Dental health plans allow individuals to take advantage of basic dental services and dental treatment in case of emergencies. For dental plans, the principle for insurance policies is applied. If you pay higher premiums, then coverage will be more extensive.
There are health insurance companies who are offering health plans which cover medical, optical and dental health. These plans are called health cash plans. For the dental plan, the individual could pay for the plan annually. This plan could cover basic dental treatments and major emergencies. Some companies who offer this plan could cover 50 to 100% of the expenses for dental services.
There are different types of dental plans:
1. Fee-for-service or indemnity plan. The individual payers could use the plan even if they get the service from the dentist of their own choice.
2. Dental health maintenance organization. The individual paying for the plan would be receiving dental care from a limited group of dentists. Basic care is usually fully covered.
3. Preferred provider organization. Individuals are given a discount if they work with a particular network of dentists. This network of dentists negotiates and agrees on the schedule of fee payment.
A dental plan may cover different services like preventive care, basic restorative care, and major restorative care. Preventive care would include procedures that deal with the prevention of tooth decay and other oral diseases. Basic restorative care would include dentures, bridges, crowns and inlays. Major restorative care would be replacement of natural teeth or repair of fractured teeth.