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With the rising costs of dental care, finding ways to save money becomes more and more important. A great way to save money on these procedures is with the use of a discount dental plan. It's fast and easy, and you can save on all of your dental care needs!

Dental Plan Articles

1. Getting the Most from Your Dental Plan.

2. Understanding Dental Benefits.

3. Importance of Dental Benefits

Dental Insurance Plans Offered

1. Indemnity Plans

2. Dental HMOs

3. Preferred Provider Organizations

4. Dental Discount and Reimbursement Plans

Indemnity Plans

This type of dental plan pays the dental office (dentist) on a traditional fee-for-service basis. A monthly premium is paid by the client and/or the employer to an insurance company, which then reimburses the dental office (dentist) for the services rendered. An insurance company usually pays between 50% - 80% of the dental office (dentist) fees for a covered procedures; the remaining 20% - 50% is paid by the client .

These plans often have a pre-determined or set deductible amount which varies from plan to plan. Indemnity plans also can limit the amount of services covered within a given year and pay the dentist based on a variety of fee schedules. Some typical features of these plans:

• High deductibles before coverage begins (well-designed plans don't apply the deductible to preventive services)

• Probationary periods on certain procedures that last up to a year

• Annual dollar limit on benefits

• Chose your own dentist

• Your average monthly cost: $15 to $25

• Companies selling these plans are regulated by state insurance departments