subject: Know More About Dental Insurance [print this page] Know More About Dental Insurance
Denral Insurance is a type 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 (or sometimes called: true dental insurance) which allows you to see any dentist you want who accepts insurance, Preferred Provide Network dental plans (PPO; briefly discussed below), and dental Health Managed Organizations (DHMO) in which you are assigned to an in-network dentist or in-network dental office and must stay within that network to receive your dental benefits.
Various dental insurance plans are available for individuals in the U.S. and are designed to help offset the costs associated with necessary dental care. Plans have limitations on the number of dental visits, radiographs (X-rays) and treatments that are covered, and other services may be excluded. Some plans only reimburse patients when the least expensive treatment alternative is selected; other plans do not provide coverage for necessary treatments of pre-existing conditions.
You may not be aware that you have flexible spending account options available through your employer for dental or medical needs. Check with your employer to see if a flexible spending account is an option for you. The types of dental insurance plans available include Indemnity Plan, Self-Insurance Plan , Closed Panel Plan Capitation Plan, Preferred Provider Organization (PPO), Direct Reimbursement Plan, Dental Care Service Plan.
Dental insurance companies divide benefits, services, or procedures into categories and refer to them with American Dental Association (ADA) 3-4 digit code. Procedures such as periodontics, endodontics, Dental Supplies and oral surgery may fall into the Major category depending on your specific plan with specific fee schedules and co-payments. Many dental insurance plans offer free semi-annual preventative treatment. Fillings, crowns, implants and dentures may have various limitations.
The enrollment process varies but often members are assigned an identification or policy number. When dental treatment is rendered a claim for services is filed with the dental insurance company. Upon enrollment, be informed through the enrollee benefit packet regarding coverage and contact a dental provider and/or dental insurance company with additional questions about specific dental benefits. Eligibility of Benefits, or EOB, statements are most often then sent with payment to both the provider of service and the plan policy holder.
This article is from http://www.zeta-dental.com.au/article-573-Know-More-About-Dental-Insurance.html
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