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Dental Insurance: Types Of Policies, Including Benefits


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Dental insurance comes in the same varieties as health insurance. Indemnity (fee-for-service) plans, Managed care plans, a PPO type plan. However, the philosophy on which dental insurance was created is somewhat different than health coverage for the rest of your body and so is the coverage.

In general, dental insurance covers four areas. How benefits are accessed differs among the various types of plans. 

Whether treatments need to be pre-authorized, and whether you will have to deal with bills and additional payments, depends on the type of plan.

If you get dental insurance from an employer, a Summary Plan Description will describe the basic features. If you leave work, you have the right to continue dental coverage under COBRA.

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