Dental Insurance is a kind of health insurance in which part or whole of the expenses incurred in dental care are paid by an insurance company. The kind of treatment which shall be reimbursed for depends on the terms and conditions mentioned in the insurance policy.
Dental health insurance plans are primarily categorized into three categories based on the extent to which the patient is free to choose his/ her dentist. These three categories are Indemnity (free choice of dentist), Dental Health Managed Organization (DHMO) and the Preferred Provider Option (PPO). Out of these PPO offers the maximum flexibility by allowing the choice of Out-of-Network provider in an In-network facility.
Many firms offer comprehensive dental coverage through an array of dental plans as a part of their compensation structure. Each plan is designed to meet the needs of employees' based on their individual plan usage, flexibility in using in- or out-network dentists, and cost. Pre-paid plans generally have lower premiums and no deductibles, but one must choose a dentist on the plan. PPO and Indemnity plans have deductibles, but one may go to a dentist of his choice.