The insurance company contract with dentists so to form a network of treatment provides. Of courses the terms and conditions of each PPO type dental insurance plan normally varies.


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