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 one of our best indemnity dental plans.

Sample Reimbursements

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 $313 with this plan. The network price might be $550. So, the procedure will end up costing you $237. That is a pretty good price for a root canal. Especially, when some dentists want to charge you $800 for it.

Our indemnity dental plan has a very high payout, a large national network and an excellent vision plan. It is no more expensive than a PPO without all of these extras.

If your dentist will accept assignment, you can have the dentist paid directly and you pay the difference.

Keep in mind that the chart above shows the reimbursement rate for our best indemnity plan. I have others that are less expensive and pay out a little less.

Also, the plan includes an excellent Vision Insurance plan at no extra cost.

Advantages of Our Indemnity Dental Plan:

- Large national network of dentists
- Over 300 covered dental procedures
- Complete vision insurance included

I think that in certain instances, our network-based indemnity plan will provide better coverage than a PPO.

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.

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.

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