DENTAL INSURANCE SERVICES

Buying dental insurance does not have to be a painful process. Finding the right value in individual dental insurance is an important step in purchasing affordable dental health care coverage.

There are three types of Dental Insurance to consider:

• Indemnity – Dental Insurance
• PPO – Preferred Provider Dental Insurance
• HMO Network – Dental Insurance

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Dental Insurance - Indemnity

The Indemnity plan is where you choose your own dentist. Sometimes it is referred to as private dental insurance. This type of dental insurance plan pays the dentist on a traditional fee-for-service basis. A monthly premium is paid by the client, which then reimburses the dental office (dentist) for the services rendered. The insurance company offers 50% - 80% of dental 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 by 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. Get a quote for dental insurance now.

Here are some typical features of the Indemnity Dental Insurance plan:

• Chose your own dentist
• Your average monthly cost: $15 to $25
• A deductible will apply
• May have a probationary period on certain procedures that last up to a year
• Annual dollar limit on benefits

Dental Insurance - PPO

The Preferred Provider Organizations (PPO) plan is an option between the Indemnity Plan and a dental HMO. This plan allows a particular group of patients to receive dental care from a defined group of dentists. Usually a participating dentist agrees to charge less for certain dental procedures; providing savings for the plan purchaser. If you choose to see a dentist outside this group you may be required to pay a greater share of the fee-for-service. This type of plan can offer you a deeply discounted rate for services, giving you substantial savings — as long as you stay in their network.

Typical plans will have:

• Your average monthly premium cost: $20-25
• Annual dollar cap
• You must stay within the approved network of dentists or pay higher deductibles and co-payments

HMO Network – Dental Insurance

This type of dental plan provides a comprehensive dental care through designated provider dentist or dental group. The dentist is paid on a per capita (per person) basis rather than for actual treatment provided. Participating dentists receive a fixed monthly fees based on the number of patients assigned to the office. In addition to premiums, client co-payments may be required for each visit.

Typical plans feature:

• Your average monthly cost: $5 to $15
• Free preventive or routine care
• Monthly premiums
• Co-payments for office visits
• You must select from an approved network of dentists

Call KIS Financial Kaplan Insurance Services today for a quote on dental care insurance; 240.603.6406.