With the increase of dental related problems, dental insurance has become must for every individual. Dental insurance is an agreement between an individual and the insurance provider, in which the insurance company agrees to pay some portion of the dental costs faced by the insurer (individuals). As many insurance companies are now coming up with dental insurance policies, common people can get dental insurance at very cheaper rates.
There are different types of dental insurance plans, such as, individuals, family and group insurance plans. The common types of dental insurance plans are:
DHMO:
This plan is provided by Dental Health Maintenance Organization. As per the plan, the family dentist is paid on the basis of persons treated, rather than considering the actual treatment cost.
Indemnity – Individual Dental Insurance:
The insurance company pays to the dentist based on the treatment provided by him to the individuals. The premiums are payed to the insurance company by the employer.
Preferred Provider Insurance:
According to this plan, insurance is provided to specific group only, that too when the treatment is taken from particular dentists.
The insurance coverage provided by insurance companies varies with insurance plans and the conditions of the company. These insurance policies can be obtained through an insurance agent or an insurance company or by an employer or through online means, where the insurance company has all the details about the dental plans and their cost specified in their websites.
Since many insurance companies are providing these dental insurance policies, it is on the part of the customer to select the affordable one. The individuals can choose the policy based on the coverage and the benefits they provide.
