Dental insurance usually covers regular preventive care (like exams and cleanings) and basic care (like treating cavities and making dental repairs), as well as more extensive major care (like crowns, root canals and dentures).

There are two main types of dental insurance:

• Indemnity (Fee-for-Service) — Dental coverage that normally allows you to see any dentist you want. The insurance companies will normally pay a scheduled benefit after receiving a bill/claim from you.
  
  
• Managed Care (PPOs, POSs and dental HMOs) — Dental coverage that normally requires you to see dentists who are only in the company’s network of providers (otherwise you may not receive services at a reduced cost). The insurance usually requires less paperwork on your end, but your out-of-pocket expenses can be higher if your dentist is outside the network.

Most dental plans have a deductible, but if you find coverage with a low or $0 deductible you can reduce your out-of-pocket expenses.

It is important you don't confuse dental insurance with dental discount plans. Dental discount plans allow you access to a network of dentists who charge discounted rates. The plans normally charge a monthly or annual fee to use their network. However, you may end up paying for services without a discount if your dentist decides to stop participating in the plan.

Additional Information
It’s always a good idea to learn as much as you can before making any decision. A licensed professional who can explain all your options can be a great resource. Also talk to friends and family for their input.

For additional information, please visit our Senior Resource Center.

Make sure to check out other important insurance topics, including:

• Coverage Types
• Tips for Choosing Coverage
• Industry Information
• Glossary of Common Insurance Terms

Information from:
"Dental Insurance: Fact sheet for the Patient," Academy of General Dentistry, accessed February 14, 2008

This educational content is provided courtesy of Physicians Mutual^®.