is a form of health insurance designed to pay a portion of the costs associated with dental care. There are several different types of individual, family, or group dental insurance plans grouped into three primary categories: Indemnity, Preferred Provider Network (PPO), and Dental Health Managed Organizations (DHMO).
Benefits and Types of Dental Coverage
Routine Preventive and Diagnostic Care
Meaning it pays 100 percent of the cost of routine preventive and diagnostic care, such as checkups and cleanings; covers 80 percent for fillings, root canals and other basic procedures; and 50 percent for crowns, bridges and major procedures.
Dental Insurance Plan
With a dental insurance plan, you pay premiums, co-pays and/or deductibles, and the insurance pays the remainder directly to the dentist.
Dental Discount Plan
In a dental discount plan, you enjoy discounts for services at participating dentists. You simply pay the dentist directly for your services at a discounted price. A lot of individuals chose this option.