What is a Dental Indemnity Plan?

Dental Indemnity Plan

A Dental Indemnity plan is commonly known as a fee-for-service or traditional plan. If you select an Indemnity plan you'll likely have the freedom to visit any dentist you wish.

You typically will not be required to obtain referrals; however, some plans may require you to obtain preauthorization for certain procedures. Most Dental Indemnity plans require you to pay a deductible. After you have paid your deductible, Indemnity policies typically pay a percentage of "usual, customary and reasonable (UCR) rates" for covered services. For instance, the insurance company may pay 80% and you may be required to cover the remaining 20% of the UCR.

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  *Not all plans and providers are available in all states.