Deductibles and Coinsurance
This is the most common type of deductible placed on a dental plan.
Calendar Year
Benefits help employees with financial protection by doing this.
Sharing cost. Large groups will lead to lower premium costs and give employees a financial safety net.
These two preventive treatments often have age limitations.
What are fluoride and sealants?
Braces and other corrective treatments belong to this classification.
What is Type 4 (Orthodontia)?
This type of dental insurance plan allows you to choose any dentist, but often reimburses less if they’re out-of-network.
What is a PPO (Preferred Provider Organization)?
Members are required to satisfy the amount of a lifetime deducible this many times.
once
Preventative care is most important because it does this to medical claims.
Lowers Medical Claims
This modern form of care may be included as a wellness feature, offering virtual dental consults.
What is teledentistry?
Crowns, dentures, and bridges fall under this class.
What is Type 3 (Major)?
These plans require patients to choose a dentist from a defined list and often have lower costs.
What is a DHMO (Dental Health Maintenance Organization)?
A deducible that is required every office appointment is called?
per-visit deductible
This is one serious condition your dentist can see before your doctor.
**Heart disease, Diabetes, Pre-mature labor, Cancer
Bitewing and panoramic types of this diagnostic tool are often limited in frequency.
What are X-rays?
This classification includes diagnostic exams, cleanings, and X-rays.
What is Type 1 (Preventive and diagnostic)?
This type of dental plan reimburses a set amount for each service, regardless of the dentist's fee.
What is an indemnity plan?
This percentage-based cost-sharing model is common in dental insurance.
What is coinsurance?
These costs are typically reduced when you have dental insurance, making treatment more affordable.
What are out-of-pocket expenses?
This limitation may prevent benefits for teeth already missing before the policy began.
What is the missing tooth clause?
This classification includes fillings, simple extractions, and some root canals.
What is Type 2 (Basic)?
Dental plans typically break procedures into these four classifications.
What are Type 1 (Preventive), Type 2 (Basic), Type 3 (Major), and Type 4 (Orthodontia)?
Coinsurance for major services is typically this percentage.
What is 50%?
Dental insurance promotes regular visits to the dentist, which can improve this essential aspect of personal and professional life.
What is self-confidence (or your smile/appearance)?
These prosthetics often have both frequency and cost limits.
What are crowns/dentures/bridges?
Most dental plans use this percentage split for preventive, basic, and major services.
What is 100/80/50?
This plan feature limits the amount a person pays before insurance starts paying.
What is a deductible?