 Indemnity Dental Plans
Indemnity dental plans allow you to use any dentist you choose. They will pay you or your dentist, scheduled amounts based on what procedure is being performed. When paired with a discount network, they are one of the most cost effective plans you can buy. We call this combination a Hybrid Dental Plan.
Indemnity dental plans are very simple but seem to cause a lot of confusion among consumers. Here is how they work.
Each indemnity plan has its own schedule of payments. These tables show an ADA service code and a dollar amount. For example, here are a few codes and their corresponding payouts from our Homeland AIG Indemnity Plan.
Sample Reimbursements
| ADA Code |
Description |
Reimbursement |
| 0150 |
Comprehensive oral evaluation - new or established patient |
$33.00 |
| 0274 |
X-Ray - bitewings - four films |
$26.00 |
| 1110 |
Routine Prophylaxis - adult (once every six months) |
$38.00 |
| 2331 |
Resin filling - two surfaces, anterior |
$50.00 |
| 2750 |
Crown -porcelain fused to high noble metal* |
$187.00 |
| 3330 |
Root Canal - Molar* |
$196.00 |
| 4341 |
Periodontal scaling and root planning - per quadrant* |
$48.00 |
| 7110 |
Single tooth (extraction) |
$40.00 |
The left hand column shows the ADA Code. The right column shows you how much you or your dentist will be reimbursed for the procedure. A root canal will net you $196 with this plan. If you combine this plan with an inexpensive discount plan, the root canal charge could be around $480. So, the procedure will end up costing you $284. That is a pretty good price for a root canal. Especially, when some dentists want to charge you $800 for it.
If your dentist will accept assignment, you can have the dentist paid directly and you pay the difference.
The way to get the most out of these types of plans is to pair them with a discount plan. So, for another $7 to $10 a month, you can bring the cost of the root canal down from $800 to about $480. Now, the indemnity plan is paying 40% of your bill. On filling and cleanings, it is closer to 80%.
In other words, this combination of the two will mimic a much more expensive PPO dental insurance plan.
Use our dental plan quote page to get a quote on an indemnity plan. We have a few indemnity plans for you to look at.
- The Homeland AIG plan is a pure indemnity plan.
- The Select dental plans give you three different choices and are coupled with a great national PPO discount network. It is the Hybrid plan we spoke about.
If, after reading through the web links, you are confused, by all means give us a call at 954-757-0033 and I would be more than glad to help you. But please read the sites first. There is no point in having me read them to you.
If you cannot find your dentist on any of the plans we offer, it simply means that your dentist does not accept any of the plans we offer. There is nothing we can do except tell you to find a new dentist.
We are here 9 AM to 7 PM EST Mon - Fri.
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