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Written by Administrator
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Sunday, 14 December 2008 23:53 |
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Personal Dental Insurance Dental disease is more common than you think and the cost of treatment can be expensive - just imagine having to pay the fee for a crown or bridge, which can cost more than $1,000! With a dental plan, the cost of regular visits for check-ups and professional cleaning becomes more affordable and can help you reduce the possibility of developing dental disease.
Network Based Plan:
- PDO - Preferred Dental Organization, looks like and operates like its medical counterpart, the PPO.
- DMO - Dental Maintenance Organization, typically benefits are limited or eliminated if you receive treatment outside of the network.
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Indemnity Plan:
These plans "indemnify" participants for dental services received. These reimbursed amounts vary according to the type of service provided. A typical benefit structure for this type of plan would be:
| Preventative Services |
100% |
| Basic Services |
80% |
| Major Services |
50% |
| Major and Restorative |
50% |
| Orthodontia |
Not Covered |
| Deductible (single/family) |
$50/$150 |
| Annual Maximum |
$1,500 |
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