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Consulate Dental Plans Reviewing Indemnity Dental Insurance Plans
Indemnity dental insurance is an insurance package where the policyholder can choose his or her own dentist and the insurance provider will be the one to pay that designated dentist your fees or, usually, around half of them. Indemnity Dental insurance plans pays the dental office (dentist) on a traditional fee-for-service basis.
There are several features of indemnity dental insurance plans for individuals that make these plans different from many other types of dental coverage: Insurance providers will pay up to 100% of preventative dental care.
Unlike a dental PPO plan where if you go outside the plan network of providers your coverage limits may change on an Indemnity Dental plan there is no plan network provider and your coverages are the same regardless of what dentist you may wish to see.
When reviewing an Indemnity Dental Insurance plan make sure you read the plan term and conditions because like a dental PPO these plans normally have waiting periods and annul dollar maximum limitations.