Dental Insurance Coverage

Dental Insurance helps provide a consumer with financial assistance for dental services; in return, the holder of a dental insurance policy agrees to pay a premium. Consumers may choose a plan which offers discounts on specified dental services performed by providers that are contracted with the organization. Many consumers simply receive dental service benefits as part of a larger healthcare insurance policy.

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Dental Insurance Health Plans and Carriers

Consumers can chose a plan in which their dental care is managed by a Dental Health Maintenance Organization (DHMO). DHMOs typically charge the lowest premiums and provide the most comprehensive coverage.⁵ Fee for service, or Direct Reimbursement, plans provide the most freedom of choice for consumers. With this type of plan a patients may pick any dental practitioner and clinic of their choosing. The plan pays a percentage for the service and the patient pays the remainder of the fee.

Individual Dental Carriers (only available in selected areas):

• Delta Dental
• Northeast Delta Dental

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You might be interested in learning about other specific areas of health insurance coverage, such as:

• Vision Insurance Coverage
• Chiropractic Care Coverage
• Alternative Therapy Coverage

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