Dental Insurance Plus on Pros and Cons of Dental Indemnity Insurance Plan
Dental Indemnity plans work much like Dental PPO plans. One main difference is that with and Indemnity dental insurance plan there is no network of dental providers.
Indemnity Pros
* Dentist Availability: Since an Indemnity dental insurance plan has no network of dental providers you are able to go to any dentist you want.
* Specialist: Just like a PPO dental Insurance plan under a Indemnity dental insurance plan, members can set appointments and receive care from dental specialists whenever they desire. Therefore the patient can visit a specialist immediately for more specialized needs.
PPO Cons
* Waiting Periods: Waiting period is the time period one needs to have had the plan prior to having certain dental services covered by the plan. Like a PPO plan the waiting periods can very depending on the plan you are reviewing.
* Maximum Limitation: A maximum limitation is the dollar about the insurance company is willing to pay out per person per year. This can be a con when the cost for your needed dental care is going to excess the maximum limitation so make sure you are buying the highest maximum limitation that will best fit your dental care needs.
