Typical Features of Indemnity Dental Insurance Plans
Some of the typical features of Indemnity plans:
* High deductibles before coverage begins (well-designed plans don’t apply the deductible to preventive services)
* Probationary periods/waiting periods on certain procedures that last up to a year or more depending on the plans terms and conditions
* Like a PPO, Indemnity dental insurance have an annual dollar limit on benefits normally ranging from $500 – $2000 per person per year
* Chose your own dentist. With an Indemnity dental insurance plan there is no network of dental providers, you truly get to choose any dentist you want.
* Your average monthly cost is about the same as most PPO’s plans ranging around $45 to $65 a month for an individual
* Companies selling these plans are regulated by state insurance departments.
