What is indemnity dental insurance?
**Indemnity dental insurance, also known as traditional dental insurance, is a type of dental plan that allows you to choose your dentist and pays a percentage of the cost of covered services. Unlike managed care plans, indemnity plans offer more flexibility and control over your dental care.**
FAQs about indemnity dental insurance
1. How does indemnity dental insurance work?
Indemnity dental insurance works by reimbursing you for a portion of your dental expenses after you have paid out of pocket.
2. Is there a network of dentists to choose from with indemnity dental insurance?
With indemnity dental insurance, you can choose any licensed dentist, as there are no restrictions on which provider you can see.
3. Are there annual maximums with indemnity dental insurance?
Yes, like most dental insurance plans, indemnity dental insurance typically has an annual maximum limit on the amount it will pay for covered services.
4. Can I receive coverage for major dental work with indemnity dental insurance?
Yes, indemnity dental insurance usually covers a range of dental services, including major procedures like root canals, crowns, and bridges.
5. Do I need to submit claims with indemnity dental insurance?
Yes, with indemnity dental insurance, you will need to submit claims for reimbursement after you pay for your dental services.
6. Is there a waiting period for coverage with indemnity dental insurance?
Some indemnity dental insurance plans may have a waiting period before certain services are covered, so it’s essential to check your policy details.
7. Are preventive services covered under indemnity dental insurance?
Yes, most indemnity dental insurance plans cover preventive services like cleanings, exams, and X-rays to help you maintain good oral health.
8. Can I visit any specialist with indemnity dental insurance?
You can choose to see any licensed dental specialist with indemnity dental insurance, without needing a referral from a primary dentist.
9. Will I have to pay coinsurance with indemnity dental insurance?
Yes, indemnity dental insurance typically requires you to pay a percentage of the cost of covered services, known as coinsurance.
10. Can I cancel my indemnity dental insurance plan at any time?
Most indemnity dental insurance plans allow you to cancel at any time, but it’s essential to check the terms of your policy for any penalties or restrictions.
11. Can I use my indemnity dental insurance for orthodontic treatments?
Some indemnity dental insurance plans offer coverage for orthodontic treatments like braces, but it’s important to check your policy for specific details.
12. Are there any exclusions or limitations with indemnity dental insurance?
Like any insurance plan, indemnity dental insurance may have exclusions or limitations on certain procedures or services, so it’s crucial to review your policy carefully.